CPSS (Consumer Portfolio Services) Moat Score: 2/10 (As of Jun. 29, 2026)


CPSS Consumer Portfolio Services Inc CPSS
54 GF Score
Price $9.53
GF Value $9.11
Valuation Fairly Valued
! 9 Warning Signs
View Full Analysis

What is Consumer Portfolio Services Moat Score?

Consumer Portfolio Services CPSS -4.70% 54 Moat Score is 2 as of Jun. 29, 2026. GuruFocus rates CPSS with a GF Score™ of 54/100 and a GF Value™ of $9.11 (Fairly Valued). The stock has 9 warning signs investors should review. Among 566 Credit Services companies, Consumer Portfolio Services ranks better than 89.05% on this metric.

Consumer Portfolio Services has the Moat Score of 2, which implies that the company might have No Moat - Very weak/transient advantages.

Consumer Portfolio Services has No Moat: Consumer Portfolio Services Inc operates in a highly competitive market with low switching costs for customers. The company lacks significant intellectual property, brand strength, or cost advantages. There are no substantial regulatory barriers or exclusive licenses that provide a durable competitive edge.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Consumer Portfolio Services might have No Moat - Very weak/transient advantages.

Consumer Portfolio Services  (NAS:CPSS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Consumer Portfolio Services Moat Score Related Terms

CPSS vs FOA, PMTS, MFIN: Moat Score Comparison

For the Credit Services subindustry, Consumer Portfolio Services's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Consumer Portfolio Services Moat Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Consumer Portfolio Services's Moat Score distribution charts can be found below:

* The bar in red indicates where Consumer Portfolio Services's Moat Score falls into.


CPSS
54GF Score
Consumer Portfolio Services Inc CPSS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 2 mean?
Consumer Portfolio Services (CPSS) has a Moat Score of 2 as of Jun. 29, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Consumer Portfolio Services ranks #62 out of 566 companies in the Credit Services industry, placing it in the top 11%.
Is Consumer Portfolio Services' Moat Score too high?
Consumer Portfolio Services' current Moat Score is 2. Based on the distribution chart, Consumer Portfolio Services ranks #62 out of 566 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Consumer Portfolio Services has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Consumer Portfolio Services' Moat Score compare to FOA and PMTS?
According to the Credit Services industry distribution chart, Consumer Portfolio Services ranks #62 out of 566 companies for Moat Score. This places Consumer Portfolio Services in the top 11% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Credit Services company?
A good Moat Score depends on the Credit Services industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Consumer Portfolio Services's current Moat Score is 2. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Consumer Portfolio Services stock overvalued right now?
Based on GuruFocus' analysis, Consumer Portfolio Services (CPSS) is currently considered Fairly Valued. The stock's GF Value™ is $9.11, compared to a current price of $9.53 — trading 4.6% above its estimated fair value. The current Moat Score is 2. Consumer Portfolio Services' overall GF Score™ is 54/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Consumer Portfolio Services (CPSS), the current Moat Score is 2 as of Jun. 29, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Consumer Portfolio Services (CPSS) Overvalued in 2026?

Based on GuruFocus' analysis, Consumer Portfolio Services stock appears to be overvalued. The current stock price of $9.53 is trading 4.6% above its estimated GF Value™ of $9.11. GuruFocus considers Consumer Portfolio Services to be Fairly Valued.

Key valuation signals for CPSS:

  • Moat Score: 2
  • GF Value™: $9.11 vs. price of $9.53 (4.6% above fair value)
  • GF Score™: 54/100 with 9 warning signs

No single metric tells the full story. See the CPSS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Consumer Portfolio Services Business Description

Address 3800 Howard Hughes Parkway, Las Vegas, NV, USA, 89169
Consumer Portfolio Services Inc is a U.S based company operating in the specialty finance sector. Its business is to purchase and service retail automobile contracts originated 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 its automobile contract purchases, the company provides indirect financing to the customers of dealers having limited credit histories, low incomes, or past credit problems, who it refers to as sub-prime customers. It serves as an alternative source of financing for dealers, facilitating sales to customers.
54GF Score

Get the complete analysis for CPSS

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.53
Price
$9.11
GF Value