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Consumer Portfolio Services, Inc. · NASDAQ
Price: $9.86 · Annual div: $2.00/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in CPSS → $1.80M in 10 years · $229.63/month
Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold CPSS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 20.28% | 17.48% | $2,028 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 17.24% | 14.44% | $1,724 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 16.22% | 13.42% | $1,622 / yr |
| 🇬🇧 UK ISA | 0% | 20.28% | 17.48% | $2,028 / yr |
| 🇬🇧 UK Taxable | 8.75% | 18.51% | 15.71% | $1,851 / yr |
| 🇨🇦 TFSA | 0% | 20.28% | 17.48% | $2,028 / yr |
| 🇨🇦 CA Taxable | 25% | 15.21% | 12.41% | $1,521 / yr |
| 🇦🇺 Super (pension) | 15% | 17.24% | 14.44% | $1,724 / yr |
| 🇦🇺 AU Taxable | 30% | 14.20% | 11.40% | $1,420 / yr |
| 🇩🇪 DE Taxable | 26.375% | 14.93% | 12.13% | $1,493 / yr |
| 🇫🇷 FR Taxable | 30% | 14.20% | 11.40% | $1,420 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $2.00/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
CPSS pays quarterly — 4 times per year. Next ex-div: TBD.
How CPSS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for CPSS sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| M-Exempt | 2026-04-27 | 30,000 | $2.47 | $74.1K | ||
| M-Exempt | 2026-04-27 | 30,000 | $2.47 | $74.1K | ||
| G-Gift | 2026-04-09 | 660 | — | — | ||
| M-Exempt | 2026-04-07 | 30,000 | $3.53 | $105.9K | ||
| M-Exempt | 2026-04-07 | 30,000 | $3.53 | $105.9K | ||
| Sale | 2026-03-13 | 20,000 | $7.53 | $150.6K | ||
| G-Gift | 2026-02-12 | 9,000 | — | — | ||
| G-Gift | 2025-07-21 | 660 | — | — | ||
| G-Gift | 2026-01-07 | 660 | — | — | ||
| Sale | 2025-12-04 | 100,000 | $8.69 | $869.0K |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the CPSS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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