Consumer Portfolio Services, Inc. (CPSS)

CPSS Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Interest Income	182.4	172.71	182.59	217.71	191.03	193.64
Net Interest Income Growth	5.85%	-5.41%	-16.13%	13.97%	-1.35%	-14.53%
Non-Interest Income	23.92	29.54	22.8	24.47	1.55	-23.82
Non-Interest Income Growth	-26.42%	29.61%	-6.85%	1483.95%	-	-
Revenues Before Loan Losses	206.32	202.25	205.38	242.19	192.57	169.82
Provision for Credit Losses	-3.48	-5.31	-22.3	-28.1	-14.59	14.11
Revenue	209.8	207.56	227.68	270.29	207.16	155.71
Revenue Growth (YoY)	-1.05%	-8.84%	-15.76%	30.47%	33.04%	4.15%
Compensation Expenses	97.45	96.19	88.15	84.28	80.53	80.2
Selling, General & Admin	78.05	77.46	71.22	60.66	51.49	46.19
Other Non-Interest Expenses	6.35	6.47	7.22	9.15	9.39	9.21
Total Non-Interest Expense	181.85	180.13	166.59	154.09	141.42	135.59
Pretax Income	27.96	27.43	61.1	116.19	65.75	20.12
Provision for Income Taxes	8.52	8.23	15.75	30.21	18.22	-1.56
Net Income	19.43	19.2	45.34	85.98	47.52	21.68
Net Income to Common	19.43	19.2	45.34	85.98	47.52	21.68
Net Income Growth	-27.57%	-57.65%	-47.27%	80.92%	119.24%	300.98%
Shares Outstanding (Basic)	22	21	21	21	23	23
Shares Outstanding (Diluted)	24	24	25	27	26	24
Shares Change (YoY)	-2.04%	-3.54%	-5.16%	3.14%	7.40%	-0.25%
EPS (Basic)	0.85	0.90	2.17	4.10	2.11	0.90
EPS (Diluted)	0.80	0.79	1.80	3.23	1.84	0.90
EPS Growth	-26.61%	-56.11%	-44.27%	75.54%	104.44%	309.09%
Free Cash Flow	265.32	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Growth	13.71%	-1.73%	11.06%	8.95%	-17.81%	10.51%
Free Cash Flow Per Share	10.95	9.59	9.41	8.04	7.61	9.95
Profit Margin	9.26%	9.25%	19.91%	31.81%	22.94%	13.92%
FCF Margin	126.46%	112.41%	104.28%	79.10%	94.72%	153.33%
EBITDA	0.92	0.86	0.85	1.62	1.68	1.78
EBITDA Margin	0.44%	0.42%	0.37%	0.60%	0.81%	1.15%
Effective Tax Rate	30.49%	30.00%	25.79%	26.00%	27.72%	-7.74%

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q