Wade, I think the catalysts are in place for CPSS to have a nice run back up to its old highs in the 10-12 region. Investors and traders will look more at the growth in eps, rather than concerns about what might or might not happen in 2015. They've got some easy comps coming up, and with the unemployment rate dropping, the chances of default go down. They will also get to pay off some of their high interest Levine Lichtmann debt, which will further increase their spreads in 2014 v 2013.
No company or stock is perfect, you have to decide which elements or catalysts are most important to the individual stock's performance and place your bet accordingly.