Consumer Portfolio Services, Inc. (CPSS)

CPSS Cash Flow Statement

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

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	20.17	19.33	19.2	45.34	85.98	47.52
Depreciation & Amortization	14	13.46	11.44	10.54	9.83	8.79
Provision for Credit Losses	-1.96	-2.93	-5.31	-22.3	-28.1	-14.59
Stock-Based Compensation	2.47	2.67	2.96	3.46	4.43	2
Other Adjustments	264.07	255.72	206.03	187.98	129.26	148.03
Changes in Accounts Payable	-6.29	-6.17	9.46	8.29	10.36	7.49
Changes in Other Operating Activities	6.45	6.94	-10.03	4.67	4.17	-1.04
Operating Cash Flow	298.91	289	233.76	237.98	215.93	198.19
Operating Cash Flow Growth	17.26%	23.63%	-1.77%	10.21%	8.95%	-16.99%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Loans Held-for-Investment	-645.65	-589.41	-769.41	-359.42	-713.65	-114.71
Capital Expenditures	-1.03	-0.71	-0.43	-0.56	-2.15	-1.98
Other Investing Activities	-	-	0.13	0.45	1.9	1.33
Investing Cash Flow	-646.68	-590.12	-769.71	-359.53	-713.9	-115.36

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Short-Term Debt Issued (Repaid)	99.32	-87.99	180.57	-53.25	181.87	-14.5
Long-Term Debt Issued	1,622	1,735	1,515	1,236	1,411	1,147
Long-Term Debt Repaid	-1,323	-1,295	-1,126	-1,087	-1,065	-1,156
Net Long-Term Debt Issued (Repaid)	299.29	440.34	389.13	149.03	345.46	-8.5
Issuance of Common Stock	4.46	4.71	6.91	16.58	15.28	6.05
Repurchase of Common Stock	-9.91	-8.67	-12.83	-20.27	-46.1	-25.68
Net Common Stock Issued (Repurchased)	-5.45	-3.96	-5.92	-3.69	-30.82	-19.63
Other Financing Activities	-11.96	-12.46	-15.87	-7.89	-12.3	-7.81
Financing Cash Flow	349.7	335.93	547.92	84.19	484.21	-50.44

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	1.94	34.81	11.97	-37.36	-13.76	32.4

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	297.88	288.29	233.32	237.42	213.78	196.22
Free Cash Flow Growth	17.22%	23.56%	-1.73%	11.06%	8.95%	-17.81%
FCF Margin	146.91%	140.37%	112.41%	104.28%	79.10%	94.72%
Free Cash Flow Per Share	12.47	11.97	9.59	9.41	8.04	7.61

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Aug 4, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 6, 2026

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