Consumer Portfolio Services, Inc. (CPSS)
NASDAQ: CPSS · Real-Time Price · USD
9.51
-0.13 (-1.35%)
Aug 14, 2026, 4:00 PM EDT - Market closed
CPSS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest and Dividend Income | 442.24 | 422.7 | 363.96 | 329.22 | 305.24 | 266.27 |
Total Interest Expense | 242.72 | 232.02 | 191.26 | 146.63 | 87.52 | 75.24 |
Net Interest Income | 199.52 | 190.67 | 172.71 | 182.59 | 217.71 | 191.03 |
Other Revenue | 9.32 | 5.27 | 7.45 | 9.72 | 8.45 | 5.38 |
Revenue Before Loan Losses | 208.84 | 195.95 | 180.16 | 192.31 | 226.17 | 196.41 |
Provision for Loan Losses | -2.93 | -2.93 | -5.31 | -22.3 | -28.1 | -14.59 |
| 211.77 | 198.88 | 185.46 | 214.61 | 254.27 | 211 | |
Revenue Growth | 11.17% | 7.23% | -13.58% | -15.60% | 20.51% | 14.44% |
Salaries & Employee Benefits | 92.44 | 95.37 | 96.19 | 88.15 | 84.28 | 80.53 |
Cost of Services Provided | 87.17 | 81.13 | 83.07 | 77.59 | 68.19 | 59.21 |
Other Operating Expenses | - | -6.5 | -22.09 | -13.08 | -16.02 | 3.84 |
Total Operating Expenses | 180.46 | 170.88 | 158.03 | 153.51 | 138.07 | 145.25 |
Operating Income | 31.31 | 28 | 27.43 | 61.1 | 116.19 | 65.75 |
Pretax Income | 31.31 | 28 | 27.43 | 61.1 | 116.19 | 65.75 |
Income Tax Expense | 9.71 | 8.68 | 8.23 | 15.75 | 30.21 | 18.22 |
Net Income | 21.61 | 19.33 | 19.2 | 45.34 | 85.98 | 47.52 |
Net Income to Common | 21.61 | 19.33 | 19.2 | 45.34 | 85.98 | 47.52 |
Net Income Growth | 11.19% | 0.64% | -57.65% | -47.27% | 80.92% | 119.24% |
Shares Outstanding (Basic) | 22 | 22 | 21 | 21 | 21 | 23 |
Shares Outstanding (Diluted) | 24 | 24 | 24 | 25 | 27 | 26 |
Shares Change | -2.17% | -1.00% | -3.54% | -5.16% | 3.14% | 7.40% |
EPS (Basic) | 0.99 | 0.88 | 0.90 | 2.17 | 4.10 | 2.11 |
EPS (Diluted) | 0.91 | 0.80 | 0.79 | 1.80 | 3.23 | 1.84 |
EPS Growth | 13.66% | 1.27% | -56.11% | -44.27% | 75.54% | 104.44% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 349.46 | 288.29 | 233.32 | 237.42 | 213.78 | 196.22 |
Free Cash Flow Per Share | 14.74 | 11.97 | 9.59 | 9.41 | 8.04 | 7.61 |
Operating 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% |
Free Cash Flow Margin | 165.02% | 144.96% | 125.80% | 110.63% | 84.08% | 93.00% |
Effective Tax Rate | 30.99% | 30.99% | 30.00% | 25.79% | 26.00% | 27.72% |
Revenue as Reported | 451.56 | 434.47 | 393.51 | 352.01 | 329.71 | 267.81 |