Consumer Portfolio Services, Inc. (CPSS)

CPSS Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	363.96	329.22	305.24	266.27	294.98
Total Interest Expense	191.26	146.63	87.52	75.24	101.34
Net Interest Income	172.71	182.59	217.71	191.03	193.64
Other Revenue	7.45	9.72	8.45	5.38	4.85
Revenue Before Loan Losses	180.16	192.31	226.17	196.41	198.49
Provision for Loan Losses	-5.31	-22.3	-28.1	-14.59	14.11
Revenue	185.46	214.61	254.27	211	184.38
Revenue Growth (YoY)	-13.58%	-15.60%	20.51%	14.44%	24.50%
Salaries & Employee Benefits	96.19	88.15	84.28	80.53	80.2
Cost of Services Provided	83.07	77.59	68.19	59.21	53.61
Other Operating Expenses	-22.09	-13.08	-16.02	3.84	28.67
Total Operating Expenses	158.03	153.51	138.07	145.25	164.26
Operating Income	27.43	61.1	116.19	65.75	20.12
Pretax Income	27.43	61.1	116.19	65.75	20.12
Income Tax Expense	8.23	15.75	30.21	18.22	-1.56
Net Income	19.2	45.34	85.98	47.52	21.68
Net Income to Common	19.2	45.34	85.98	47.52	21.68
Net Income Growth	-57.65%	-47.27%	80.92%	119.24%	300.98%
Shares Outstanding (Basic)	21	21	21	23	23
Shares Outstanding (Diluted)	24	25	27	26	24
Shares Change (YoY)	-3.54%	-5.16%	3.14%	7.40%	-0.25%
EPS (Basic)	0.90	2.17	4.10	2.11	0.96
EPS (Diluted)	0.79	1.80	3.23	1.84	0.90
EPS Growth	-56.11%	-44.27%	75.54%	104.44%	309.09%
Free Cash Flow	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Per Share	9.59	9.41	8.04	7.61	9.95
Operating Margin	14.79%	28.47%	45.70%	31.16%	10.91%
Profit Margin	10.35%	21.13%	33.82%	22.52%	11.76%
Free Cash Flow Margin	125.80%	110.63%	84.08%	93.00%	129.49%
Effective Tax Rate	30.00%	25.79%	26.00%	27.72%	-
Revenue as Reported	393.51	352.01	329.71	267.81	271.16

Updated Mar 12, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q