Consumer Portfolio Services, Inc. (CPSS)

NASDAQ: CPSS · Real-Time Price · USD

9.90

+0.65 (7.03%)

At close: Oct 23, 2026, 4:00 PM EDT

9.90

0.00 (0.00%)

Pre-market: Oct 26, 2026, 8:53 AM EDT

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	Sep '26 Sep 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	464.15	422.7	363.96	329.22	305.24	266.27
Total Interest Expense	254.14	232.02	191.26	146.63	87.52	75.24
Net Interest Income	210.01	190.67	172.71	182.59	217.71	191.03
Other Revenue	10.89	5.27	7.45	9.72	8.45	5.38
Revenue Before Loan Losses	220.91	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
Revenue	223.84	198.88	185.46	214.61	254.27	211
Revenue Growth	14.92%	7.23%	-13.58%	-15.60%	20.51%	14.44%
Salaries & Employee Benefits	94.84	95.37	96.19	88.15	84.28	80.53
Cost of Services Provided	86.6	81.13	83.07	77.59	68.19	59.21
Other Operating Expenses	7.17	-6.5	-22.09	-13.08	-16.02	3.84
Total Operating Expenses	189.48	170.88	158.03	153.51	138.07	145.25
Operating Income	34.36	28	27.43	61.1	116.19	65.75
Pretax Income	34.36	28	27.43	61.1	116.19	65.75
Income Tax Expense	10.65	8.68	8.23	15.75	30.21	18.22
Net Income	23.71	19.33	19.2	45.34	85.98	47.52
Net Income to Common	23.71	19.33	19.2	45.34	85.98	47.52
Net Income Growth	21.64%	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	-2.82%	-1.00%	-3.54%	-5.16%	3.14%	7.40%
EPS (Basic)	1.09	0.88	0.90	2.17	4.10	2.11
EPS (Diluted)	1.01	0.80	0.79	1.80	3.23	1.84
EPS Growth	26.19%	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	Sep '26 Sep 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	-	288.29	233.32	237.42	213.78	196.22
Free Cash Flow Per Share	-	11.97	9.59	9.41	8.04	7.61
Operating Margin	15.35%	14.08%	14.79%	28.47%	45.70%	31.16%
Profit Margin	10.59%	9.72%	10.35%	21.13%	33.82%	22.52%
Free Cash Flow Margin	-	144.96%	125.80%	110.63%	84.08%	93.00%
Effective Tax Rate	31.00%	30.99%	30.00%	25.79%	26.00%	27.72%
Revenue as Reported	475.04	434.47	393.51	352.01	329.71	267.81

SEC Filings: 10-K · 10-Q