Consumer Portfolio Services specializes in purchasing and servicing automobile contracts originated by licensed motor vehicle dealers in the sale of new and used automobiles, light trucks, and passenger vans, providing indirect financing to sub-prime customers.
The company has a managed portfolio of $3.85 billion, is NASDAQ listed under the ticker symbol CPSS, and has been in operation since 1991 with 55 consecutive profitable quarters and 105 ABS deals to date.
CPS leads in Machine Learning (ML) and Artificial Intelligence (AI) with a disciplined modeling framework and proprietary scorecards, shaping loan quality through historical performance data and continuous model training.
Company's Specialty
Specializes in sub-prime financing for automobile contracts, providing alternative financing to dealers for customers who may not qualify elsewhere.
Financial Performance
Managed portfolio worth $3.85 billion, listed on NASDAQ under CPSS, with 55 consecutive profitable quarters and 105 ABS deals completed as of June 30, 2025.
Technological Advancements
Leader in Machine Learning (ML) and Artificial Intelligence (AI), using advanced modeling frameworks and continuous model training to enhance credit decisions and loan quality.
- Consumer Portfolio Services' focus on sub-prime financing allows them to cater to a market segment often overlooked by traditional lenders, enabling sales to customers with limited financing options.
- The company's adoption of advanced technologies like Machine Learning and AI enhances risk assessment and decision-making process, contributing to the overall quality of loans and portfolio management.
Consumer Portfolio Services continues to demonstrate resilience and innovation in the sub-prime financing market, leveraging technology and historical data to drive sustainable growth and profitability.