arBtrage CAPITALIZING MARKETS — checking… Sign in Sign up

Consumer Portfolio Services, Inc.

CPSS Finance Finance: Consumer Services
$9.90
▲ +10.4% Today
as of Oct 23, 16:47 ET
Last 30 days +3.66% Sep 14 → Oct 23
$8.90 $9.17 $9.43 $9.70 $9.97 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$9.01
High
$9.33
Low
$9.01
Volume
$19,991
Avg Vol
$22,591
Mkt Cap
$204M
P/E (TTM)
12.89
Beta
—
52w High
$10.49
52w Low
$7.46
Div Yield
—
Shares Out
$22M

Recent Press Releases & News last 60 days · 3 items

CPSS earnings at a glance

The options market is pricing a move of about ±15.4% after the report, a range of roughly $8.38 to $11.42 from today's $9.90. Over its last 2 reports the stock rose the next day 2 times and fell 0, moving ±1.4% on average; after the most recent report on May 5, 2026 it moved +0.1%. That means options currently expect more movement than CPSS has typically delivered. CPSS beat the consensus EPS estimate in 0 of its last 3 reported quarters. Implied volatility is currently 130%. The share price of $9.90 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$7.46
$10
81% of range
Avg surprise (last 3)
-26.6%
Avg reaction (last 2)
+1.4%
100% positive
Latest IV / EM
130%
EM ±15.4% · $10 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.19$0.28$0.37$0.46$0.55 Actual $0.54Actual $0.55Actual $0.41Actual $0.19Actual $0.19Actual $0.20Actual $0.19Est $0.30Actual $0.20Est $0.26Actual $0.20Est $0.25Actual $0.24Actual $0.27 MarJunSepMarJunSepMar/2025Jun/2025Sep/2025Mar/2026Jun
Revenue vs Net Income Revenue Net income
$0$32M$64M$96M$127M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $0.27 — — — — financials
Tue May 5, 2026Mar/2026 $0.24 — — +26.3% +0.1% earnings
Mon Nov 10, 2025Sep/2025 $0.20 $0.25 -20.0% — — earnings
Mon Aug 11, 2025Jun/2025 $0.20 $0.26 -23.1% — — earnings
Mon May 12, 2025Mar/2025 $0.19 $0.30 -36.7% — +2.7% earnings
Mon Sep 30, 2024Sep 2024 $0.20 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.19 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.19 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.41 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.55 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.54 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$121M$112M—$108M$110M$107M—$101M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$6M$6M—$5M$5M$5M—$5M
EPS (diluted)$0.27$0.24—$0.20$0.20$0.19—$0.20

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$8M$7M$6M$9M$16M$30M$12M$8M
Inventory————————
Total current assets————————
Total assets$4.42B$4.05B$3.86B$3.81B$3.76B$3.67B$3.49B$3.46B
Long-term debt————————
Total liabilities$4.10B$3.74B$3.55B$3.50B$3.46B$3.38B$3.20B$3.18B
Total equity$319M$314M$310M$308M$303M$0$0$285M

Implied volatility — last 90 days

69%106%143%180%217% Jul 21 — IV 116% · EM ±26.9%Sep 03 — IV 218% · EM ±35.2%Sep 04 — IV 136% · EM ±21.3%Sep 07 — IV 154% · EM ±21.3%Sep 21 — IV 72% · EM ±15.1%Sep 22 — IV 80% · EM ±16.3%Sep 23 — IV 91% · EM ±18.2%Sep 24 — IV 89% · EM ±17.3%Sep 25 — IV 70% · EM ±13.3%Sep 28 — IV 118% · EM ±20.9%Sep 29 — IV 88% · EM ±15.2%Sep 30 — IV 108% · EM ±18.0%Oct 01 — IV 103% · EM ±16.6%Oct 02 — IV 113% · EM ±17.6%Oct 05 — IV 159% · EM ±22.0%Oct 06 — IV 193% · EM ±25.5%Oct 07 — IV 116% · EM ±14.5%Oct 08 — IV 130% · EM ±15.4%

Sector peers

CPSS earnings FAQ

What is CPSS's expected move for earnings?

Options currently price a move of about ±15.4%, or $1.52 per share either way from $9.90.

How does CPSS stock usually react to earnings?

Across the last 2 reports the average next-day move was ±1.4%, up 2 times and down 0 times.

What is CPSS's implied volatility?

CPSS's at-the-money implied volatility is about 130% based on the latest options snapshot.

🔒 Preview mode. Create a free account to unlock the full earnings calendar, all panels, heatmaps, options flow, and screener.