Consumer Portfolio Services, Inc. (CPSS)

CPSS Cash Flow 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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	19.43	19.2	45.34	85.98	47.52	21.68
Depreciation & Amortization	0.92	0.86	0.85	1.62	1.68	1.78
Provision for Credit Losses	-3.48	-5.31	-22.3	-28.1	-14.59	14.11
Stock-Based Compensation	2.68	2.96	3.46	4.43	2	1.94
Other Adjustments	241.17	216.6	197.67	137.47	155.14	194.03
Changes in Accrued Interest and Accounts Receivable	-	-	-	-	-	6.63
Changes in Accounts Payable	3.39	9.46	8.29	10.36	7.49	-4.12
Changes in Other Operating Activities	1.97	-10.03	4.67	4.17	-1.04	2.71
Operating Cash Flow	266.09	233.76	237.98	215.93	198.19	238.77
Operating Cash Flow Growth	24.74%	-1.77%	10.21%	8.95%	-16.99%	10.14%
Net Change in Loans Held-for-Investment	-812.02	-769.41	-359.42	-713.65	-114.71	89.31
Capital Expenditures	-0.77	-0.43	-0.56	-2.15	-1.98	-0.02
Other Investing Activities	-	0.13	0.45	1.9	1.33	3.75
Investing Cash Flow	-812.73	-769.71	-359.53	-713.9	-115.36	93.03
Short-Term Debt Issued	314.67	180.57	-53.25	181.87	-14.5	-16.27
Net Short-Term Debt Issued (Repaid)	314.67	180.57	-53.25	181.87	-14.5	-16.27
Long-Term Debt Issued	8.76	1,465	1,236	1,415	1,119	721.29
Long-Term Debt Repaid	-1,205	-1,126	-1,087	-1,065	-1,156	-1,013
Net Long-Term Debt Issued (Repaid)	-1,197	339.13	149.03	349.77	-37.23	-291.66
Issuance of Common Stock	5.62	6.91	16.58	15.28	6.05	0.95
Repurchase of Common Stock	-	-12.83	-20.27	-46.1	-25.68	-1.22
Net Common Stock Issued (Repurchased)	5.62	-5.92	-3.69	-30.82	-19.63	-0.27
Other Financing Activities	-12.64	34.13	-7.89	-16.61	20.92	-20.29
Financing Cash Flow	440.2	547.92	84.19	484.21	-50.44	-328.48
Net Cash Flow	-106.44	11.97	-37.36	-13.76	32.4	3.32
Beginning Cash & Cash Equivalents	266.61	125.43	162.79	176.55	144.15	140.83
Ending Cash & Cash Equivalents	160.17	137.4	125.43	162.79	176.55	144.15
Free Cash Flow	265.32	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Growth	13.71%	-1.73%	11.06%	8.95%	-17.81%	10.51%
FCF Margin	126.46%	112.41%	104.28%	79.10%	94.72%	153.33%
Free Cash Flow Per Share	10.95	9.59	9.41	8.04	7.61	9.95
Levered Free Cash Flow	-857.02	538.78	154.36	631.63	1.94	-279.26
Unlevered Free Cash Flow	5.51	-0.14	13.24	14	6.15	6.99

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q