What if you'd held CPSS?
A $1,000 investment in Consumer Portfolio Services, Inc. (CPSS) at the month-end close of 1992-10 would be worth $3,438 at the close of 2026-08 — +243.8% total return, dividends reinvested. The same $1,000 in the S&P 500 would be worth $18,410.
Your scenario
Result
If you'd bought $1,000 at the start of each year
Value of $1,000 invested on January 1 of each year, held to 2026-08, dividends included.
Every year, $1,000 from 1992
| Year | Value of $1,000 | Year return |
|---|---|---|
| 1992 | $1,000 | — |
| 1993 | $1,358 | +35.8% |
| 1994 | $2,151 | +58.3% |
| 1995 | $2,754 | +28.1% |
| 1996 | $3,396 | +23.3% |
| 1997 | $2,905 | -14.4% |
| 1998 | $1,170 | -59.7% |
| 1999 | $472 | -59.7% |
| 2000 | $434 | -8.0% |
| 2001 | $414 | -4.7% |
| 2002 | $631 | +52.6% |
| 2003 | $1,123 | +78.0% |
| 2004 | $1,470 | +30.9% |
| 2005 | $1,736 | +18.1% |
| 2006 | $1,965 | +13.2% |
| 2007 | $1,011 | -48.5% |
| 2008 | $121 | -88.1% |
| 2009 | $353 | +192.5% |
| 2010 | $359 | +1.7% |
| 2011 | $269 | -25.2% |
| 2012 | $1,618 | +502.2% |
| 2013 | $2,834 | +75.2% |
| 2014 | $2,222 | -21.6% |
| 2015 | $1,567 | -29.5% |
| 2016 | $1,545 | -1.3% |
| 2017 | $1,253 | -18.9% |
| 2018 | $909 | -27.5% |
| 2019 | $1,017 | +12.0% |
| 2020 | $1,280 | +25.8% |
| 2021 | $3,577 | +179.5% |
| 2022 | $2,671 | -25.3% |
| 2023 | $2,828 | +5.9% |
| 2024 | $3,278 | +15.9% |
| 2025 | $2,816 | -14.1% |
| 2026 | $2,789 | -1.0% |
Best and worst month-end to buy
The best single month-end close to have bought CPSS was 2008-12 ($0.40): $1,000 then is $23,100 today. The worst was 1997-08 ($17.63): $1,000 then is $524.
FAQ
What would $1,000 in CPSS be worth today?
A $1,000 investment in Consumer Portfolio Services, Inc. (CPSS) at the start of 1992 would be worth about $3,438 today, a total return of +243.8%. Dividends are reinvested in these figures.
What were the best and worst years for CPSS?
Consumer Portfolio Services, Inc. (CPSS)'s strongest calendar year since 1992 was 2012, a +502.2% return — $1,000 held through that year became about $6,022 by year-end. Its weakest year was 2008, at -88.1%.
Does the calculator include dividends and splits?
Yes where available. Prices are adjusted for both stock splits and reinvested dividends (total return), the same measure brokerages use.
How much would $100 per month in CPSS have grown?
Investing $100 at the end of every month since 1992-10 would have grown to about $127,747 on $40,700 invested.
Did CPSS beat the S&P 500?
Over the same period, $1,000 in the S&P 500 index would be worth $18,410. CPSS trailed the S&P 500 by +81.3% in total return.
Is this investment advice?
No. Wall Street Regrets is an entertainment and education tool. Every number is a historical calculation, not a prediction, and past performance never guarantees future results.
Methodology
Consumer Portfolio Services, Inc. (CPSS) historical total-return data from 1992-10 to 2026-08, reduced to month-end closes for the tables above.
Returns use adjusted close prices from Yahoo Finance historical data — adjusted for stock splits and reinvested dividends — the same convention used by major brokerages. A "year" scenario invests $1,000 at the prior December's month-end close and values it at the latest available month-end close. Non-USD amounts are converted at historical month-end exchange rates (Yahoo Finance): to USD on the buy date and back to your currency at the latest rate, so the return reflects the currency move as well as the asset.
Month-end resolution means intra-month extremes are not captured in tables; the calculator uses exact trading-day closes where daily data is available. Figures ignore taxes, fees, and the currency effects of non-USD listings. History is not a forecast. Wall Street Regrets is entertainment, not investment advice.
What if you'd held…
Data: adjusted close prices via Yahoo Finance. As of 2026-08. Not financial advice.