Consumer Portfolio Services, Inc. (CPSS)

NASDAQ: CPSS · Real-Time Price · USD

9.01

-0.08 (-0.88%)

At close: Oct 5, 2026, 4:00 PM EDT

9.08

+0.07 (0.78%)

After-hours: Oct 5, 2026, 7:55 PM 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	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
Revenue	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

SEC Filings: 10-K · 10-Q