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Consumer Portfolio Services, Inc. (CPSS)
NASDAQ: CPSS · Real-Time Price · USD
9.50
+0.13 (1.39%)
Sep 11, 2026, 2:54 PM EDT - Market open

CPSS Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
211.77198.88185.46214.61254.27211
Revenue Growth
11.17%7.23%-13.58%-15.60%20.51%14.44%
Operating Income
31.312827.4361.1116.1965.75
Net Income
21.6119.3319.245.3485.9847.52
Earnings Per Share
0.910.800.791.803.231.84
EPS Growth
13.66%1.27%-56.11%-44.27%75.54%104.44%

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
7.56.3211.716.1713.4929.93
Total Debt
4,0263,5033,1532,5702,4751,956
Net Cash (Debt)
-4,018-3,497-3,141-2,564-2,462-1,926
Net Cash Growth
------
Net Cash Per Share
-169.49-145.21-129.13-101.66-92.59-74.71

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
350.54289233.76237.98215.93198.19
Capital Expenditures
-1.08-0.71-0.43-0.56-2.15-1.98
Free Cash Flow
349.46288.29233.32237.42213.78196.22
Free Cash Flow Growth
31.72%23.56%-1.73%11.06%8.95%-17.81%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
14.79%14.08%14.79%28.47%45.70%31.16%
Pretax Margin
14.79%14.08%14.79%28.47%45.70%31.16%
Profit Margin
10.20%9.72%10.35%21.13%33.82%22.52%
FCF Margin
165.02%144.96%125.80%110.63%84.08%93.00%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.3010.6612.114.362.105.26
Forward PE
-7.224.9214.7814.7814.63
P/FCF Ratio
0.580.711.000.830.851.27
PS Ratio
0.951.031.250.920.711.18