Consumer Portfolio Services, Inc. (CPSS)

CPSS Income Statement

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

Year	2023	2022	2021	2020	2019
Revenue	352.01	329.71	267.81	271.16	345.8
Revenue Growth (YoY)	6.77%	23.11%	-1.24%	-21.58%	-11.28%
Cost of Revenue	88.15	84.28	80.53	80.2	80.88
Gross Profit	263.87	245.43	187.28	190.96	264.92
Selling, General & Admin	77.59	68.19	59.21	53.61	58.38
Other Operating Expenses	-21.45	-26.48	-12.92	15.9	86.85
Operating Expenses	56.14	41.71	46.29	69.51	145.23
Operating Income	207.73	203.72	140.99	121.46	119.69
Interest Expense / Income	146.63	87.52	75.24	101.34	110.53
Pretax Income	61.1	116.19	65.75	20.12	9.16
Income Tax	15.75	30.21	18.22	-1.56	3.76
Net Income	45.34	85.98	47.52	21.68	5.41
Net Income Growth	-47.27%	80.93%	119.24%	300.98%	-63.63%
Shares Outstanding (Basic)	21	21	23	23	22
Shares Outstanding (Diluted)	25	27	26	24	24
Shares Change	-5.16%	3.14%	7.40%	-0.25%	-3.70%
EPS (Basic)	2.17	4.10	2.11	0.96	0.24
EPS (Diluted)	1.80	3.23	1.84	0.90	0.22
EPS Growth	-44.27%	75.54%	104.44%	309.09%	-62.71%
Free Cash Flow	237.42	213.78	196.22	238.74	216.03
Free Cash Flow Per Share	11.36	10.20	8.70	10.56	9.64
Gross Margin	74.96%	74.44%	69.93%	70.42%	76.61%
Operating Margin	59.01%	61.79%	52.64%	44.79%	34.61%
Profit Margin	12.88%	26.08%	17.75%	7.99%	1.56%
Free Cash Flow Margin	67.45%	64.84%	73.27%	88.04%	62.47%
Effective Tax Rate	25.79%	26.00%	27.72%	-7.74%	41.00%
EBITDA	208.58	205.34	142.66	123.24	120.77
EBITDA Margin	59.25%	62.28%	53.27%	45.45%	34.92%
Depreciation & Amortization	0.85	1.62	1.68	1.78	1.08
EBIT	207.73	203.72	140.99	121.46	119.69
EBIT Margin	59.01%	61.79%	52.64%	44.79%	34.61%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).