Stock fact sheet · data as of
Consumer Portfolio Services, Inc. (CPSS): fair value, margin of safety and Wheel Score
Ticker symbol CPSS · Financial Services · Financial - Credit Services · United States · Fund / Note
Is CPSS undervalued?
At 10.14 (close of 5 Nov 2026), CPSS trades 86% below the GLS average fair value of 71.08. That average comes from 8 models run on the latest filings, and 6 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns Consumer Portfolio Services, Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between GLS Growth (3.18) and 10 Cap (339.53). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
CPSS looks like a fund, note or preferred share rather than an operating company, so the nightly engine files it under Fund / Note: the valuation models are not built for it, and its Wheel Score is capped at 45.
Nine valuation models for CPSS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 120.96 | +1093% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 19.04 | +88% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 17.51 | +73% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 4.34 | -57% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 3.18 | -69% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 339.53 | +3248% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 52.00 | +413% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 12.06 | +19% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -162.12 | -1699% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Consumer Portfolio Services, Inc. scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. There is no GLS Moat score for CPSS: funds, notes and second share lines get none, and so does a company with fewer than two years of accounts on file. The Moat part of the Wheel Score is zero.
Returns on capital are thin or negative - ROIC 0.5%, ROE 6.2%, ROA 0.5% - with debt at 11.33 times equity and a free-cash-flow yield of 162.6%. Debt of 11.33 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
Consumer Portfolio Services, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 6/10, insider activity 6/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 0.5% |
|---|---|---|---|
| GLS Moat | - / 10 | ROE | 6.2% |
| Debt / equity | 11.33 | ROA | 0.5% |
| Free-cash-flow yield | 162.6% | Payout ratio | 0% |
| Institutions | 6 / 10 | Insiders · Congress | 6 · 5 / 10 |
Wheel Score 39: Weak
With a Wheel Score of 39 Consumer Portfolio Services, Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (242 open interest, 242 a day); and filter 2, a real business, not a gamble - a fund or note, not a company; and filter 7, a premium worth selling - implied volatility 82% (over 80%); and filter 8, big enough - market cap $222M (under $1.0B); Moat (weak) is its weakest part.
Implied volatility is 82%, above the 80% ceiling of the Wheel Trade Filter on premium. The premium looks generous, but moves of that size can blow through any strike. Chain open interest is thin - 242 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 41k shares a day on a market cap of $222M, with a beta of 1.13; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (242 open interest, 242 a day) |
| 2 | A real business, not a gamble | Fails | a fund or note, not a company |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | implied volatility 82% (over 80%) |
| 8 | Big enough | Fails | market cap $222M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 86% below fair value | |
| Premium | Fair | implied volatility 82% | |
| Moat | Weak | no moat score | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Strong | Red Flags score 90/100 | |
| Option trading | Weak | 242 contracts a day, 242 open interest | |
| Stability | Fair | beta 1.13, $222M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Consumer Portfolio Services, Inc. reports earnings on 9 Nov 2026 - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Financial - Credit Services
The 12 companies below are the closest to Consumer Portfolio Services, Inc. by market cap within the Financial - Credit Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| TROO TROOPS, Inc. | 1.81 | - | - | 10Weak | $221M |
| MFIN Medallion Financial Corp. | 10.37 | 56.16 | +82% | 49Weak | $234M |
| RWAYL Runway Growth Finance Corp. - 7 | 25.35 | 26.69 | +5% | 20No options | $275M |
| RWAY Runway Growth Finance Corp. | 6.56 | 19.52 | +66% | 41Weak | $275M |
| HTT High Templar Tech Limited | 1.78 | 18.60 | +90% | 29Weak | $284M |
| PMTS CPI Card Group Inc. | 28.24 | 56.72 | +50% | 32No options | $327M |
| ORBS Eightco Holdings Inc. | 0.7933 | - | - | 11Weak | $333M |
| RM Regional Management Corp. | 39.50 | 220.57 | +82% | 52Fair | $353M |
| LX LexinFintech Holdings Ltd. | 0.6950 | 40.79 | +98% | 34Weak | $115M |
| FOA Finance of America Companies Inc. | 11.99 | 131.17 | +91% | 26Weak | $111M |
| TREE LendingTree, Inc. | 38.35 | 147.03 | +74% | 46Weak | $538M |
| OPFI OppFi Inc. | 6.37 | 53.03 | +88% | 41Weak | $543M |
⚖ Compare CPSS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CPSS
Is CPSS undervalued right now?
By the GLS models, yes: at 10.14 the stock is 86% below the average fair value of 71.08 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of CPSS and what does it mean?
CPSS scores 39 out of 100 (Weak) - it fails Wheel Trade Filters 1, 2, 7, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for CPSS?
71.08 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Consumer Portfolio Services, Inc. report earnings next?
The next earnings report is due on 9 Nov 2026, 4 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does CPSS have listed options, and how liquid are they?
Yes. The nightly snapshot found 18 listed contracts with 242 open interest across all expiries and implied volatility of 82% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.