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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	381.61	363.96	329.22	305.24	266.27	294.98
Total Interest Expense	204.21	191.26	146.63	87.52	75.24	101.34
Net Interest Income	177.4	172.71	182.59	217.71	191.03	193.64
Other Revenue	6.73	7.45	9.72	8.45	5.38	4.85
Revenue Before Loan Losses	184.13	180.16	192.31	226.17	196.41	198.49
Provision for Loan Losses	-4.65	-5.31	-22.3	-28.1	-14.59	14.11
Revenue	188.78	185.46	214.61	254.27	211	184.38
Revenue Growth (YoY)	-6.38%	-13.58%	-15.60%	20.51%	14.44%	24.50%
Salaries & Employee Benefits	96.81	96.19	88.15	84.28	80.53	80.2
Cost of Services Provided	83.7	83.07	77.59	68.19	59.21	53.61
Other Operating Expenses	-20.3	-22.09	-13.08	-16.02	3.84	28.67
Total Operating Expenses	161.1	158.03	153.51	138.07	145.25	164.26
Operating Income	27.68	27.43	61.1	116.19	65.75	20.12
Pretax Income	27.68	27.43	61.1	116.19	65.75	20.12
Income Tax Expense	8.37	8.23	15.75	30.21	18.22	-1.56
Net Income	19.31	19.2	45.34	85.98	47.52	21.68
Net Income to Common	19.31	19.2	45.34	85.98	47.52	21.68
Net Income Growth	-46.53%	-57.65%	-47.27%	80.92%	119.24%	300.98%
Shares Outstanding (Basic)	21	21	21	21	23	23
Shares Outstanding (Diluted)	24	24	25	27	26	24
Shares Change (YoY)	-3.06%	-3.54%	-5.16%	3.14%	7.40%	-0.25%
EPS (Basic)	0.90	0.90	2.17	4.10	2.11	0.96
EPS (Diluted)	0.79	0.79	1.80	3.23	1.84	0.90
EPS Growth	-45.62%	-56.11%	-44.27%	75.54%	104.44%	309.09%
Free Cash Flow	254.13	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Per Share	10.48	9.59	9.41	8.04	7.61	9.95
Operating Margin	14.66%	14.79%	28.47%	45.70%	31.16%	10.91%
Profit Margin	10.23%	10.35%	21.13%	33.82%	22.52%	11.76%
Free Cash Flow Margin	134.62%	125.80%	110.63%	84.08%	93.00%	129.49%
Effective Tax Rate	30.24%	30.00%	25.79%	26.00%	27.72%	-
Revenue as Reported	408.64	393.51	352.01	329.71	267.81	271.16

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

SEC Filings: 10-K · 10-Q