Consumer Portfolio Services (CPSS) vs Regional Management (RM)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Consumer Portfolio Services (CPSS) has outperformed Regional Management (RM) over the past year, gaining 20.4% versus a loss of 12.5%. Over five years, CPSS leads with a +48.5% price change compared with -42.6% for RM. Regional Management is the larger company by market cap ($306.3 million vs $207.2 million), about 1.5 times the size.
On valuation, Regional Management trades at a lower forward P/E (5.6x vs 6.5x for Consumer Portfolio Services). Regional Management pays a dividend yielding 3.61%, while Consumer Portfolio Services does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CPSS | RM |
|---|---|---|
| Share price | $9.46 | $33.20 |
| Market cap | $207.22M | $306.30M |
| 1-day change | +4.99% | +1.22% |
| YTD return | +1.39% | -14.32% |
| 1-year return | +20.36% | -12.52% |
| 5-year return | +48.51% | -42.61% |
| P/E ratio (TTM) | 9.85 | 6.99 |
| Forward P/E | 6.52 | 5.64 |
| EPS (TTM) | $0.96 | $4.75 |
| Dividend yield | 0.00% | 3.61% |
| Annual dividend | $0.00 | $1.20 |
| 52-week high | $10.49 | $44.30 |
| 52-week low | $7.39 | $29.89 |
| Distance from 52-week high | -9.82% | -25.06% |
| Analyst consensus | — | none |
| Avg. price target upside | — | +32.02% |
| Average volume | 23.28K | 88.44K |
| Shares outstanding | 21.91M | 9.23M |
| Employees | 994 | 2,112 |
| Sector | Financial Services | Financial Services |
| Industry | Credit Services | Credit Services |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CPSS has outperformed RM by 32.9 percentage points over the past year.
- Consumer Portfolio Services trades at a higher earnings multiple (9.9x vs 7.0x trailing P/E).
- Regional Management offers a meaningfully higher dividend yield (3.61% vs 0.00%).
About Consumer Portfolio Services
CPSS stock →Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States.
Financial Services · Credit Services · 994 employees
About Regional Management
RM stock →Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large loans, and related payment and collateral protection insurance products.
Financial Services · Credit Services · 2,112 employees
CPSS vs RM FAQ
Which is bigger, Consumer Portfolio Services or Regional Management?
Regional Management (RM) is larger, with a market capitalization of $306.30M compared with $207.22M for Consumer Portfolio Services (CPSS).
Which stock has performed better over the past year, CPSS or RM?
CPSS returned +20.36% over the past 12 months, compared with -12.52% for RM (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CPSS or RM?
RM has the lower trailing P/E at 7.0, versus 9.9 for CPSS. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Consumer Portfolio Services or Regional Management?
Regional Management pays a dividend yielding 3.61%, while Consumer Portfolio Services does not currently pay a regular dividend.
Are Consumer Portfolio Services and Regional Management in the same industry?
Yes. Both are classified in the Credit Services industry within the Financial Services sector.