Latest revenue
$112.3M
as of 2026-03-31
Latest net income
$5.5M
as of 2026-03-31
Net margin
4.9%
as of 2026-03-31
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $207.7M
- Enterprise value
- $207.7M
- P/E (trailing)
- 10.7×
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $10.49
- 52-wk low
- $6.67
- Beta
- —
- Shares out
- 21.7M
5-year trend
What this company does
Item 1. Business Overview We are a specialty finance company. Our business is to purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit histories or past credit problems, who we refer to as sub-prime customers. We serve as an alternative source of financing for dealers, facilitating sales to customers who otherwise might not be able to obtain financing from traditional…
AI summary unavailable — showing raw filing excerpt
Generated from CPSS's filing dated 2026-03-16
Key risks
Item 1A. RISK FACTORS We are subject to various risks that may materially harm our business, prospects, financial condition and results of operations. An investment in our common stock is speculative and involves risk. In evaluating an investment in shares of our common stock, you should carefully consider the risks described below, together with the other information included in this Annual Report on Form 10-K. The risks described below are not the only risks we face. If any of the events described in the following risk factors actually occurs, or if additional risks and uncertainties later materialize that are not presently known to us or that we currently deem immaterial, then our…
AI summary unavailable — showing raw filing excerpt
Generated from CPSS's filing dated 2026-03-16
Profitability
Net margin
4.4%
8.9%Return on equity
6.2%
4.8%Return on assets
0.5%
8.9%Leverage
Debt / equity
11.46×
4.9%Debt / assets
92.0%
0.4%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q1 2026 2026-03-31 | $112.3M | +5.1% | $5.5M | +18.0% | 4.9% |
Q4 2025 2025-12-31 | $109.4M | +3.9% | $5.0M | -3.2% | 4.6% |
Q3 2025 2025-09-30 | $108.4M | +7.8% | $4.9M | +1.2% | 4.5% |
Q2 2025 2025-06-30 | $109.8M | +14.5% | $4.8M | +2.7% | 4.4% |
Q1 2025 2025-03-31 | $106.9M | +16.5% | $4.7M | +2.3% | 4.4% |
Q4 2024 2024-12-31 | $105.3M | — | $5.1M | — | 4.9% |
Q3 2024 2024-09-30 | $100.6M | +9.2% | $4.8M | -53.8% | 4.8% |
Q2 2024 2024-06-30 | $95.9M | +13.0% | $4.7M | -66.5% | 4.9% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Finance Services · SIC 6199
Your notes
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Insider activity
Insider buying
$0
Insider selling
$1.3M
Net activity
−$1.3M
Distinct insiders
5
Open-market trades over the last 365 days.
Recent transactions
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns CPSS
Institutional value
$23.5M
Total shares held
3.1M
Distinct holders
33
-20 vs prior
As of
2026-03-31
Prior: 2025-12-31
Filers with $100M+ AUM disclose holdings 45 days after quarter end.
Top institutional holders
| # | Manager | Shares | Value | QoQ change | Action |
|---|---|---|---|---|---|
| 1 | DIMENSIONAL FUND ADVISORS LP | 1.6M | $12.1M | -3.0K (-0.2%) | Trimmed |
| 2 | BlackRock, Inc. | 634.6K | $4.9M | -3.1K (-0.5%) | Trimmed |
| 3 | VANGUARD CAPITAL MANAGEMENT LLC | 413.6K | $3.2M | — | New |
| 4 | Allianz Asset Management GmbH | 160.0K | $1.2M | +0 (+0.0%) | No change |
| 5 | Verity & Verity, LLC | 73.0K | $564.4K | -45.5K (-38.4%) | Trimmed |
| 6 | VANGUARD FIDUCIARY TRUST CO | 56.4K | $435.7K | — | New |
| 7 | VANGUARD PORTFOLIO MANAGEMENT LLC | 55.6K | $429.7K | — | New |
| 8 | Bank of New York Mellon Corp | 23.0K | $178.0K | +2.0K (+9.6%) | Added |
| 9 | DEUTSCHE BANK AG\ | 11.5K | $89.2K | — | New |
| 10 | RHUMBLINE ADVISERS | 11.5K | $88.8K | -345 (-2.9%) | Trimmed |
| 11 | Russell Investments Group, Ltd. | 9.9K | $76.2K | -87.9K (-89.9%) | Trimmed |
| 12 | Vanguard Global Advisers, LLC | 4.2K | $32.6K | — | New |
| 13 | JPMORGAN CHASE & CO | 4.1K | $32.2K | -5.6K (-57.5%) | Trimmed |
| 14 | NEW YORK STATE COMMON RETIREMENT FUND | 3.9K | $29.9K | +0 (+0.0%) | No change |
| 15 | WELLS FARGO & COMPANY/MN | 3.6K | $28.0K | -7.1K (-66.3%) | Trimmed |
| 16 | UBS Group AG | 3.2K | $24.8K | +1.9K (+141.9%) | Added |
| 17 | Police & Firemen's Retirement System of New Jersey | 2.9K | $22.5K | +0 (+0.0%) | No change |
| 18 | BNP PARIBAS FINANCIAL MARKETS | 2.1K | $15.9K | -89 (-4.1%) | Trimmed |
| 19 | Ameritas Investment Partners, Inc. | 1.1K | $8.3K | +0 (+0.0%) | No change |
| 20 | Legal & General Group Plc | 810 | $6.3K | +0 (+0.0%) | No change |
Source: SEC Form 13F-HR. Positions aggregated across sub-managers within each firm. Options (puts/calls) excluded — common stock only.
Top questions investors are asking
Coming once CPSS's latest filing finishes processing.