Consumer Portfolio Services, Inc. (CPSS)

CPSS Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	19.33	19.2	45.34	85.98	47.52
Depreciation & Amortization	13.46	11.44	10.54	9.83	8.79
Provision for Credit Losses	-2.93	-5.31	-22.3	-28.1	-14.59
Stock-Based Compensation	2.67	2.96	3.46	4.43	2
Other Adjustments	255.72	206.03	187.98	129.26	148.03
Changes in Accounts Payable	-6.17	9.46	8.29	10.36	7.49
Changes in Other Operating Activities	6.94	-10.03	4.67	4.17	-1.04
Operating Cash Flow	289	233.76	237.98	215.93	198.19
Operating Cash Flow Growth	23.63%	-1.77%	10.21%	8.95%	-16.99%
Net Change in Loans Held-for-Investment	-589.41	-769.41	-359.42	-713.65	-114.71
Capital Expenditures	-0.71	-0.43	-0.56	-2.15	-1.98
Other Investing Activities	-	0.13	0.45	1.9	1.33
Investing Cash Flow	-590.12	-769.71	-359.53	-713.9	-115.36
Net Short-Term Debt Issued (Repaid)	-87.99	180.57	-53.25	181.87	-14.5
Long-Term Debt Issued	1,735	1,515	1,236	1,411	1,147
Long-Term Debt Repaid	-1,295	-1,126	-1,087	-1,065	-1,156
Net Long-Term Debt Issued (Repaid)	440.34	389.13	149.03	345.46	-8.5
Issuance of Common Stock	4.71	6.91	16.58	15.28	6.05
Repurchase of Common Stock	-8.67	-12.83	-20.27	-46.1	-25.68
Net Common Stock Issued (Repurchased)	-3.96	-5.92	-3.69	-30.82	-19.63
Other Financing Activities	-12.46	-15.87	-7.89	-12.3	-7.81
Financing Cash Flow	335.93	547.92	84.19	484.21	-50.44
Net Cash Flow	34.81	11.97	-37.36	-13.76	32.4
Free Cash Flow	288.29	233.32	237.42	213.78	196.22
Free Cash Flow Growth	23.56%	-1.73%	11.06%	8.95%	-17.81%
FCF Margin	140.37%	112.41%	104.28%	79.10%	94.72%
Free Cash Flow Per Share	11.97	9.59	9.41	8.04	7.61
Levered Free Cash Flow	385.19	599.35	164.05	635.52	37.78
Unlevered Free Cash Flow	13.52	10.44	22.93	22.21	13.26

Updated Mar 10, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q