Consumer Portfolio Company Insiders

CPSS Stock  USD 8.64  0.16  1.89%   
Consumer Portfolio employs about 890 people. The company is managed by 20 executives with a total tenure of roughly 249 years, averaging almost 12.0 years of service per executive, having 44.5 employees per reported executive. Breaking down Consumer Portfolio's management performance can provide insight into the firm performance.
Charles Bradley  Chairman
Chairman, CEO and Pres
Christopher Terry  President
Senior Vice President- Asset Recovery
  
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Consumer Portfolio Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.

Consumer Portfolio's Workforce Through the Years

Please note that employee historical analysis has become an increasingly important factor for investors assessing the risk associated with Consumer Portfolio's future performance. Based on our forecasts, it is anticipated that Consumer will maintain a workforce of slightly above 890 employees by May 2024.
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid

Consumer Portfolio Management Team Effectiveness

The company has return on total asset (ROA) of 0.016 % which means that it generated a profit of $0.016 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1803 %, meaning that it created $0.1803 on every $100 dollars invested by stockholders. Consumer Portfolio's management efficiency ratios could be used to measure how well Consumer Portfolio manages its routine affairs as well as how well it operates its assets and liabilities. At this time, Consumer Portfolio's Return On Tangible Assets are comparatively stable compared to the past year. Return On Assets is likely to gain to 0.02 in 2024, whereas Return On Capital Employed is likely to drop 0.06 in 2024. At this time, Consumer Portfolio's Other Assets are comparatively stable compared to the past year. Deferred Long Term Asset Charges is likely to gain to about 53 M in 2024, despite the fact that Non Currrent Assets Other are likely to grow to (6.3 M).
Net Income Applicable To Common Shares is likely to gain to about 103.8 M in 2024, whereas Common Stock Shares Outstanding is likely to drop slightly above 23.4 M in 2024.

Consumer Portfolio Workforce Comparison

Consumer Portfolio Services is rated third in number of employees category among related companies. The total workforce of Financials industry is currently estimated at about 61,490. Consumer Portfolio claims roughly 890 in number of employees contributing just under 2% to equities under Financials industry.

Consumer Portfolio Profit Margins

The company has Profit Margin (PM) of 0.21 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.21 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.21.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.780.9975
Significantly Down
Slightly volatile
Operating Profit Margin0.590.5756
Fairly Up
Pretty Stable
Return On Equity0.170.1651
Fairly Up
Slightly volatile

Consumer Portfolio Insider Trading History

Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Consumer Portfolio insiders, such as employees or executives, is commonly permitted as long as it does not rely on Consumer Portfolio's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases, Consumer Portfolio insiders must file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
 
Credit Downgrade
 
Yuan Drop
 
Covid
Buy/Sell Ratio# Purchases Trades# Sales TradesTotal Shares PurchasedTotal Shares Sold
2023-12-01
0.5
1
2
 20,000 
 29,891 
2023-06-01
0.3194
23
72
 1,329,688 
 2,584,043 
2023-03-01
0.8636
19
22
 622,231 
 736,752 
2022-12-01
1.1667
7
6
 126,500 
 165,632 
2022-09-01
1.0
2
2
 21,000 
 9,409 
2022-06-01
0.7429
26
35
 1,530,073 
 1,148,958 
2022-03-01
1.1667
35
30
 1,629,965 
 1,003,494 
2021-12-01
0.8824
15
17
 671,022 
 661,236 
2021-09-01
2.2
33
15
 1,263,600 
 281,800 
2021-06-01
1.4615
19
13
 404,738 
 416,256 
2020-12-01
0.0435
1
23
 200,000 
 354,394 
2020-06-01
2.0
24
12
 1,258,000 
 236,150 
2020-03-01
1.0
1
1
 25,000 
 25,000 
2019-06-01
0.875
7
8
 336,000 
 342,489 
2019-03-01
0.3333
1
3
 30,000 
 60,000 
2018-09-01
0.5
1
2
 2,000,000 
 2,000,005 
2018-03-01
0.8947
17
19
 313,200 
 399,841 
2017-12-01
0.08
2
25
 160,000 
 394,989 
2017-09-01
0.5
7
14
 130,000 
 172,463 
2017-06-01
2.5714
18
7
 1,115,000 
 85,000 
2017-03-01
0.4839
15
31
 317,500 
 372,393 
2016-12-01
1.1
11
10
 380,000 
 303,699 
2016-09-01
1.0
1
1
 40,000 
 40,000 
2016-06-01
0.7273
16
22
 1,170,000 
 293,800 
2016-03-01
0.3333
1
3
 10,000 
 21,000 
2015-12-01
1.7
17
10
 179,000 
 153,370 
2015-09-01
1.0
8
8
 54,700 
 46,345 
2015-06-01
1.3056
47
36
 2,105,955 
 881,136 
2015-03-01
1.25
10
8
 184,402 
 195,800 
2014-12-01
0.1818
6
33
 50,222 
 90,000 
2014-09-01
4.9091
54
11
 1,721,100 
 218,000 
2014-06-01
0.28
7
25
 350,000 
 471,592 
2014-03-01
0.8571
30
35
 665,311 
 680,171 
2013-12-01
0.0851
8
94
 1,958,895 
 2,778,274 
2013-09-01
0.6232
43
69
 945,650 
 1,478,571 
2013-06-01
0.6071
17
28
 1,319,225 
 606,131 
2013-03-01
0.7619
16
21
 1,105,000 
 1,919,256 
2012-12-01
1.6667
5
3
 182,500 
 65,000 
2012-09-01
5.0
25
5
 360,440 
 149,000 
2012-06-01
3.2
16
5
 506,657 
 1,006,250 
2011-06-01
21.0
21
1
 2,595,000 
 1,870 

Consumer Portfolio Notable Stakeholders

A Consumer Portfolio stakeholder refers to an individual interested in an outcome of the business. Different stakeholders have different interests, and companies such as Consumer Portfolio often face trade-offs trying to please all of them. Consumer Portfolio's stakeholders can have a positive or negative influence on the entity's direction, and there are a lot of executives involved in getting Consumer Portfolio's stock to the level that pleases all shareholders. Keeping track of the stakeholders is a great way to stay on top of things affecting its ongoing price.
Charles BradleyChairman, CEO and PresProfile
Christopher TerrySenior Vice President- Asset RecoveryProfile
Teri RobinsonSenior Vice President - OriginationsProfile
Richard HaskellSenior Vice President - Systems and Risk ManagementProfile
Laurie StratenSenior Vice President - ServicingProfile
Jeffrey FritzCFO, Principal Accounting Officer and Executive VPProfile
Michael LavinChief Legal Officer and Executive VPProfile
Mark CreaturaSr. VP, General Counsel and SecretaryProfile
John HartonSr. VP of MarketingProfile
Curtis PowellSr. VP of Special ProjectsProfile
Brian RayhillIndependent DirectorProfile
Chris AdamsIndependent DirectorProfile
Daniel WoodIndependent DirectorProfile
Gregory WasherIndependent DirectorProfile
William RobertsIndependent DirectorProfile
Bryan RayhillSecretary DirectorProfile
Lisette ReynosoSenior CounselProfile
Denesh BharwaniCFO AccountingProfile
Catrina RalstonSenior ResourcesProfile
April CrispSenior AffairsProfile

About Consumer Portfolio Management Performance

The success or failure of an entity such as Consumer Portfolio often depends on how effective the management is. Consumer Portfolio management team is responsible for propelling the future growth in the right direction and administering and controlling the business activities and accounting for the results. Ineffective management usually contributes to failure in the company's future performance for all stakeholders equally, but most importantly, for investors. So it is important to measure the effectiveness of Consumer management before purchasing its stock. In many ways, it's all about finding the answer to one important question - Are they doing the right thing right now? How would we assess whether the Consumer management is utilizing all available resources in the best possible way? Also, how well is the company doing relative to others in its sector and the market as a whole? The answer can be found by analyzing a few important fundamental indicators such as return on assets and return on equity.
Last ReportedProjected for Next Year
Return On Tangible Assets 0.02  0.02 
Return On Capital Employed 0.07  0.06 
Return On Assets 0.02  0.02 
Return On Equity 0.17  0.17 
The data published in Consumer Portfolio's official financial statements usually reflect Consumer Portfolio's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Consumer Portfolio. For example, before you start analyzing numbers published by Consumer accountants, it's critical to develop an understanding of what Consumer Portfolio's liquidity, profitability, and earnings quality are in the context of the Consumer Finance space in which it operates.
Please note, the presentation of Consumer Portfolio's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Consumer Portfolio's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Consumer Portfolio's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Consumer Portfolio Services. Please utilize our Beneish M Score to check the likelihood of Consumer Portfolio's management manipulating its earnings.

Consumer Portfolio Workforce Analysis

Traditionally, organizations such as Consumer Portfolio use manpower efficiency calculations for various incentive schemes, employee appraisal, or as an initiative to improve the processes. However, it can also be used by investors to make long-term investment decisions. The trends in the profit per employee or revenue per employee are measured by net income or revenue divided by the current number of full-time employees over a given time interval. Because workforce needs differ across sectors, these ratios could be used to compare Consumer Portfolio within its industry.

Consumer Portfolio Manpower Efficiency

Return on Consumer Portfolio Manpower

Revenue Per Employee382K
Revenue Per Executive17M
Net Income Per Employee50.9K
Net Income Per Executive2.3M
Working Capital Per Employee2.3M
Working Capital Per Executive101.8M
When determining whether Consumer Portfolio is a strong investment it is important to analyze Consumer Portfolio's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Consumer Portfolio's future performance. For an informed investment choice regarding Consumer Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Consumer Portfolio Services. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in state.
You can also try the Insider Screener module to find insiders across different sectors to evaluate their impact on performance.

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When running Consumer Portfolio's price analysis, check to measure Consumer Portfolio's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Consumer Portfolio is operating at the current time. Most of Consumer Portfolio's value examination focuses on studying past and present price action to predict the probability of Consumer Portfolio's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Consumer Portfolio's price. Additionally, you may evaluate how the addition of Consumer Portfolio to your portfolios can decrease your overall portfolio volatility.
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Is Consumer Portfolio's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Consumer Portfolio. If investors know Consumer will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Consumer Portfolio listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.51)
Earnings Share
1.8
Revenue Per Share
10.27
Quarterly Revenue Growth
(0.20)
Return On Assets
0.016
The market value of Consumer Portfolio is measured differently than its book value, which is the value of Consumer that is recorded on the company's balance sheet. Investors also form their own opinion of Consumer Portfolio's value that differs from its market value or its book value, called intrinsic value, which is Consumer Portfolio's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Consumer Portfolio's market value can be influenced by many factors that don't directly affect Consumer Portfolio's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Consumer Portfolio's value and its price as these two are different measures arrived at by different means. Investors typically determine if Consumer Portfolio is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Consumer Portfolio's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.