Margin trendWarning
영업이익률 악화 (14.4% → 1.7%, -12.7%p). 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Consumer Portfolio Services
CPSS · Nasdaq$9.40+6.70%
2026-09-04 closeConsumer Portfolio Services last closed at $9.40 (+6.70%) on 2026-09-04. Listed on Nasdaq; price, financials and dividends update daily after market close.
Loading chart…
Close
No active signal.
New high + volume — the real recordrecord · not a prediction
Last 30 sessions
277 picks
Next-day win rate
44.2%
Avg next-day
-0.28%
vs market
-0.51%p
Every new-high-plus-volume pick we actually published (US market) — not this stock alone.
Signal history
| Date | Signal | +20 trading days |
|---|---|---|
A record, not a prediction.
How this is calculated
"·" means fewer than 20 trading days have passed since the event. Cup-and-handle entries are days our board actually showed the badge (archive grows daily since 2026-05-12); others are recomputed from price data.
Trade plan
Fill entry, stop, account size and risk percent to get a share count. The stop must sit below the entry.
A calculator · not advice or a guarantee
Financials & valuation at a glance
A
Overall: 은행 90/526 · top 17%
Factor composite · relative position in sector
PER 10.8 · PBR 0.71 — own-history percentile 48/100 · 52/100
Open self-history band
PER48/100
PBR52/100
Factual information · not investment advice
Past reported results · not investment advice
More — deeper indicators
Financial safety
Reference indicatorAs of 2024Distress zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 0.36
Distress
Grey
Safe
- Altman Z''
- 0.36
- Beneish M-Score
- -3.32
- Sloan accrual
- -6.14%
No statistical flag
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
3/9Weak
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score3/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROANot passed
- Accruals (OCF > net income)Pass
Leverage & liquidity
- Lower debtNot passed
- Higher current ratioNot passed
- No new sharesNot passed
Efficiency
- Higher gross marginNot passed
- Higher asset turnoverNot passed
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Forensic signals
Anomaly and structural signals observed in the financial statements.
Margin trendWarning
영업외손익 급변 (영업이익 대비 257% 규모 변동) — 일회성 손익 주의. 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Factual information, not investment advice.
Industry structure
USAs of 2026-09-05은행
This stock is in 은행: revenue rank 155 of 241, share 0.1%.
155 / 2410.1%revenue share
Who dominates this industry?
- 1American Express15.8%
- 2CBRE Group Class A7.9%
- 3Jones Lang LaSalle5.2%
- 4Nu Holdings Class A2.5%
- 5American Tower REIT2.2%
- 6Consumer Portfolio Services0.1%
Concentration
DistributedCR3 28.9%HHI and CR3 are separate industrial-organization facts; they are not the polarization verdict.
Polarization
Winner-take-all deepeningConsistentPolarization measures industry gaps and structure, not valuation, forecast, or investment advice.
Margin lens
- IQR%p
- 23.64
- Direction
- 확대
- Level
- 넓음
- Years
- 8
Value lens
- P90/P10
- 11.9
- Median P/B
- 1.31
- Level
- 넓음
- n
- 221
Survivorship note: 현재 산업 멤버십을 과거 연도에 소급 적용 — 과거 진입·퇴출 기업 미반영(복원 불가)
Factual information, not investment advice.
Risk sensitivity — adverse assumptions
Metric changes under stated assumptions; not a forecast or investment advice.
Base metrics
- Operating margin
- 1.7%
- Interest coverage
- 0.5x
- Return on equity (ROE)
- 6.6%
Operating margin −5pp
Operating lossInterest coverageBase 0.5x adverse case -1x
Return on equity (ROE)Base 6.6% adverse case -8.5%
Revenue −15%
Interest coverage riskInterest coverageBase 0.5x adverse case 0.4x
Return on equity (ROE)Base 6.6% adverse case -2.5%
Interest rate +2pp
Interest coverage riskInterest coverageBase 0.5x adverse case 0.1x
Return on equity (ROE)Base 6.6% adverse case -24%
Interest coverage limit
Already below the limit by 1.7ppInterest coverage limit at an operating margin of 3.4%
Interest expense coverage threshold
Connections
AI-extracted related companies · for reference
Competitors
CarMaxPrice comovement r=0.23 (1 year)Santander Consumer USAAlly FinancialPrice comovement r=0.28 (1 year)Capital OnePrice comovement r=0.26 (1 year)Westlake Financial ServicesCredit AcceptancePrice comovement r=0.22 (1 year)
Same theme
ManheimAuto lendingSubprime consumer creditUsed car marketSecuritization market
Recent filings
Filings for overseas stocks are on the way. For now we cover Korean stocks only.
About Consumer Portfolio Services
- What technical signals does Consumer Portfolio Services (CPSS) have?
- Consumer Portfolio Services current technical signals: no active technical signal.
- Is Consumer Portfolio Services a cup-and-handle pattern?
- No. Consumer Portfolio Services has no valid cup-and-handle signal right now.
- What are Consumer Portfolio Services's financials and valuation?
- Consumer Portfolio Services's income statement, balance sheet and cash flow are free for the most recent 8 years; the full history is on Pro. PER/PBR, dividend yield and sector valuation bands are free.
Like these rules? Backtest them.
Run this signal on this ticker in the free backtest builder — same window, no install.
Backtest this rule ↗Quantus Signal · live data · not investment advice · Privacy Policy