OakChart

Consumer Portfolio Service Inc

CPSSFinancial·Credit Services·USA·Micro·NASD·Nov 11 • 9:48 AM ET

9.87-0.16 (-1.60%)
2026-11-11 15:52 CET
Market cap
219.16 USD m
Revenue, TTM
475.04 USD m
Net income, TTM
23.71 USD m
Free cash flow, TTM
358.83 USD m
EPS diluted, TTM
1.01
P/E
9.79
Compare

Price

CPSS against its 20, 50 and 200-day averages
2050200earnings
8.009.0010.0062K125KMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26CPSSclose 9.8720-day 9.6850-day 9.45200-day 9.099.87

5.9% under 10.49 on 7 May 2026. Last 15 sessions, 16.4% high to low

Profile

CPSS
52-week range, 80% of the way up
7.4610.49

Consumer Portfolio Services, Inc. operates as an independent finance company. The firm provides indirect automobile financing to individuals with past credit problems, low incomes, and limited credit histories. It engages in purchase and service of retail automobile contracts originated primarily by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company was founded on March 8, 1991 and is headquartered in Las Vegas, NV.

IndexRUT
Employees913
IPOOct 22, 1992
Beta1.13
ATR, 14d0.39
Rel volume0.04
Short float1.78%
Insider own60.06%
Inst own22.05%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap215.66M
Enterprise Value4.47B
Income23.71M
Sales475.04M
Book/sh14.82
Cash/sh8.24
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees913
IPOOct 22, 1992

Ratios

P/E9.79
Forward P/E-
PEG-
P/S0.45
P/B0.67
P/C1.20
P/FCF0.60
EV/EBITDA15.44
EV/Sales9.41
Quick Ratio2.41
Current Ratio2.41
Debt/Eq13.66
LT Debt/Eq13.66
Option/ShortYes / Yes

Earnings

EPS (ttm)1.01
EPS next Y-
EPS next Q-
EPS this Y-
EPS next Y-
EPS next 5Y-
EPS past 3/5Y-37.16% -2.33%
Sales past 3/5Y10.82% 7.31%
EPS Y/Y TTM21.23%
Sales Y/Y TTM13.41%
EPS Q/Q47.77%
Sales Q/Q21.66%
EarningsOct 22 AMC
EPS/Sales Surpr.- -

Ownership

Insider Own60.06%
Insider Trans-2.56%
Inst Own22.05%
Inst Trans-1.15%
ROA0.55%
ROE7.50%
ROIC0.50%
Gross Margin99.81%
Oper. Margin60.73%
Profit Margin4.99%
SMA202.00%
SMA504.48%
SMA2008.60%
Trades-

Technical

Shs Outstand21.89M
Shs Float8.73M
Short Float1.78%
Short Ratio5.97
Short Interest0.15M
52W High10.49 -5.91%
52W Low7.46 32.31%
Volatility4.93% 3.97%
ATR (14)0.39
RSI (14)52.81
Beta1.13
Rel Volume0.04
Avg Volume25.95K
Volume96

Performance

Perf Week-2.66%
Perf Month7.75%
Perf Quarter2.39%
Perf Half Y1.65%
Perf YTD5.79%
Perf Year24.15%
Perf 3Y0.71%
Perf 5Y24.31%
Perf 10Y104.77%
Recom1.00
Target Price15.00
Prev Close10.03
Price9.87
Change %-1.60%

Analyst ratings

latest 10 of 10
DateActionAnalystRating changeTargetImplied
Apr 27, 2016ReiteratedCCompass PointNeutral$5.50 → $5-49.3%
Mar 16, 2016DowngradeJJMP SecuritiesMkt Outperform → Mkt Perform
Feb 25, 2016DowngradeCCompass PointBuy → Neutral$9 → $5.50-44.3%
Jul 08, 2014InitiatedCCompass PointBuy$10+1.3%
Apr 14, 2008ReiteratedSSalomon Smth Brny (old)Outperform$6 → $4-59.5%
Feb 27, 2008ReiteratedJJMP SecuritiesMkt Outperform$9 → $6-39.2%
Apr 20, 2007ReiteratedRRoth CapitalBuy$9.75 → $9.50-3.7%
Feb 20, 2007ReiteratedRRoth CapitalBuy$9.50 → $9.75-1.2%
Jan 31, 2007InitiatedJJefferies & CoHold$8-18.9%
Jan 23, 2007InitiatedRRoth CapitalBuy$9.50-3.7%

Peers

Mkt cap
TickerCompanyMkt cap
CACCCredit Acceptance Corp5.23B
RMRegional Management Corp308.68M
OMFOneMain Holdings Inc6.32B
ALLYAlly Financial Inc11.33B
MFINMedallion Financial Corp206.14M
OPRTOportun Financial Corp538.67M
WRLDWorld Acceptance Corp614.36M
ENVAEnova International Inc4.11B
PRAAPRA Group Inc476.80M
KMXCarmax Inc7.58B

Insider trading

latest 14 of 26
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
BRADLEY CHARLES E JRCEONov 04 '26Sale10.14200,0002,028,0003,899,545Nov 06 04:45 PM
Jackson NoelSr. Vice PresidentSep 01 '26Option Exercise2.477,50018,5257,500Sep 03 01:00 PM
Jackson NoelSr. Vice PresidentSep 01 '26Sale9.317,50069,8250Sep 03 01:00 PM
BRADLEY CHARLES E JRCEOAug 26 '26Sale9.46125,0001,182,5004,099,545Aug 28 06:57 PM
Ralston Catrina MarieSr. Vice PresidentAug 12 '26Sale9.503,61734,36268,262Aug 14 02:31 PM
Ralston Catrina MarieSr. Vice PresidentAug 10 '26Sale9.509168,70271,879Aug 11 07:10 PM
Ralston Catrina MarieSr. Vice PresidentAug 07 '26Sale9.504674,43672,795Aug 11 07:10 PM
Lavin Michael T.PresidentAug 06 '26Option Exercise3.17135,829430,898135,829Aug 10 06:43 PM
Rayhill BrianDirectorAug 06 '26Option Exercise3.5330,000105,900262,385Aug 10 03:30 PM
BRADLEY CHARLES E JRCEOAug 05 '26Option Exercise3.53300,0001,059,0004,224,545Aug 07 07:21 PM
Bharwani DeneshExec. Vice PresidentAug 05 '26Option Exercise3.5360,000211,800361,881Aug 07 07:20 PM
TERRY CHRISExec. Vice PresidentAug 05 '26Option Exercise3.5360,000211,800296,999Aug 07 12:23 PM
Baumeister Michele LSr. Vice PresidentAug 04 '26Option Exercise3.5330,000105,90093,899Aug 05 07:15 PM
Reynoso LisetteSr. Vice PresidentAug 03 '26Option Exercise3.535,00017,6507,636Aug 05 07:03 PM

Held by

AUM
TickerCompanyAUM
DFSVUS Small Cap Value Portfolio ETF Class Shares-
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
DFACU.S. Core Equity 2 Portfolio-ETF Class Shares-
DFASU.S. Small Cap Portfolio-ETF Class Shares-
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
DCORUS Core Equity 1 Portfolio ETF Class Shares-
DFMCU.S. Micro Cap Portfolio ETF Class Shares-
IWNiShares Russell 2000 Value ETFAUM: 14.10B

News

latest 14 of 204
  • Consumer Portfolio Services: Q3 Earnings Snapshot (Associated Press) +7.03%
  • Consumer Portfolio Services Announces Third Quarter 2026 Results (GlobeNewswire)
  • CPS to Host Conference Call on Third Quarter 2026 Earnings (GlobeNewswire)
  • CPS Announces $767.85 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
  • CPS Announces Upsizing of Existing Credit Facility to Fund Accelerating Loan Origination Volume (GlobeNewswire)
  • Loading…
  • CPS Announces $80.0 Million Securitization of Residual Interests (GlobeNewswire)
  • Consumer Portfolio Services Inc (CPSS) (Q2 2026) Earnings Call Highlights: Record Originations ... (GuruFocus.com)
  • CPS Announces Second Quarter 2026 Earnings (GlobeNewswire)
  • CPS to Host Conference Call on Second Quarter 2026 Earnings (GlobeNewswire)
  • CPS Announces $716.88 Million Senior Subordinate Asset-Backed Securitization (GlobeNewswire)
  • CPS Announces Renewal And Capacity Increase Of Credit Facility (GlobeNewswire)
  • Consumer Portfolio Services: Q1 Earnings Snapshot (Associated Press)
  • CPS Announces First Quarter 2026 Earnings (GlobeNewswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-220.300-0.130131.91--
2026Q22026-08-040.270-0.265121.39--
2026Q12026-05-050.240-0.235112.33--
2025Q42026-03-100.210-0.210109.41--
2025Q32025-11-10--0.202108.4--
2025Q22025-08-110.2000.2600.198109.76109.631
2025Q12025-05-120.1900.3000.193106.87109.991
2024Q42025-02-250.2100.2700.212105.3102.371
2024Q32024-10-310.2000.2100.199100.5898.341
2024Q22024-07-300.190-0.19395.88--
2024Q12024-05-13--0.18791.70--
2023Q42024-03-15--0.28992.00--
2023Q32023-11-13--0.41292.10--
2023Q22023-08-03--0.55084.90--
2023Q12023-04-260.540-0.54483.10--
2022Q42023-03-090.590-0.59383.02--

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2014FY0.9200.9100.920300.26298.29
2015FY1.1001.0801.100363.65354.02
2016FY1.0100.9831.010422.28423.43
2017FY0.6900.6650.140434.38437.31
2018FY0.5060.5100.595389.78392.99
2019FY0.2200.3070.225345.8344.51
2020FY0.5400.6330.903271.16276.44
2021FY1.820-1.843267.81-
2022FY3.230-3.234329.71-
2024FY0.7900.8500.789393.51390.57
2025FY0.800-0.590434.47-
2026FY-2.450--530.65

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026FYS2025-08-20100530.65530.65530.65
2026FYS2025-08-19100530.65530.65530.65
2026FYS2025-08-18100530.65530.65530.65
2026FYS2025-08-17100530.65530.65530.65
2026FYS2025-08-16100530.65530.65530.65
2026FYS2025-08-15100530.65530.65530.65
2026FYS2025-08-14100530.65530.65530.65
2026FYS2025-08-13100530.65530.65530.65
2026FYS2025-08-12100530.65530.65530.65
2026FYS2025-08-11100530.65530.65530.65
2026FYS2025-08-10100530.65530.65530.65
2026FYS2025-08-09100530.65530.65530.65
2026FYS2025-08-08100530.65530.65530.65
2026FYS2025-08-07100530.65530.65530.65

Estimate history

EPS, annual0.140.5950.2250.9031.8433.2341.7980.7890.8031.0086
Period201720182019202020212022202320242025TTM
EPS, quarterly0.1990.2120.1930.1980.2020.210.2350.2650.298
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual434.383389.775345.8300.689272.228314.426340.014372.506427.97475.04
Period201720182019202020212022202320242025TTM
Sales, quarterly95.08100.303103.374106.764108.421109.41112.334121.389131.91
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual21.48922.42222.53122.73721.14420.13121.17521.43321.84221.889
Period201720182019202020212022202320242025MRQ
Shares, quarterly21.40521.43321.50322.22422.14421.84221.69621.59921.889
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue475.04427.97372.51340.01314.43272.23300.69345.80389.77
Total Expenses186.55167.94153.82132.29110.71131.24179.23336.64371.07
Operating Income288.50260.03218.69207.73203.72140.99121.469.1618.70
Unusual Expense0.000.000.000.000.000.000.00--
Net Income Before Taxes34.3628.0027.4361.10116.1965.7520.129.1618.70
Income Taxes10.658.688.2315.7530.2118.22-1.563.763.84
Consolidated Net Income23.7119.3219.2045.3485.9847.5221.685.4114.86
Net Income From Continuing Operations23.7119.3219.2045.3485.9847.5221.685.4114.86
Net Income23.7119.3219.2045.3485.9847.5221.685.4114.86
EPS (Recurring)1.020.800.791.803.231.840.900.220.59
EPS (Basic, Before Extraordinaries)1.090.880.902.174.102.110.960.240.68
EPS (Diluted)1.010.800.791.803.231.840.900.220.59
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense1.932.110.760.942.611.461.411.642.78
Price To Earnings Ratio9.949.9412.534.462.666.504.6915.025.04
Price To Sales Ratio0.450.520.710.690.751.120.340.230.19
Gross Margin99.8199.7999.7799.7599.4999.3899.4199.6999.75
Operating Margin60.7360.7658.7161.0964.7951.7940.392.654.80
Net Margin4.994.525.1613.3427.3517.467.211.563.81
Shares Outstanding21.8921.8421.4321.1720.1321.1422.7422.5322.42
Market Capitalization219.16219.16232.46197.90180.89249.7295.6875.9368.00

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue131.91121.39112.33109.41108.42106.76103.37100.30
Total Expenses51.3148.1044.2442.8942.2941.1141.6540.02
Operating Income80.6073.2968.0966.5266.1365.6661.7260.29
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes10.089.048.037.227.036.956.807.35
Income Taxes3.122.802.492.242.182.152.112.21
Consolidated Net Income6.956.235.544.984.854.804.695.14
Net Income From Continuing Operations6.956.235.544.984.854.804.695.14
Net Income6.956.235.544.984.854.804.695.14
EPS (Recurring)0.300.270.240.210.200.200.190.21
EPS (Basic, Before Extraordinaries)0.320.290.250.230.220.220.220.24
EPS (Diluted)0.300.270.240.210.200.200.190.21
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense0.430.460.400.640.400.510.57-
Price To Earnings Ratio9.9411.359.6311.599.4212.3510.9812.53
Price To Sales Ratio0.450.500.420.520.430.590.540.71
Gross Margin99.8099.7999.8099.8499.8199.7799.7699.79
Operating Margin61.1060.3760.6160.8060.9961.5059.7160.10
Net Margin5.275.144.934.554.484.494.545.13
Shares Outstanding21.8921.6021.7021.8422.1422.2221.5021.43
Market Capitalization219.16208.20168.21205.92167.79211.93185.91232.46

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments172.21137.40125.43162.79176.55144.15140.83130.11124.70
Short Term Receivables3,656.383,318.752,747.352,547.821,927.551,940.092,341.572,307.742,242.55
Investment Securities0.000.000.000.000.000.000.000.000.00
Securities In Custody0.000.000.000.000.000.000.000.000.00
Investments0.000.000.000.000.000.000.000.000.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Net Property, Plant & Equipment17.7120.394.307.449.3211.7718.651.841.75
Deferred Tax Assets6.338.576.1212.9423.4132.3533.2620.5834.92
Other Intangible Assets11.8816.3222.9424.5426.5821.3722.7226.8023.40
Total Assets3,864.503,501.432,906.122,755.532,163.412,149.732,557.032,487.072,427.32
Total Debt3,507.243,157.012,570.632,477.521,954.781,981.522,308.062,256.872,212.19
Long Term Debt3,492.973,143.202,563.432,459.191,912.931,941.792,204.082,248.312,091.38
Provision for Risks Charges0.000.000.000.000.000.000.000.000.00
Deferred Tax Liabilities6.317.572.382.763.833.8417.781.392.48
Other Liabilities41.4144.0958.4546.8634.5931.0228.5531.6928.71
Total Liabilities3,554.973,208.662,631.462,527.141,993.202,016.372,354.392,289.952,243.38
Preferred Stock - Carrying Value0.000.000.000.000.000.000.000.000.00
Common Equity309.54292.77274.67228.39170.21133.36202.64197.12183.94
Total Shareholders Equity309.54292.77274.67228.39170.21133.36202.64197.12183.94
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity309.54292.77274.67228.39170.21133.36202.64197.12183.94
Total Liabilities & Stockholders Equity3,864.503,501.432,906.122,755.532,163.412,149.732,557.032,487.072,427.32
Book Value Per Share14.1713.6612.9711.348.055.878.998.798.56
Tangible Book Value Per Share14.1713.6612.9711.348.055.878.998.798.56
Full-Time Employees9139338907927397871,0101,032999
Price to Book Ratio0.680.820.740.841.470.720.370.340.47
Return on Assets0.520.601.603.502.200.920.210.600.16
Return on Equity6.426.7718.0343.1431.3112.902.707.802.03
Return on Invested Capital0.510.561.603.202.281.040.220.610.17
Quick Ratio3.102.462.293.594.647.927.8360.5615.83
Current Ratio3.102.462.293.604.687.987.8960.7815.90

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations329.23288.23234.32225.03201.40191.75233.54196.35202.98
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital31.030.77-0.5612.9514.546.455.2320.4413.23
Cash from Operating Activities360.26289.00233.75237.98215.93198.19238.77216.78216.21
Capital Expenditures-1.43-0.71-0.43-0.56-2.15-1.98-0.02-0.75-1.08
Net Assets From Acquisitions0.000.000.000.000.000.000.000.00-
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.00-
Purchase or Sale of Investments0.927.4025.0068.17133.73249.10332.30481.29605.35
Purchase of Investments0.000.000.000.000.000.000.000.000.00
Sale Or Maturity of Investments0.927.4025.0068.17133.73249.10332.30481.29605.35
Other Uses-2,431.25-1,639.04-1,653.04-1,251.02-1,673.17-1,107.54-739.73-1,004.19-914.95
Other Sources1,142.831,042.23858.75823.88827.68745.06500.49294.3068.48
Cash from Investing Activities-1,288.93-590.12-769.71-359.53-713.90-115.3693.03-229.35-242.19
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-7.96-3.96-5.92-3.69-30.82-19.63-0.27-1.09-4.82
Repurchase of Common Pref Stock-11.41-8.67-12.83-20.27-46.10-25.68-1.22-1.44-5.31
Sale of Common Pref Stock3.454.716.9116.5815.286.050.950.350.48
Proceedsfrom Stock Options0.000.000.000.000.000.000.000.000.00
Issuance or Reduction of Debt, Net964.85339.89553.8487.89515.03-30.81-342.6424.3836.23
Change in Long Term Debt964.85339.89553.8487.89515.03-30.81-342.6424.3836.23
Issuance of Long Term Debt2,486.981,634.511,679.661,174.391,584.591,139.66701.01997.34914.77
Reduction of Long Term Debt-1,522.13-1,294.62-1,125.82-1,086.51-1,069.56-1,170.47-1,043.64-972.96-878.54
Net Financing Active Other Cash Flow0.000.000.000.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.000.000.000.00
Cash from Financing Activities956.88335.93547.9284.19484.21-50.44-328.4823.2931.40
Net Change in Cash28.2234.8111.97-37.36-13.7632.403.3210.725.41
Free Cash Flow358.83288.29233.32237.42213.78196.22238.74216.03215.13
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow0.600.781.131.001.101.560.430.380.35

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments180.11180.20185.41172.21151.89160.17
Short Term Receivables4,624.594,212.173,835.793,656.383,625.923,560.70
Investments0.000.000.000.000.000.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment14.8615.8717.1117.7117.6019.28
Deferred Tax Assets--0.026.33--
Other Intangible Assets12.4113.9814.4711.8814.3723.64
Total Assets4,831.974,422.224,052.803,864.503,809.783,763.79
Total Debt4,434.134,029.863,691.283,507.243,457.043,416.30
Long Term Debt4,432.614,026.843,686.753,492.973,456.053,413.64
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---6.31--
Other Liabilities73.3573.1147.1741.4145.1744.39
Total Liabilities4,507.484,102.973,738.453,554.973,502.213,460.69
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity324.49319.25314.35309.54307.56303.10
Total Shareholders Equity324.49319.25314.35309.54307.56303.10
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity324.49319.25314.35309.54307.56303.10
Total Liabilities & Stockholders Equity4,831.974,422.224,052.803,864.503,809.783,763.79
Book Value Per Share14.8214.7814.4914.1713.8913.64
Tangible Book Value Per Share14.8214.7814.4914.1713.8913.64
Full-Time Employees1,010994956913918932
Price to Book Ratio0.680.660.550.670.550.71
Return on Assets0.550.530.520.520.540.55
Return on Equity7.506.946.586.426.586.66
Return on Invested Capital0.150.140.140.130.130.13
Quick Ratio2.412.373.593.103.313.44
Current Ratio2.412.373.593.103.313.44

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations93.0479.9879.6676.5575.0167.53
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital1.6026.114.12-0.809.91-13.07
Cash from Operating Activities94.64106.0983.7875.7584.9254.46
Capital Expenditures-0.40-0.17-0.80-0.07-0.05-0.12
Net Assets From Acquisitions0.000.000.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.921.411.97
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.921.411.97
Other Uses-801.27-741.74-524.90-363.34-392.82-433.28
Other Sources307.57295.62275.02264.62260.04264.71
Cash from Investing Activities-494.10-446.29-250.68-97.87-131.42-166.72
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-2.26-1.92-1.24-2.55-0.89-0.77
Repurchase of Common Pref Stock-5.16-2.46-1.24-2.55-0.98-5.14
Sale of Common Pref Stock2.900.540.000.000.094.37
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net401.63336.90181.3444.9839.1289.72
Change in Long Term Debt401.63336.90181.3444.9839.1289.72
Issuance of Long Term Debt848.23724.39534.29380.06355.08439.74
Reduction of Long Term Debt-446.60-387.49-352.96-335.08-315.96-350.03
Net Financing Active Other Cash Flow0.000.000.000.000.000.00
Other Financing Activities Uses0.000.000.000.000.000.00
Cash from Financing Activities399.37334.99180.1042.4338.2388.95
Net Change in Cash-0.09-5.2113.2120.31-8.27-23.31
Free Cash Flow94.24105.9282.9875.6984.8754.34
Price to Free Cash Flow0.600.640.610.770.650.90

Revenue breakdown

Finance Services2024: 393.51M 2025: 434.47M
United States2024: 393.51M 2025: 434.47M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-301.78%0.2M8.7M25.16K
2026-10-151.96%0.2M8.8M23.79K
2026-09-301.83%0.2M8.9M22.78K
2026-09-151.85%0.2M8.7M23.46K
2026-08-311.86%0.2M8.7M20.92K
2026-08-141.72%0.1M8.7M23.05K
2026-07-311.51%0.1M9.1M26.34K
2026-07-151.51%0.1M9.1M27.31K
2026-06-301.42%0.1M9.1M26.39K
2026-06-151.55%0.1M9.1M24.95K
2026-05-291.47%0.1M9.2M25.21K
2026-05-151.69%0.2M9.2M22.97K
2026-04-302.39%0.2M9.2M19.02K
2026-04-152.46%0.2M9.2M17.85K
2026-03-312.58%0.2M9.2M17.53K
2026-03-133.29%0.3M9.2M16.35K
2026-02-273.21%0.3M9.3M17.32K
2026-02-133.28%0.3M9.3M19.53K
2026-01-303.25%0.3M9.3M20.79K
2026-01-153.17%0.3M9.3M21.93K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call5.003.406.600.008.7870.000.000.879-0.1360.003
call7.500.954.100.005.2170.000.000.771-0.1200.005
call10.000.001.850.00-0.000.00---
call12.500.001.450.00-0.000.00---
call15.000.001.450.00-0.000.00---
put5.000.001.450.00-0.000.00---
put7.500.001.450.00-0.000.00---
put10.000.001.850.00-0.000.00---
put12.501.004.100.003.7290.000.00-0.545-0.1240.006
put15.003.506.600.004.5680.000.00-0.590-0.1490.006

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-10424B2SEC
2026-11-10424B2SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-11-028-KCurrent report2026-10-27SEC
2026-10-3010-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-238-KCurrent report2026-10-22SEC
2026-10-218-KCurrent report2026-10-21SEC
2026-10-138-KCurrent report2026-10-09SEC
2026-10-05ABS-15GAsset-Backed Securitizer Report2026-10-05SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-10-01SEC
2026-09-30ARSAnnual report to security holders. 2025-12-31SEC
2026-09-30DEF 14AProxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 19342026-10-27SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-284Statement of changes in beneficial ownership of securities2026-08-26SEC
2026-08-26424B2SEC
2026-08-26424B2SEC
2026-08-258-KCurrent report2026-08-25SEC
2026-08-218-KCurrent report2026-08-18SEC
2026-08-144Statement of changes in beneficial ownership of securities2026-08-12SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-134Statement of changes in beneficial ownership of securities2026-08-11SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-11002.03M1
2026-100000
2026-090069.83K1
2026-08001.23M4
2026-070000
2026-060067.41K1
2026-050000
2026-040000
2026-0300150.60K1
2026-020000
2026-010000
2025-1200869.00K1
2025-110000

Institutional holders

Manager% owned
Black Diamond Capital Management I, LLLP23.63%
DIMENSIONAL FUND ADVISORS LP7.28%
BlackRock, Inc.3.02%
VANGUARD CAPITAL MANAGEMENT LLC1.92%
BRIDGEWAY CAPITAL MANAGEMENT, LLC1.82%
RENAISSANCE TECHNOLOGIES LLC1.57%
GEODE CAPITAL MANAGEMENT, LLC1.06%
STATE STREET CORP0.90%
Empowered Funds, LLC0.70%
Allianz Asset Management GmbH0.42%

Funds

Fund% owned
U.S. SMALL CAP VALUE PORTFOLIO1.62%
VANGUARD TOTAL STOCK MARKET INDEX FUND1.43%
iShares Russell 2000 ETF1.12%
U.S. Targeted Value Portfolio0.98%
U.S. CORE EQUITY 2 PORTFOLIO0.81%
EA Bridgeway Omni Small-Cap Value ETF0.70%
Omni Small-Cap Value Fund0.68%
U.S. SMALL CAP PORTFOLIO0.67%
U.S. CORE EQUITY 1 PORTFOLIO0.64%
Dimensional U.S. Targeted Value ETF0.62%

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