Consumer Portfolio Services Net Income
| CPSS Stock | USD 8.51 0.27 3.08% |
As of the 11th of February 2026, Consumer Portfolio shows the Risk Adjusted Performance of 0.0263, downside deviation of 2.32, and Mean Deviation of 1.85. Consumer Portfolio technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm Consumer Portfolio coefficient of variation, maximum drawdown, as well as the relationship between the Maximum Drawdown and skewness to decide if Consumer Portfolio is priced correctly, providing market reflects its regular price of 8.51 per share. Given that Consumer Portfolio has jensen alpha of 0.0593, we suggest you to validate Consumer Portfolio Services's prevailing market performance to make sure the company can sustain itself at a future point.
Consumer Portfolio's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Consumer Portfolio's valuation are provided below:Consumer Portfolio Services does not presently have any fundamental signals for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. Is there potential for Consumer Finance market expansion? Will Consumer introduce new products? Factors like these will boost the valuation of Consumer Portfolio. Projected growth potential of Consumer fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Consumer Portfolio listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Investors evaluate Consumer Portfolio using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Consumer Portfolio's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Consumer Portfolio's market price to deviate significantly from intrinsic value.
It's important to distinguish between Consumer Portfolio's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Consumer Portfolio should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Consumer Portfolio's market price signifies the transaction level at which participants voluntarily complete trades.
Consumer Portfolio 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Consumer Portfolio's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Consumer Portfolio.
| 11/13/2025 |
| 02/11/2026 |
If you would invest 0.00 in Consumer Portfolio on November 13, 2025 and sell it all today you would earn a total of 0.00 from holding Consumer Portfolio Services or generate 0.0% return on investment in Consumer Portfolio over 90 days. Consumer Portfolio is related to or competes with CPI Card, Currenc Group, Mainstreet Bank, Ames National, Security National, National Bankshares, and Open Lending. Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States More
Consumer Portfolio Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Consumer Portfolio's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Consumer Portfolio Services upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 2.32 | |||
| Information Ratio | (0.02) | |||
| Maximum Drawdown | 10.75 | |||
| Value At Risk | (3.94) | |||
| Potential Upside | 3.75 |
Consumer Portfolio Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Consumer Portfolio's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Consumer Portfolio's standard deviation. In reality, there are many statistical measures that can use Consumer Portfolio historical prices to predict the future Consumer Portfolio's volatility.| Risk Adjusted Performance | 0.0263 | |||
| Jensen Alpha | 0.0593 | |||
| Total Risk Alpha | (0.23) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | (0.46) |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Consumer Portfolio's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Consumer Portfolio February 11, 2026 Technical Indicators
| Cycle Indicators | ||
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| Math Transform | ||
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| Overlap Studies | ||
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| Price Transform | ||
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| Volume Indicators |
| Risk Adjusted Performance | 0.0263 | |||
| Market Risk Adjusted Performance | (0.45) | |||
| Mean Deviation | 1.85 | |||
| Semi Deviation | 2.23 | |||
| Downside Deviation | 2.32 | |||
| Coefficient Of Variation | 4033.32 | |||
| Standard Deviation | 2.39 | |||
| Variance | 5.73 | |||
| Information Ratio | (0.02) | |||
| Jensen Alpha | 0.0593 | |||
| Total Risk Alpha | (0.23) | |||
| Sortino Ratio | (0.02) | |||
| Treynor Ratio | (0.46) | |||
| Maximum Drawdown | 10.75 | |||
| Value At Risk | (3.94) | |||
| Potential Upside | 3.75 | |||
| Downside Variance | 5.4 | |||
| Semi Variance | 4.99 | |||
| Expected Short fall | (2.01) | |||
| Skewness | 0.2369 | |||
| Kurtosis | 0.2427 |
Consumer Portfolio Backtested Returns
Currently, Consumer Portfolio Services is not too volatile. Consumer Portfolio secures Sharpe Ratio (or Efficiency) of 0.0248, which signifies that the company had a 0.0248 % return per unit of risk over the last 3 months. We have found twenty-eight technical indicators for Consumer Portfolio Services, which you can use to evaluate the volatility of the firm. Please confirm Consumer Portfolio's Downside Deviation of 2.32, risk adjusted performance of 0.0263, and Mean Deviation of 1.85 to double-check if the risk estimate we provide is consistent with the expected return of 0.0593%. Consumer Portfolio has a performance score of 1 on a scale of 0 to 100. The firm shows a Beta (market volatility) of -0.11, which signifies not very significant fluctuations relative to the market. As returns on the market increase, returns on owning Consumer Portfolio are expected to decrease at a much lower rate. During the bear market, Consumer Portfolio is likely to outperform the market. Consumer Portfolio right now shows a risk of 2.39%. Please confirm Consumer Portfolio maximum drawdown, as well as the relationship between the skewness and day typical price , to decide if Consumer Portfolio will be following its price patterns.
Auto-correlation | -0.6 |
Good reverse predictability
Consumer Portfolio Services has good reverse predictability. Overlapping area represents the amount of predictability between Consumer Portfolio time series from 13th of November 2025 to 28th of December 2025 and 28th of December 2025 to 11th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Consumer Portfolio price movement. The serial correlation of -0.6 indicates that roughly 60.0% of current Consumer Portfolio price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.6 | |
| Spearman Rank Test | -0.59 | |
| Residual Average | 0.0 | |
| Price Variance | 0.13 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, Consumer Portfolio Services reported net income of 19.2 M. This is 98.5% lower than that of the Consumer Finance sector and 98.59% lower than that of the Financials industry. The net income for all United States stocks is 96.64% higher than that of the company.
Consumer Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Consumer Portfolio's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Consumer Portfolio could also be used in its relative valuation, which is a method of valuing Consumer Portfolio by comparing valuation metrics of similar companies.Consumer Portfolio is currently under evaluation in net income category among its peers.
Consumer Fundamentals
| Return On Equity | 0.0658 | ||||
| Return On Asset | 0.0054 | ||||
| Profit Margin | 0.1 % | ||||
| Operating Margin | 0.14 % | ||||
| Current Valuation | 3.64 B | ||||
| Shares Outstanding | 22.07 M | ||||
| Shares Owned By Insiders | 33.38 % | ||||
| Shares Owned By Institutions | 47.52 % | ||||
| Number Of Shares Shorted | 293.47 K | ||||
| Price To Earning | 9.22 X | ||||
| Price To Book | 0.64 X | ||||
| Price To Sales | 0.99 X | ||||
| Revenue | 393.51 M | ||||
| Gross Profit | 196.53 M | ||||
| EBITDA | 28.29 M | ||||
| Net Income | 19.2 M | ||||
| Cash And Equivalents | 11.35 M | ||||
| Cash Per Share | 0.54 X | ||||
| Total Debt | 3.16 B | ||||
| Current Ratio | 41.76 X | ||||
| Book Value Per Share | 13.89 X | ||||
| Cash Flow From Operations | 233.75 M | ||||
| Short Ratio | 16.92 X | ||||
| Earnings Per Share | 0.79 X | ||||
| Price To Earnings To Growth | 0.33 X | ||||
| Target Price | 14.0 | ||||
| Number Of Employees | 918 | ||||
| Beta | 1.04 | ||||
| Market Capitalization | 195.13 M | ||||
| Total Asset | 3.5 B | ||||
| Retained Earnings | 267.06 M | ||||
| Working Capital | 2.04 B | ||||
| Current Asset | 2.07 B | ||||
| Current Liabilities | 29.51 M | ||||
| Net Asset | 3.5 B |
About Consumer Portfolio Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Consumer Portfolio Services's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Consumer Portfolio using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Consumer Portfolio Services based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Additional Tools for Consumer Stock Analysis
When running Consumer Portfolio's price analysis, check to measure Consumer Portfolio's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Consumer Portfolio is operating at the current time. Most of Consumer Portfolio's value examination focuses on studying past and present price action to predict the probability of Consumer Portfolio's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Consumer Portfolio's price. Additionally, you may evaluate how the addition of Consumer Portfolio to your portfolios can decrease your overall portfolio volatility.