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Financials · CPSS

Consumer Portfolio Services Inc. (CPSS) financials

For the twelve months ended Sep 30, 2026, Consumer Portfolio Services Inc. reported $475.04M of revenue and $23.71M of net income.

Revenue, TTM
$475.04M
Revenue growth, YoY
+10.4%
Net income, TTM
$23.71M
Net income growth, YoY
+21.6%
Net margin
5.0%
Free cash flow, TTM
$358.83M
EPS, diluted, TTM
$1.02
EPS growth, YoY
+27.5%
Cash
$5.15M
Total debt
$961.31M
P/E
9.37
P/S
0.47
Market cap
$222.2M
Annual revenue$434.47M
FY2016FY2025
Annual net income$19.32M
FY2016FY2025
Annual free cash flow$288.29M
FY2016FY2025

CPSS revenue and earnings growth

CPSS revenueQ3 2026$131.91M

Quarter YoY
+21.7%
QoQ
+8.7%
FY YoY
+10.4%
5Y CAGR
+9.9%
10Y CAGR
+1.8%

CPSS revenue was $131.91M in fiscal Q3 2026 (ended Sep 30, 2026), up 21.7% from a year earlier and up 8.7% from the prior quarter. For the full fiscal 2025 it was $434.47M, up 10.4% from fiscal 2024. Compound annual growth was +9.9% over 5 years and +1.8% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CPSS net incomeQ3 2026$6.95M

Quarter YoY
+43.3%
QoQ
+11.5%
FY YoY
+0.6%
5Y CAGR
-2.3%
10Y CAGR
-5.7%

CPSS net income was $6.95M in fiscal Q3 2026 (ended Sep 30, 2026), up 43.3% from a year earlier and up 11.5% from the prior quarter. For the full fiscal 2025 it was $19.32M, up 0.6% from fiscal 2024. Compound annual growth was -2.3% over 5 years and -5.7% over 10 years. It rose in 5 of the last 10 fiscal years.

CPSS EPSQ3 2026$0.30

Quarter YoY
+50.0%
QoQ
+11.1%
FY YoY
+1.3%
5Y CAGR
-2.3%
10Y CAGR
-3.1%

CPSS diluted EPS was $0.30 in fiscal Q3 2026 (ended Sep 30, 2026), up 50.0% from a year earlier and up 11.1% from the prior quarter. For the full fiscal 2025 it was $0.80, up 1.3% from fiscal 2024. Compound annual growth was -2.3% over 5 years and -3.1% over 10 years.

CPSS free cash flowQ3 2026$94.24M

Quarter YoY
+11.0%
QoQ
-11.0%
FY YoY
+23.6%
5Y CAGR
+3.8%
10Y CAGR
+4.5%

CPSS free cash flow was $94.24M in fiscal Q3 2026 (ended Sep 30, 2026), up 11.0% from a year earlier and down 11.0% from the prior quarter. For the full fiscal 2025 it was $288.29M, up 23.6% from fiscal 2024. Compound annual growth was +3.8% over 5 years and +4.5% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$434.47M$393.51M$352.01M$329.71M$267.81M$271.16M$345.80M$389.77M$434.38M$422.28M
Selling, general and admin$52.87M$54.71M$50.00M$37.62M$34.62M$31.98M$33.00M$31.04M$26.58M$24.84M
Interest expense$232.02M$191.26M$146.63M$87.52M$75.24M$101.34M$110.53M$101.47M$92.34M$79.94M
Pre-tax income$28.00M$27.43M$61.10M$116.19M$65.75M$20.12M$9.16M$18.70M$32.07M$49.66M
Income tax$8.68M$8.23M$15.75M$30.21M$18.22M-$1.56M$3.76M$3.84M$28.31M$20.36M
Net income$19.32M$19.20M$45.34M$85.98M$47.52M$21.68M$5.41M$14.86M$3.77M$29.30M
EPS, basic$0.88$0.90$2.17$4.10$2.11$0.96$0.24$0.68$0.17$1.20
EPS, diluted$0.80$0.79$1.80$3.23$1.84$0.90$0.22$0.59$0.14$1.01
Diluted shares24.1M24.3M25.2M26.6M25.8M24.0M24.1M25.0M27.2M29.0M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$6.32M$137.40M$125.43M$162.79M$176.55M$144.15M$140.83M$130.11M$124.70M$13.94M
Total assets$3.86B$3.49B$2.90B$2.75B$2.16B$2.15B$2.54B$2.49B$2.42B$2.41B
Short-term debt-----$300.00M----
Total debt$500.70M$541.69M$301.81M$363.14M$186.78M$167.41M$194.32M$195.37M$130.84M$119.91M
Total liabilities$3.55B$3.20B$2.63B$2.52B$1.99B$2.01B$2.34B$2.29B$2.24B$2.22B
Shareholders' equity$309.54M$0$274.67M$228.39M$170.21M$133.36M$110.17M$197.12M$183.94M$186.22M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$289.00M$233.75M$237.98M$215.93M$198.19M$238.77M$216.78M$216.21M$215.65M$196.33M
Capital expenditures$709.0K$433.0K$559.0K$2.15M$1.98M$24.0K$751.0K$1.08M$669.0K$1.08M
Free cash flow$288.29M$233.32M$237.42M$213.78M$196.22M$238.74M$216.03M$215.13M$214.98M$195.25M
Investing cash flow-$590.12M-$769.71M-$359.53M-$713.90M-$115.36M$93.03M-$229.35M-$242.19M-$210.63M-$437.80M
Financing cash flow$335.93M$547.92M$84.19M$484.21M-$50.44M-$328.48M$23.29M$31.40M-$7.02M$242.78M
Share repurchases$8.67M$12.83M$20.27M$46.10M$25.68M$1.22M$1.44M$5.31M$12.35M$10.47M
Stock-based compensation-$2.96M$3.46M$4.43M$2.00M$1.94M$2.07M$3.52M$5.71M$5.55M
Depreciation and amortization$881.0K$862.0K$847.0K$1.62M$1.68M$1.78M$1.08M$992.0K$934.0K$777.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.4%11.8%6.8%23.1%-1.2%-21.6%-11.3%-10.3%2.9%16.1%
Net income growth, YoY0.6%-57.6%-47.3%80.9%119.2%301.0%-63.6%294.7%-87.2%-15.5%
EPS growth, YoY1.3%-56.1%-44.3%75.5%104.4%309.1%-62.7%321.4%-86.1%-8.2%
Net margin4.4%4.9%12.9%26.1%17.7%8.0%1.6%3.8%0.9%6.9%
Free cash flow margin66.4%59.3%67.4%64.8%73.3%88.0%62.5%55.2%49.5%46.2%
Return on equity6.2%-16.5%37.6%27.9%16.3%4.9%7.5%2.0%15.7%
Return on assets0.5%0.5%1.6%3.1%2.2%1.0%0.2%0.6%0.2%1.2%
Debt to equity1.62-1.101.591.101.261.760.990.710.64

Source: XBRL data Consumer Portfolio Services Inc. files with the SEC, latest filing dated Oct 30, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CPSS peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CPSS$475.04M+10.4%$23.71M5.0%$222.2M
AXP$77.59B+10.2%$12.26B15.8%$215.24B
SPGI$17.21B+18.2%$4.99B29.0%$135.62B
MCO$8.18B+9.0%$2.88B35.3%$87.18B
NU$15.77B+37.0%$2.87B18.2%$58.39B
RKT$11.46B+90.4%$1.30B11.4%$42.74B
COIN$5.63B-26.6%-$701.62M-12.5%$35.68B
AFRM$4.59B+32.7%$2.01B43.9%$23.08B
SYF$19.31B+2.6%$3.33B17.3%$22.96B

CPSS FAQ

8 questions
  • What is CPSS revenue?
    Consumer Portfolio Services Inc. (CPSS) reported $475.04M of revenue for the twelve months ended Sep 30, 2026. That is up 10.4% from the year before. Revenue for fiscal 2025 was $434.47M.
  • Is CPSS profitable?
    Yes. Consumer Portfolio Services Inc. earned $23.71M in net income for the twelve months ended Sep 30, 2026, a net margin of 5.0%.
  • How much cash and debt does CPSS have?
    Consumer Portfolio Services Inc. reported $5.15M in cash and cash equivalents and $961.31M of debt on its most recent balance sheet in SEC filings.
  • How fast is CPSS revenue growing?
    Consumer Portfolio Services Inc.'s revenue changed +10.4% in fiscal 2025, to $434.47M. Its compound annual growth rate was +9.9% over 5 years and +1.8% over 10 years.
  • What is CPSS free cash flow?
    Consumer Portfolio Services Inc. generated $358.83M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $360.26M less capital expenditures.
  • What is CPSS earnings per share?
    Diluted earnings per share were $1.02 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CPSS last report financial results?
    The latest statements here come from Consumer Portfolio Services Inc.'s 10-Q filed on Oct 30, 2026, covering the period ended Sep 30, 2026.
  • Where does this CPSS financial data come from?
    Quantisnow builds these statements from the structured XBRL data Consumer Portfolio Services Inc. files with the SEC. It is provided for information only and is not investment advice.