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Consumer Portfolio Services, Inc. (CPSS)
NASDAQ: CPSS · Real-Time Price · USD
9.45
+0.02 (0.21%)
At close: Jul 24, 2026, 4:00 PM EDT
9.41
-0.04 (-0.42%)
After-hours: Jul 24, 2026, 4:10 PM EDT

CPSS Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
202.76205.38207.56227.68270.29207.16
Revenue Growth
-0.82%-1.05%-8.84%-15.76%30.47%33.04%
Net Income
20.1719.3319.245.3485.9847.52
Earnings Per Share
0.890.800.791.803.231.84
EPS Growth
12.66%1.27%-56.11%-44.27%75.54%104.44%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
185.41172.21137.4125.43162.79176.55
Total Debt
3,2013,1592,7202,3332,1841,840
Net Cash (Debt)
-3,201-3,159-2,720-2,333-2,184-1,840
Net Cash Growth
------
Net Cash Per Share
-134.04-131.16-111.82-92.49-82.13-71.38

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
298.91289233.76237.98215.93198.19
Capital Expenditures
-1.03-0.71-0.43-0.56-2.15-1.98
Free Cash Flow
297.88288.29233.32237.42213.78196.22
Free Cash Flow Growth
17.22%23.56%-1.73%11.06%8.95%-17.81%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
14.42%13.63%13.22%26.83%42.99%31.74%
Profit Margin
9.95%9.41%9.25%19.91%31.81%22.94%
FCF Margin
146.91%140.37%112.41%104.28%79.10%94.72%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.1211.6613.755.212.746.44
Forward PE
-7.224.9214.7814.7814.63
P/FCF Ratio
0.690.711.000.840.831.28
PS Ratio
1.010.991.120.870.661.21