CPSS Consumer Portfolio Services (CPSS) Insider Trading, Ownership & Congress Trades
Financial Services · Finance services · CIK 0000889609
SEC filings
Insider buyers, 180 days
0
House members buying, 1 year
0
STOCK Act, US House only, disclosed up to 45 days after the trade
Funds added, last quarter
29
13F, latest reported quarter
Conversions, 180 days
17
Codes C/M, not in net · $2.8M priced
What the filings say about CPSS
Insiders, 180 days
-$1.4M net sold
3 sellers · 0% of sales under a 10b5-1 plan
Consumer Portfolio Services insider trades (Form 4)
Form 4 buys and sells (codes P and S). Grants, option exercises
and conversions excluded.
Over the last 180 days, CONSUMER PORTFOLIO SERVICES, INC. insiders sold a net $1.4M of stock across 163 Form 4 purchases and sales, with no insider buying. Source: SEC Form 4 filings, as of 2026-10-28.
Insider
Filed
Shares
Value
Since filing
Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Jun 16, 2026.
- 2 other insiders sold within 30 days.
- 29 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Sr. Vice President Jackson Noel sold about $69.8K of CPSS on Sep 1, 2026; 2 other insiders sold within 30 days and 29 funds added in the latest 13F quarter.Context
- 8 earlier Form 4 trades (code P or S) here by this insider (8 sales), the last on Sep 10, 2024.
- The trade is 3.0% of the 4,099,545 shares held after it.
- 2 other insiders sold within 30 days.
- 29 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: CEO BRADLEY CHARLES E JR sold about $1.2M of CPSS on Aug 26, 2026, the largest insider sale at the company on our record; 2 other insiders sold within 30 days and 29 funds added in the latest 13F quarter.Context
- 2 earlier Form 4 trades (code P or S) here by this insider (2 sales), the last on Aug 10, 2026.
- The trade is 5.3% of the 68,262 shares held after it.
- 2 other insiders sold within 30 days.
- 29 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Sr. Vice President Ralston Catrina Marie sold about $34.4K of CPSS on Aug 12, 2026; 2 other insiders sold within 30 days and 29 funds added in the latest 13F quarter.Context
- 1 earlier Form 4 trade (code P or S) here by this insider (1 sale), the last on Aug 7, 2026.
- The trade is 1.3% of the 71,879 shares held after it.
- 2 other insiders sold within 30 days.
- 29 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Sr. Vice President Ralston Catrina Marie sold about $8.7K of CPSS on Aug 10, 2026; 2 other insiders sold within 30 days and 29 funds added in the latest 13F quarter.Context
- First Form 4 purchase or sale (code P or S) here by this insider on our record.
- The trade is 0.6% of the 72,795 shares held after it.
- 2 other insiders sold within 30 days.
- 29 funds added in the 13F quarter to Jun 30, 2026.
Insider activity: Sr. Vice President Ralston Catrina Marie sold about $4.4K of CPSS on Aug 7, 2026; 2 other insiders sold within 30 days and 29 funds added in the latest 13F quarter.163 transactions on record
Since filing: total return from the first close after the filing to the latest close, dividend-adjusted. Not a forecast.
Context lines are counts over the filings above and returns from our own price history, never a price level. Not investment advice.
Seven facts, ranked against the sector ·
Rank is not a forecast
Insiders
net -$1.4M over 180 days
-$1.3M over 90 days · -$1.2M of it by a 10%+ holder
below 53% of Financial Services
Congress
no House purchase disclosed in the last 12 months
Funds
29 funds bought in last quarter
below 65% of Financial Services
Revenue
+10.4% year over year
more than 51% of Financial Services
Margin
4.4% net margin
below 53% of Financial Services
Buybacks
$3.7M repurchased, FY to 2026-06-30
below 82% of Financial Services
Short interest
1.9% of the float short (float per yahoo 2026-10-26) · 5.4 days to cover · settled 2026-09-30
below 68% of Financial Services
What changed in the last 30 days
Nothing new filed in the last 30 days
Watch CPSS
A free account keeps a watchlist and can send one email a day when insiders, funds or Congress file on the names in it. No password and no card.
The year, with the filings on it
Total return over 12 months. Each marker is a filing; hover or tap one for the detail.
+15.0%12M
Insider sell
Indexed to 100, dividend-adjusted, not a price chart.
When a name files heavily, the largest trades are drawn first.
Who owns CPSS: institutional holders (13F)
13F holdings, latest reported quarter
5,127,165 sh
$49.2M
1,570,303 sh
$15.1M
656,330 sh
$6.3M
415,823 sh
$4.0M
395,611 sh
$3.8M
Congress trades in CPSS
No Congress trades reported
No House member has disclosed a trade in this stock. See what Congress is buying.
Activist and 5% holders (13D/13G)
No 5%+ ownership filings
Nobody has filed for crossing 5%. That is a fact, not missing data.
CPSS planned insider sales (Form 144)
No planned-sale notices
No insider has filed to sell. Watch this after a run-up.
CPSS mutual fund holders (N-PORT)
Funds ranked by the share of their own portfolio in this stock (N-PORT).
Ultra-Small Company Fund
$372.9K position · as of 2026-06-30
0.4%
Ultra-Small Company Market Fund
$532.5K position · as of 2026-06-30
0.4%
Omni Small-Cap Value Fund
$1.4M position · as of 2026-06-30
0.1%
Harbor AlphaEdge Small Cap Earners ETF
$12.4K position · as of 2026-07-31
0.1%
EA Bridgeway Omni Small-Cap Value ETF
$1.5M position · as of 2026-06-30
0.1%
U.S. Small Cap Equity Fund
$209.3K position · as of 2026-07-31
0.0%
SEC N-PORT, monthly, about 60 days late · funds ≥ $10M ·
% is the share of the fund's own portfolio
Executive pay vs shareholder return · Mr. Bradley
CEO pay, headline and as actually paid, against the company's
return and its chosen peers' (DEF 14A).
FY
CEO total
Actually paid
Other execs, avg
TSR
Peer TSR
2025
$5.4M
$3.9M
$1.3M
+5%
n/a
2024
$4.2M
$3.3M
$839.2K
+23%
n/a
2023
$4.0M
$4.6M
$836.2K
+6%
n/a
2022
$10.9M
$4.4M
$979.3K
+163%
+18%
2021
$4.7M
$10.3M
$1.0M
+252%
+44%
Tagged by the company under SEC Item 402(v). Returns are
cumulative from the start of the disclosure period. Green where the company beat its own peer group.
Live price
Daily candles from TradingView, under their licence. No filings marked.
Why this name is on the desk
The complete filing record, in one place.
The record shows a net $1.4M sold by insiders over 180 days, 29 funds added last quarter. Each figure is a federal filing, dated the day it went public.
CPSS financials
Revenue growth
+10.4%
XBRL, annual
Net margin
4.4%
Complaints, 90 days
233
-2.1% YoY · CFPB
Ratios from the company's XBRL filings, latest filings
Revenue, TTM
$451.6M
four quarters, 2025-07-01 to 2026-06-30
Revenue, TTM CPSS
| FY Dec 2025 | $434.5M |
| FY Dec 2024 | $393.5M |
| FY Dec 2023 | $352.0M |
| FY Dec 2022 | $329.7M |
| FY Dec 2021 | $267.8M |
| Jun 2026 | $121.4M |
| Mar 2026 | $112.3M |
| Dec 2025 | $109.4M |
| Sep 2025 | $108.4M |
| Jun 2025 | $109.8M |
| Mar 2025 | $106.9M |
| Dec 2024 | $105.3M |
| Sep 2024 | $100.6M |
At each fiscal year end
Single quarter
Net margin, TTM
+4.8%
net income over revenue, 2025-07-01 to 2026-06-30
Net margin, TTM CPSS
| FY Dec 2025 | +4.4% |
| FY Dec 2024 | +4.9% |
| FY Dec 2023 | +12.9% |
| FY Dec 2022 | +26.1% |
| FY Dec 2021 | +17.7% |
| Jun 2026 | +5.1% |
| Mar 2026 | +4.9% |
| Dec 2025 | +4.6% |
| Sep 2025 | +4.5% |
| Jun 2025 | +4.4% |
| Mar 2025 | +4.4% |
| Dec 2024 | +4.9% |
| Sep 2024 | +4.8% |
At each fiscal year end
Single quarter
Free cash flow, TTM
$349.5M
operating cash flow minus capex, 2025-07-01 to 2026-06-30
Free cash flow, TTM CPSS
| FY Dec 2025 | $288.3M |
| FY Dec 2024 | $233.3M |
| FY Dec 2023 | $237.4M |
| FY Dec 2022 | $213.8M |
| FY Dec 2021 | $196.2M |
| Jun 2026 | $105.9M |
| Mar 2026 | $83.0M |
| Dec 2025 | $75.7M |
| Sep 2025 | $84.9M |
| Jun 2025 | $54.3M |
| Mar 2025 | $73.4M |
| Dec 2024 | $67.9M |
| Sep 2024 | $69.7M |
At each fiscal year end
Single quarter
Debt to equity
0.63x
current debt only, 2021-09-30 (57 months older than the period end); equity 2026-06-30
Debt to equity CPSS
| FY Dec 2025 | 0.65x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | 0.73x |
| FY Dec 2022 | 0.88x |
| FY Dec 2021 | 1.18x |
| Jun 2026 | 0.63x |
| Mar 2026 | 0.64x |
| Dec 2025 | 0.65x |
| Sep 2025 | 0.65x |
| Jun 2025 | 0.66x |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | 0.70x |
At each fiscal year end
Trailing four quarters at each quarter end
Cash flow to debt
1.75x
TTM operating cash flow over current debt only, 2021-09-30 (57 months older than the period end)
Cash flow to debt CPSS
| FY Dec 2025 | 1.45x |
| FY Dec 2024 | 1.17x |
| FY Dec 2023 | 1.19x |
| FY Dec 2022 | 1.08x |
| FY Dec 2021 | 0.99x |
| Jun 2026 | 1.75x |
| Mar 2026 | 1.49x |
| Dec 2025 | 1.45x |
| Sep 2025 | 1.41x |
| Jun 2025 | 1.33x |
| Mar 2025 | 1.27x |
| Dec 2024 | 1.17x |
| Sep 2024 | 1.11x |
At each fiscal year end
Trailing four quarters at each quarter end
Return on equity
+6.9%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on equity CPSS
| FY Dec 2025 | +12.5% |
| FY Dec 2024 | +14.0% |
| FY Dec 2023 | +18.0% |
| FY Dec 2022 | +43.1% |
| FY Dec 2021 | +31.3% |
| Jun 2026 | +6.9% |
| Mar 2026 | +12.8% |
| Dec 2025 | +12.5% |
| Sep 2025 | +6.6% |
| Jun 2025 | +6.7% |
| Mar 2025 | +13.8% |
| Dec 2024 | +14.0% |
| Sep 2024 | +7.7% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on assets
+0.5%
TTM net income over average of 2025-06-30 and 2026-06-30
Return on assets CPSS
| FY Dec 2025 | +0.5% |
| FY Dec 2024 | +0.6% |
| FY Dec 2023 | +1.6% |
| FY Dec 2022 | +3.5% |
| FY Dec 2021 | +2.2% |
| Jun 2026 | +0.5% |
| Mar 2026 | +0.5% |
| Dec 2025 | +0.5% |
| Sep 2025 | +0.5% |
| Jun 2025 | +0.6% |
| Mar 2025 | +0.6% |
| Dec 2024 | +0.6% |
| Sep 2024 | +0.7% |
At each fiscal year end
Trailing four quarters at each quarter end
Return on invested capital
n/a
fewer than four consecutive quarters of operating income
Return on invested capital CPSS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Return on capital employed
n/a
fewer than four consecutive quarters of operating income
Return on capital employed CPSS
| FY Dec 2025 | n/a |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | n/a |
| FY Dec 2021 | n/a |
| Jun 2026 | n/a |
| Mar 2026 | n/a |
| Dec 2025 | n/a |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
P/E, trailing
10.11x
close 2026-10-26 over four quarters of diluted EPS, 2025-07-01 to 2026-06-30
P/E, trailing CPSS
| FY Dec 2025 | 11.66x |
| FY Dec 2024 | 13.75x |
| FY Dec 2023 | 5.23x |
| FY Dec 2022 | 2.74x |
| FY Dec 2021 | 6.44x |
| Jun 2026 | 10.43x |
| Mar 2026 | 9.09x |
| Dec 2025 | 11.66x |
| Sep 2025 | 9.44x |
| Jun 2025 | 12.29x |
| Mar 2025 | 10.97x |
| Dec 2024 | 13.75x |
| Sep 2024 | 10.78x |
At each fiscal year end
Trailing four quarters at each quarter end
Enterprise value
$393.0M
market value at close 2026-10-26 on 2026-07-24 shares, plus current debt only, 2021-09-30 (57 months older than the period end), minus cash 2026-06-30
Enterprise value CPSS
| FY Dec 2025 | $399.6M |
| FY Dec 2024 | $420.7M |
| FY Dec 2023 | $391.7M |
| FY Dec 2022 | $367.4M |
| FY Dec 2021 | $419.8M |
| Jun 2026 | $400.8M |
| Mar 2026 | $361.3M |
| Dec 2025 | $399.6M |
| Sep 2025 | $358.4M |
| Jun 2025 | $396.2M |
| Mar 2025 | $356.1M |
| Dec 2024 | $420.7M |
| Sep 2024 | $392.0M |
At each fiscal year end
Trailing four quarters at each quarter end
FCF yield
+174.3%
TTM free cash flow over market value at close 2026-10-26
FCF yield CPSS
| FY Dec 2025 | +140.0% |
| FY Dec 2024 | +100.4% |
| FY Dec 2023 | +120.0% |
| FY Dec 2022 | +118.2% |
| FY Dec 2021 | +78.6% |
| Jun 2026 | +167.8% |
| Mar 2026 | +177.1% |
| Dec 2025 | +140.0% |
| Sep 2025 | +167.2% |
| Jun 2025 | +125.2% |
| Mar 2025 | +136.7% |
| Dec 2024 | +100.4% |
| Sep 2024 | +110.6% |
At each fiscal year end
Trailing four quarters at each quarter end
PEG, trailing
0.67x
P/E over trailing EPS growth of 15%: four quarters to 2026-06-30 against the four to 2025-06-30
PEG, trailing CPSS
| FY Dec 2025 | 9.21x |
| FY Dec 2024 | n/a |
| FY Dec 2023 | n/a |
| FY Dec 2022 | 0.04x |
| FY Dec 2021 | 0.06x |
| Jun 2026 | 0.70x |
| Mar 2026 | 1.20x |
| Dec 2025 | 9.21x |
| Sep 2025 | n/a |
| Jun 2025 | n/a |
| Mar 2025 | n/a |
| Dec 2024 | n/a |
| Sep 2024 | n/a |
At each fiscal year end
Trailing four quarters at each quarter end
Price as of 2026-10-26. Hover or tap a tile for its yearly and quarterly history.
Method
TTM is four consecutive fiscal quarters; Q4 is the year minus nine months when not filed. Returns use the average of opening and closing balances. EBIT is approximated by operating income. PEG uses trailing EPS growth.
Fundamentals
Annual figures from XBRL filings. Pick a past date to see them as known then.
| 2025-12 | 2024-12 | 2023-12 | 2022-12 | |
|---|---|---|---|---|
| Revenue | $434.5M | $393.5M | $352.0M | $329.7M |
| Net income | $19.3M | $19.2M | $45.3M | $86.0M |
| EPS (diluted) | 0.80 | 0.79 | 1.80 | 3.23 |
| Operating cash flow | $289.0M | $233.8M | $238.0M | $215.9M |
| Cash | $6.3M | $11.7M | $6.2M | $13.5M |
| Buybacks | $8.7M | $12.8M | $20.3M | $46.1M |
SEC XBRL, fiscal years, as known on 2026-10-28
CPSS Stock Sonar score 6/7 axes
Find similar shapesCompareCPSS ranks highest on risk and compliance (73rd percentile) and financial health (65th), and lowest on insider conviction (22nd), among Financial Services peers.
6 of 7 axes scored. Each is a percentile against sector peers (all companies when the sector is thin); higher is better. An unscored axis is unmeasured, not low. How it is scored
CPSS filings, in plain words
Are Consumer Portfolio Services insiders buying or selling CPSS?
In the 180 days to 2026-10-28, Consumer Portfolio Services insiders were net sellers, a net $1.4M across purchases and sales reported on Form 4, by 3 sellers.
Read the full summary
In the 180 days to 2026-10-28, Consumer Portfolio Services insiders were net sellers of CPSS, a net $1.4M across purchases and sales reported on Form 4 by 3 sellers. Most of that figure, $1.2M, came from a holder of 10% or more rather than an officer or director. None of the 6 insider sales was flagged as made under a Rule 10b5-1 plan. Each figure is counted from SEC and House filings as of 2026-10-28, dated the day the filing was made public.
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