CPSS NASDAQ Week ended 24 Jul 2026

Weekly Investor Report

Consumer Portfolio Services Inc · Financial Services · Credit Services

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Latest close 9.45 USD
4.0% latest week
Weekly setup

Mixed setup

The weekly trend is active. Price is 6.1% above the Trend Line and sits at 72.8% of its 52-week range. The latest completed week returned 4.0%, after a -5.5% four-week move. The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive. Options positioning is mixed with 39/100 conviction, while the latest news-sentiment score is 55/100. Near-term considerations: volume confirmation is below normal; earnings are due in 11d.

Setup score 44 out of 100
Latest Close 9.45 USD 24 Jul 2026
1W Return 4.0% latest completed week
4W Return -5.5% short-term follow-through
12W Return -0.4% quarterly tape
Trend Breadth 30.8% 16 of 52 weeks active
Volume Ratio 0.7x vs 13-week average
What is working
  • The trend backdrop is active with a 11-week active streak.
  • Price is above the Trend Line, keeping the weekly tape constructive.
  • Price is above Fair Value, showing premium demand versus the model.
  • Activity pressure is positive on the latest completed week.
What could go wrong
  • Next-week expectancy is negative at 38.82% based on similar historical setup states.
What to watch next
  • Trend Line remains the key weekly regime level.
  • Activity pressure is the gauge to monitor for confirmation or fade.
  • A volume ratio above 1.5x would show stronger participation in the next move.
Price follow-through 4.0% Latest completed week; four-week move -5.5%. Indicator stack 55/43 Trend and activity pressure are weighted against the latest 12-week confirmation window. Trend backdrop Active The trend backdrop defines the current weekly regime. Patient Capital Quiet Activity-pressure buy-signal status for institutional accumulation timing. Next-Week Expectancy Negative 38.82% Historical one-week expectancy contributes to the evidence score when direction is confirmed. Options pressure Mixed 39/100 conviction; expected move 21.3%. News sentiment 55/100 49 relevant articles in the latest sentiment read. Event risk 11d Next report is scheduled for 10 Aug 2026; event risk rises as the date approaches.
01 · Price action

Where price is—and whether the trend supports it

The weekly trend is active. Price is 6.1% above the Trend Line and sits at 72.8% of its 52-week range. The latest completed week returned 4.0%, after a -5.5% four-week move.

Study the full chart

52-week price path

Price vs Trend Line and Fair Value
Price Trend Line Fair Value
02 · Volume and demand

Is real participation confirming the move?

Latest weekly volume is 0.7x the 13-week average. Participation is below its recent norm, so price strength is not receiving full volume confirmation.

26-week volume confirmation

Bar height shows volume; colour shows the weekly price direction
30 Jan 6 Feb 13 Feb 20 Feb 27 Feb 6 Mar 13 Mar 20 Mar 27 Mar 3 Apr 10 Apr 17 Apr 24 Apr 1 May 8 May 15 May 22 May 29 May 5 Jun 12 Jun 19 Jun 26 Jun 3 Jul 10 Jul 17 Jul 24 Jul
Up week Down week
Demand beneath price

Activity pressure and institutional-style signals

These indicators assess whether participation is improving beneath the headline price move. They are supporting evidence, not proof of institutional buying.

Activity pressure path

Latest 0.7612-week average 0.52

12-week confirmation

Trend active11/12Active trend-backdrop weeks in the latest 12-week window.
Positive pressure12/12Weeks with constructive activity pressure in the latest 12-week window.
Positive leadership2/12Weeks with positive relative leadership in the latest 12-week window.
Activity pressure0.76Current proprietary activity-pressure read.
Buy signals0Accumulation signal count in the latest 12 weeks.
Reversal markers0No reversal markers

No recent accumulation markers. No reversal markers.

03 · Momentum and leadership

Is performance persistent—and is the stock leading?

Performance is -5.5% over four weeks, -0.4% over 12 weeks, and 3.8% over one year. The current trend has remained active for 11 consecutive weeks.

Performance by holding period

1W4.0%
4W-5.5%
12W-0.4%
26W12.9%
52W3.8%
Active trend streak11 weeks
Active weeks in one year16
Trend breadth30.8%

Activity pressure vs relative leadership

Activity pressureRelative leadership
Pressure0.04Latest activity-pressure read.
Pressure change-94.5%Four-week change in activity pressure.
Leadership0.36Latest relative-leadership reading.
RS change-52.5%Four-week change in relative leadership.
04 · Fundamentals and valuation

What investors are paying for—and the quality behind it

The latest factor snapshot indicates quality ranks strongly versus its universe; growth ranks weakly; valuation is neither clearly cheap nor expensive.

Open full factor analysis
Factor week 26 Jul 2026 Financial statements through 31 Dec 2025 Field coverage 97% Model confidence 93%

Relative factor standing

Higher display scores are better. Each score is converted from the underlying universe rank, where rank 1 is best.

Overall factor strength85/100Blend of value, momentum, and quality. Underlying universe rank 16; rank 1 is best.
Value78/100Relative valuation strength. Underlying universe rank 23; rank 1 is best.
Quality90/100Profitability and accounting quality. Underlying universe rank 11; rank 1 is best.
Momentum31/100Medium-term price momentum. Underlying universe rank 70; rank 1 is best.
Growth17/100Revenue and earnings growth. Underlying universe rank 84; rank 1 is best.
How to read this

Quality and valuation are separate questions

A strong company can still carry a demanding valuation. This report shows profitability, growth, balance-sheet strength, and the price paid for those characteristics separately.

Valuation

How much investors are paying for earnings, sales, and cash flow.

P/E
10.2x
Price divided by trailing earnings.
Price / sales
0.5x
Market value relative to trailing revenue.
EV / EBITDA
43.1x
Enterprise value relative to operating cash earnings.
Free-cash-flow yield
7.7%
Free cash flow as a share of enterprise value.

Business quality

Margins and the return generated on invested capital.

Gross margin
60.1%
Gross profit retained from each unit of revenue.
Operating margin
20.3%
Operating profit retained from revenue.
Free-cash-flow margin
68.2%
Free cash flow generated from revenue.
Return on invested capital
1.5%
Operating return generated on invested capital.

Growth and financial strength

Recent business growth and accounting strength.

Revenue growth
7.7%
Latest one-year revenue growth.
EPS growth
4.5%
Latest one-year earnings-per-share growth.
Free-cash-flow growth
17.3%
Latest one-year free-cash-flow growth.
Piotroski F-score
6/9
Nine-point accounting-strength checklist.

Shareholder return and balance sheet

Cash returned to owners and financial leverage.

Dividend yield
-
Cash dividends relative to market value.
Buyback yield
2.7%
Net share repurchases relative to market value.
Shareholder yield
2.7%
Dividend yield plus net buyback yield.
Net debt / EBITDA
40.9x
Balance-sheet debt relative to operating cash earnings.
05 · Ownership, options, and sentiment

What other market participants are doing

Options, insider transactions, market sentiment, and activity-pressure signals can confirm or challenge the price story. None should be used alone.

Options positioningMixed

CPSS shows mixed options pressure with a 39/100 conviction score, put-call volume ratio of n/a, expected move of 21.3%, and Sharemaestro trend signal active.

Conviction39/100
Expected move21.3%
Put/call volume
Pressure-12
Speculation0
Volatility96
Trend agreement93
Open options detail
Insider activity4 / 8

4 acquisitions and 8 disposals in the latest 180-day insider tape.

Acquisitions / disposals over the latest 180 days. Insider activity is context, not a stand-alone signal.
News sentiment55/100

Weighted news tone is neutral across 49 relevant articles.

16 positive · 27 neutral · 6 negative
Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal
06 · Catalysts and risk

What can move the shares—and how volatile the path has been

Event timing, options-implied movement, drawdown, and weekly return distribution frame the risk around the current setup.

Next earnings11dNext report is scheduled for 10 Aug 2026; event risk rises as the date approaches.
Options expected move21.3%Nearest-chain priced movement where available.
52-week drawdown-9.9%Distance below the 52-week high.
13-week volatility4.7%Standard deviation of weekly returns.

Weekly gains and losses

Latest 26 completed weeks

Each bar is one week. Gains rise above the zero line; losses fall below it. Taller bars mean a larger weekly move.

Weeks higher13 of 2613 weeks finished lower.
Best week+12.0%Week of 1 May.
Worst week-5.9%Week of 13 Mar.
Latest week+4.0%Week of 24 Jul.

Shape of recent returns

Strong gains5
Modest gains8
Flat weeks0
Modest losses10
Sharp losses3
Recent vol4.7%13-week weekly-return volatility.
Base vol4.5%52-week weekly-return volatility.
Up/down split23/28Count of positive and negative weeks in the 52-week window.
Average skew4.4% / -3.3%Average positive week versus average negative week.
07 · Sector and peer context

Is this stock leading—or simply moving with its group?

Sector and industry breadth distinguish company-specific strength from a broad group move.

08 · Evidence and weekly data

The underlying research record

Every top-level statement above should be traceable to a stored market, fundamental, event, or positioning observation.

Weekly tape46/100

Trend, activity pressure, participation, and risk combine to a 46/100 tape read.

 Indicator analysis69/100

Latest 12-week confirmation: trend 11/12, activity pressure 12/12, relative leadership 2/12.

Activity pressure 0.76; No reversal markers Next-Week ExpectancyNegative 38.82%

Next-week expectancy is negative with a 38.82% historical one-week setup read.

Adds short-term historical context without overriding trend, activity, or relative leadership. Factors72/100

O'Shaughnessy factor stack blends value, quality, momentum, and confidence.

Tiny Titans rank 25; Buyback Yield rank 20; Small Cap Core rank 14 Patient CapitalQuiet

Activity-pressure buy-signal evidence highlights potential institutional accumulation windows.

No recent buy signal Options59/100

CPSS shows mixed options pressure with a 39/100 conviction score, put-call volume ratio of n/a, expected move of 21.3%, and Sharemaestro trend signal active.

Mixed · Options-market disagreement · Expected move 21.3% Sentiment55/100

Weighted news tone is neutral across 49 relevant articles.

CPS Announces $716.88 Million Senior Subordinate Asset-Backed Securitization Insiders4 / 8

4 acquisitions and 8 disposals in the latest 180-day insider tape.

 Earnings11d

Next report is scheduled for 10 Aug 2026; event risk rises as the date approaches.
WeekCloseReturnTrend LineFair ValuePressureLeadershipVolumeTrend
24 Jul 20269.45 USD4.0%8.91 USD9.15 USD0.040.3687.7KOn
17 Jul 20269.09 USD-1.8%8.89 USD9.17 USD0.40-5.31128.0KOn
10 Jul 20269.26 USD-3.7%8.91 USD9.19 USD0.67-7.9684.3KOn
3 Jul 20269.62 USD-3.8%8.91 USD9.21 USD0.80-3.30106.7KOn
26 Jun 202610.00 USD2.7%8.88 USD9.22 USD0.790.75173.6KOn
19 Jun 20269.74 USD2.2%8.82 USD9.23 USD0.71-6.83139.6KOn
12 Jun 20269.53 USD1.1%8.77 USD9.25 USD0.76-7.0695.2KOn
5 Jun 20269.43 USD-4.4%8.73 USD9.26 USD0.95-6.6466.5KOn
29 May 20269.86 USD3.0%8.71 USD9.28 USD1.22-7.3774.3KOn
22 May 20269.57 USD-3.2%8.66 USD9.29 USD1.36-8.00153.3KOn
15 May 20269.89 USD-2.8%8.61 USD9.31 USD1.11-4.27193.7KOn
8 May 202610.17 USD7.2%8.55 USD9.31 USD0.81-2.27196.9KOff
1 May 20269.49 USD12.0%8.46 USD9.31 USD0.32-4.41214.0KOff
24 Apr 20268.47 USD-2.1%8.40 USD9.31 USD-0.29-13.8878.7KOff
How to use this report

This is a completed-week research summary. It explains the available evidence and its conflicts; it does not predict a guaranteed outcome or replace your own risk assessment. Fundamental figures may refer to an earlier financial reporting period, which is shown above.