Event-Driven Stocks

CONSUMER PORTFOLIO SERVICES, INC.

CPSSNasdaq

Financials · Finance Services · CA · SEC filings ↗ · Compare ⊕

View price & chart on Yahoo Finance ↗
Signs● 3 good● 1 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$434.5M$393.5M$352.0M$329.7M$267.8M$271.2M
Operating income——————
Net income$19.3M$19.2M$45.3M$86.0M$47.5M$21.7M
Total assets$3.86B$3.49B$2.90B$2.75B$2.16B$2.15B
Total liabilities$3.55B$3.20B$2.63B$2.52B$1.99B$2.01B
Equity$309.5M$292.8M$274.7M$228.4M$170.2M$133.4M
EPS (diluted)$0.80$0.79$1.80$3.23$1.84$0.90
Shares out.21.4M21.1M20.5M21.3M22.8M22.6M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
4.4%
Return on equity
6.2%
Return on assets
0.5%
Return on capital (ROCE)
—
Liabilities / assets
92.0%
Debt / equity
11.46×
Book value / share
$14.44
Revenue growth (YoY)
10.4%
Net income growth (YoY)
0.6%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−7.0%clean
Piotroski F-Score
3/7weak

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
77
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 100Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →

Signs

● 1 severe● 1 warning● 3 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 2026155,2734.1-29.5%
Apr 30, 2026220,1798.7-3.1%
Apr 15, 2026227,17813.0-4.2%
Mar 31, 2026237,1179.4-21.8%
Mar 13, 2026303,09018.9+1.3%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)

Spot an error in this record? Report it. Every correction is verified against the source filing before we change anything.