Overview
Consumer Portfolio Services (CPS) buys, sells, and services auto loans made to consumers who probably don't have portfolios. The company finances vehicles for subprime borrowers who can't get traditional financing due to poor or limited credit; these loans typically carry a higher interest rate than prime loans. CPS purchases contracts from both new car and independent used car dealers in more than 45 states; the company then securitizes (bundles
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Read More and sells) them on the secondary market. Its total managed portfolio comprises some $900 million in contracts. The bulk of the contracts CPS acquires finance used vehicles. The company has servicing operations in California, Florida, Illinois, and Virginia.
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Read More and sells) them on the secondary market. Its total managed portfolio comprises some $900 million in contracts. The bulk of the contracts CPS acquires finance used vehicles. The company has servicing operations in California, Florida, Illinois, and Virginia.
Read Less
Charles E Bradley Junior
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Nondepository Credit Intermediation
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Credit Intermediation and Related Activities
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Finance and Insurance
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Financing: automobiles, furniture, etc., not a deposit bank
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Installment sales finance, other than banks
Activities Related to Credit Intermediation
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Agencies, Brokerages, and Other Insurance Related Activities
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Depository Credit Intermediation
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Insurance Carriers
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Insurance and Employee Benefit Funds
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Monetary Authorities-Central Bank
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Other Financial Investment Activities
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Other Investment Pools and Funds
View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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View more , Securities and Commodity Contracts Intermediation and Brokerage Securities and Commodity Exchanges
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Modelled
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Actual
$393.51 million
Actual
-1.53%
-57.65%
$3,493
DEC
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NASDAQ:CPSS
Contacts
Get in Touch with 5 Principals* and 71 Contacts
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Charles E Bradley JuniorChairman of the Board and Chief Executive Officer
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Contact 2?
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Contact 3?
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Contact 4?
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Financial Statements
Dun & Bradstreet collects private company financials for more than 23 million companies worldwide. Find out more.
Financial data as of December 31, 2024 (12 month period) in USD
Annual Revenue 2024
$393.51 million
USD
Actual
All financial statement data is in millions except per share data | Source: Morningstar
| Cash Flow (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Net Operating Cash | $234 | $238 | $216 |
| Net Investing Cash | -$770 | -$360 | -$714 |
| Net Financing Cash | $548 | $84 | $484 |
| Net Change in Cash | $12 | -$37 | -$14 |
| Cash at Beginning of Period | $125 | $163 | $177 |
| Cash at End of Period | $137 | $125 | $163 |
| Capital Expenditure | -$0 | -$1 | -$2 |
| Assets (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Assets | |||
| Cash and Cash Equivalents | $12 | $6 | $13 |
| Accounts Receivable | $ | $ | $ |
| Inventories | $ | $ | $ |
| Other Current Assets | $ | $ | $ |
| Asset Summary | |||
| Total Current Assets | $ | $ | $ |
| Tangible Fixed Assets | $1 | $1 | $2 |
| Intangible Assets | $ | $ | $ |
| Total Assets | $3,494 | $2,904 | $2,753 |
| Liabilities (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Current Liabilities | |||
| Accounts Payable | $ | $ | $ |
| Short-Term Debt | $411 | $234 | $285 |
| Other Current Liabilities | $ | $ | $ |
| Liability Summary | |||
| Total Current Liabilities | $ | $ | $ |
| Long-Term Debt | $2,720 | $2,333 | $2,184 |
| Other Long-Term Liabilities | $ | $ | $ |
| Total Liabilities | $3,201 | $2,629 | $2,524 |
| Stakeholder's Equity (mil) | 2024 | 2023 | 2022 |
|---|---|---|---|
| Equity | |||
| Common Stock | $26 | $29 | $29 |
| Retained Earnings | $267 | $248 | $203 |
| Equity Summary | |||
| Total Equity | $293 | $275 | $228 |
| Shares Outstanding | 21,432,698 | 21,174,856 | 20,131,323 |