Consumer Portfolio Services, Inc. (CPSS) Fair Value 2026

CPSS · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.5 /10

32 fundamental signals · 5 models active

Value Trap Risk

LOW (27/100)

Quick Summary — As of 2026-08-28, Consumer Portfolio Services, Inc. (CPSS) trades at $9.42, versus a $14.52 median fair value across its 5 active models — 54.2% above the current price. QOC: 7.5/10. Value Trap Risk: 27/100 (LOW). 5/13 models active.

Key Facts

Ticker
CPSS
Price
$9.42
Quality Score
7.5/10
Value Trap Risk
27/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +58.3% upside with 18% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Consumer Portfolio Services, Inc. (CPSS) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Consumer Portfolio Services, Inc. (CPSS) appears undervalued as of : the median of 5 independent fair value estimates is $14.52, 54.2% above the current price of $9.42. Estimates range from $9.32 to $27.88. CPSS scores 7.5/10 on fundamental quality and 27/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. CPSS’s +54.2% gap is wider than that market norm, and the Credit Services sector median is +15.7%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Consumer Portfolio Services, Inc. Stock in 2026? →

What Fair Value Does Each Model Give CPSS?

5 Intrinsic Value Models vs. Current Price ($9.42)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $14.52 +54.2%
Ensemble · Low Conviction
 $14.91 +58.3%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is CPSS's Fair Value Range?

Spread across 5 independent models · $9.32 to $27.88

CirclFi's 5 active models place Consumer Portfolio Services, Inc. (CPSS) between $9.32 and $27.88 per share, a spread of 128% of the median. The median of that range — $14.52 — is the fair value CirclFi publishes for CPSS, against a current price of $9.42.

Low · Regime CrossHigh · FTNN
$9.32median $14.52$27.88
Where the range comes from
Most bearish modelRegime Cross-Sectional$9.32
Most bullish modelFTNN Topology$27.88
Model agreement4 bullish · 0 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for CPSS. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on CPSS, not a CirclFi price target. How each model works →

What Is Consumer Portfolio Services, Inc. (CPSS) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Consumer Portfolio Services, Inc.'s intrinsic value is estimated at a median fair value of $14.52. At a current market price of $9.42, 4 of 5 active valuation models identify upside potential, projecting a median implied return of +54.2%. Notably, FTNN sees the most upside at +196.0% (fair value: $27.88), while Regime Cross is the most conservative at -1.1% ($9.32). The spread between these extremes — +197.0% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About CPSS?

5 of 13 models are currently active for CPSS. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for CPSS is $14.52 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CPSS Rank in Credit Services?

Among 54 Credit Services stocks, CPSS ranks #28 by Quality of Company score. CirclFi's QOC score of 7.5/10 evaluates 32 fundamental signals. A score of 7.5 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

Within the Credit Services space, Consumer Portfolio Services, Inc. competes in an environment where non-performing loan ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.

Is CPSS a Value Trap?

CirclFi's Value Trap algorithm assigns CPSS a score of 27/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Consumer Portfolio Services, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Consumer Portfolio Services, Inc. is rated at 7.5/10. This solid-tier score maintains reasonable quality metrics with some areas for improvement.

The gap between the most bullish and bearish model spans +197.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CPSS valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CPSS's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Consumer Portfolio Services, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

10 related Credit Services stocks with 13-model coverage

COFCapital One Financial CorporationQOC 7.5WUThe Western Union CompanyQOC 7.4OMFOneMain Holdings, Inc.QOC 7.5NNINelnet, Inc.QOC 7.4ATLCAtlanticus Holdings CorporationQOC 7.6AFRMAffirm Holdings, Inc.QOC 7.4NAVINavient CorporationQOC 6.5JFINJiayin Group Inc.QOC 9.4XYFX FinancialQOC 8.2MAMastercard IncorporatedQOC 9.1

Read investment analysis: COF · WU · OMF · NNI · ATLC · AFRM · NAVI · JFIN · XYF · MA

Which Other Stocks Have a Similar Quality Score to CPSS?

7 companies across all industries closest to CPSS’s Quality of Company score of 7.5/10.

FNLCThe First Bancorp, Inc.QOC 7.5STAGSTAG Industrial, Inc.QOC 7.5AOMRAngel Oak Mortgage REIT, Inc.QOC 7.5LPXLouisiana-Pacific CorporationQOC 7.5IHSIHS Holding LimitedQOC 7.5ANNAAleAnna, Inc.QOC 7.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FNLC · STAG · AOMR · LPX · IHS · ANNA · NVDA

Where Does CPSS Sit in CirclFi's Credit Services Rankings?

CPSS is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Consumer Portfolio Services, Inc.’s Valuation?

What is Consumer Portfolio Services, Inc.'s intrinsic value in 2026?

CirclFi puts Consumer Portfolio Services, Inc. (CPSS)'s intrinsic value at $14.52 — the median of 5 independent model estimates as of 2026-08-28, ranging from $9.32 to $27.88. The Quality of Company score is 7.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CPSS overvalued or undervalued right now?

At $9.42, 4 of 5 active models suggest CPSS may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $14.52, 54.2% above the current price of $9.42 — a consensus view that CPSS is undervalued. The assessment depends on which methodology best fits Consumer Portfolio Services, Inc.'s business model in Credit Services.

What does a Quality of Company score of 7.5 mean for CPSS?

Consumer Portfolio Services, Inc.'s QOC of 7.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CPSS?

CirclFi analyzes CPSS with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CPSS?

Of the 5 models currently active on CPSS, FTNN Topology is the most bullish at $27.88 per share, and Regime Cross-Sectional is the most bearish at $9.32. CirclFi's published fair value for CPSS is the median of that range, $14.52, not either extreme. The gap between the two ends equals 128% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is CPSS a value trap in 2026?

Consumer Portfolio Services, Inc.'s Value Trap score is 27/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Consumer Portfolio Services, Inc. (CPSS) has a median fair value of $14.52 — 54.2% above the current price of $9.42 — as of 2026-08-28.” Source: circlfi.com/stock/CPSS/ · Methodology
Primary sources for this CPSS valuation
  • Financial statements: Consumer Portfolio Services, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0000889609) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CPSS as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on CPSS.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for CPSS Unlock All 5 — $39/mo