Consumer Portfolio Services, Inc. (CPSS)

NASDAQ: CPSS · Real-Time Price · USD

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8.09

+0.08 (1.00%)

At close: Oct 23, 2025, 4:00 PM EDT

8.22

+0.13 (1.61%)

After-hours: Oct 23, 2025, 4:06 PM EDT

CPSS Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2015 - 2019
Interest and Dividend Income	398.6	363.96	329.22	305.24	266.27	294.98	Upgrade
Total Interest Expense	216.2	191.26	146.63	87.52	75.24	101.34	Upgrade
Net Interest Income	182.4	172.71	182.59	217.71	191.03	193.64	Upgrade
Other Revenue	6.37	7.45	9.72	8.45	5.38	4.85	Upgrade
Revenue Before Loan Losses	188.78	180.16	192.31	226.17	196.41	198.49	Upgrade
Provision for Loan Losses	-3.48	-5.31	-22.3	-28.1	-14.59	14.11	Upgrade
Revenue	192.26	185.46	214.61	254.27	211	184.38	Upgrade
Revenue Growth (YoY)	2.04%	-13.58%	-15.60%	20.51%	14.44%	24.50%	Upgrade
Salaries & Employee Benefits	97.45	96.19	88.15	84.28	80.53	80.2	Upgrade
Cost of Services Provided	83.48	83.07	77.59	68.19	59.21	53.61	Upgrade
Other Operating Expenses	-17.54	-22.09	-13.08	-16.02	3.84	28.67	Upgrade
Total Operating Expenses	164.3	158.03	153.51	138.07	145.25	164.26	Upgrade
Operating Income	27.96	27.43	61.1	116.19	65.75	20.12	Upgrade
Pretax Income	27.96	27.43	61.1	116.19	65.75	20.12	Upgrade
Income Tax Expense	8.52	8.23	15.75	30.21	18.22	-1.56	Upgrade
Net Income	19.43	19.2	45.34	85.98	47.52	21.68	Upgrade
Net Income to Common	19.43	19.2	45.34	85.98	47.52	21.68	Upgrade
Net Income Growth	-27.57%	-57.65%	-47.27%	80.92%	119.24%	300.98%	Upgrade
Shares Outstanding (Basic)	22	21	21	21	23	23	Upgrade
Shares Outstanding (Diluted)	24	24	25	27	26	24	Upgrade
Shares Change (YoY)	-2.05%	-3.54%	-5.16%	3.14%	7.40%	-0.25%	Upgrade
EPS (Basic)	0.90	0.90	2.17	4.10	2.11	0.96	Upgrade
EPS (Diluted)	0.80	0.79	1.80	3.23	1.84	0.90	Upgrade
EPS Growth	-26.70%	-56.11%	-44.27%	75.54%	104.44%	309.09%	Upgrade
Free Cash Flow	265.32	233.32	237.42	213.78	196.22	238.74	Upgrade
Free Cash Flow Per Share	10.95	9.59	9.41	8.04	7.61	9.95	Upgrade
Operating Margin	14.54%	14.79%	28.47%	45.70%	31.16%	10.91%	Upgrade
Profit Margin	10.11%	10.35%	21.13%	33.82%	22.52%	11.76%	Upgrade
Free Cash Flow Margin	138.00%	125.80%	110.63%	84.08%	93.00%	129.49%	Upgrade
Effective Tax Rate	30.49%	30.00%	25.79%	26.00%	27.72%	-	Upgrade
Revenue as Reported	422.52	393.51	352.01	329.71	267.81	271.16	Upgrade

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q