CPSS · Consumer Portfolio Services, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $112.33M | - | $108.42M | $109.76M | $106.87M | - | $100.58M | $95.88M | $91.74M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $12.91M | - | $13.42M | $13.18M | $13.54M | - | $13.28M | $13.26M | $13.75M | - |
| Total Operating Expenses | $104.31M | - | $101.39M | $102.81M | $100.07M | - | $93.73M | $89.21M | $85.19M | - |
| D&A | $225.0K | - | $207.0K | $249.0K | $249.0K | - | $214.0K | $221.0K | $215.0K | - |
| Operating Income | $8.03M | - | $7.03M | $6.95M | $6.80M | - | $6.85M | $6.67M | $6.56M | - |
| Interest Expense | $60.06M | - | $59.10M | $58.70M | $54.92M | - | $50.06M | $46.71M | $41.97M | - |
| Income Tax | $2.49M | - | $2.18M | $2.15M | $2.11M | - | $2.06M | $2.00M | $1.97M | - |
| Net Income | $5.54M | - | $4.85M | $4.80M | $4.69M | - | $4.80M | $4.67M | $4.59M | - |
| EPS - Basic | $0.25 | - | $0.22 | $0.22 | $0.22 | - | $0.22 | $0.22 | $0.22 | - |
| EPS - Diluted | $0.24 | - | $0.20 | $0.20 | $0.19 | - | $0.20 | $0.19 | $0.19 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $6.94M | $6.32M | $9.39M | $15.77M | $29.84M | $11.71M | $8.07M | $9.75M | $13.25M | $6.17M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $4.05B | $3.86B | $3.81B | $3.76B | $3.67B | $3.49B | $3.46B | $3.29B | $3.01B | $2.90B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $3.74B | $3.55B | $3.50B | $3.46B | $3.38B | $3.20B | $3.18B | $3.01B | $2.73B | $2.63B |
| Stockholders' Equity | $314.35M | $309.54M | $307.56M | $303.10M | $298.43M | $292.77M | $285.09M | $280.31M | $279.10M | $274.67M |
| Retained Earnings | $291.92M | $286.38M | $281.40M | $276.55M | $271.75M | $267.06M | $261.92M | $257.12M | $252.45M | $247.86M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $83.78M | - | - | - | $73.87M | - | - | - | $52.70M | - |
| Investing Cash Flow | ($250.68M) | - | - | - | ($194.11M) | - | - | - | ($108.63M) | - |
| Financing Cash Flow | $180.10M | - | - | - | $166.32M | - | - | - | $81.45M | - |
| CapEx | $796.0K | - | - | - | $471.0K | - | - | - | $111.0K | - |
| Free Cash Flow | $82.98M | - | - | - | $73.40M | - | - | - | $52.59M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 7.1% | - | 6.5% | 6.3% | 6.4% | - | 6.8% | 7.0% | 7.1% | - |
| EBITDA margin | 7.3% | - | 6.7% | 6.6% | 6.6% | - | 7.0% | 7.2% | 7.4% | - |
| Net margin | 4.9% | - | 4.5% | 4.4% | 4.4% | - | 4.8% | 4.9% | 5.0% | - |
| Free cash flow margin | 73.9% | - | - | - | 68.7% | - | - | - | 57.3% | - |
| FCF / Net income | 14.98 | - | - | - | 15.64 | - | - | - | 11.46 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 11.5% | - | 12.4% | 12.0% | 12.7% | - | 13.2% | 13.8% | 15.0% | - |
| Effective tax rate | 31.0% | - | 31.0% | 31.0% | 31.0% | - | 30.0% | 30.0% | 30.0% | - |
| Return on assets | 0.1% | - | 0.1% | 0.1% | 0.1% | - | 0.1% | 0.1% | 0.2% | - |
| Return on equity | 1.8% | - | 1.6% | 1.6% | 1.6% | - | 1.7% | 1.7% | 1.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | 0.1x | - | 0.1x | 0.1x | 0.1x | - | 0.1x | 0.1x | 0.2x | - |
| Equity multiplier | 12.89 | 12.46 | 12.39 | 12.42 | 12.31 | 11.93 | 12.15 | 11.72 | 10.77 | 10.57 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.92 | 0.91 | 0.91 | 0.91 |
| Efficiency | ||||||||||
| Asset turnover | 0.03 | - | 0.03 | 0.03 | 0.03 | - | 0.03 | 0.03 | 0.03 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 32.2x | - | 37.8x | 49.1x | 45.6x | - | 46.9x | 51.6x | 39.8x | - |
| P / B | 0.6x | - | 0.6x | 0.8x | 0.7x | - | 0.8x | 0.8x | 0.7x | - |
| P / S | 1.6x | - | 1.7x | 2.2x | 2.0x | - | 2.3x | 2.5x | 2.0x | - |
| EV / EBITDA | 21.2x | - | 23.8x | 30.8x | 25.7x | - | 30.9x | 33.1x | 25.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 5.1% | - | 7.8% | 14.5% | 16.5% | - | 9.2% | 13.0% | 10.4% | - |
| Revenue CAGR (3y) | 10.6% | - | 6.3% | 10.2% | 12.8% | - | 13.6% | 12.8% | 13.3% | - |
| Revenue CAGR (5y) | 12.2% | - | 8.9% | 10.3% | 8.6% | - | 3.3% | 2.1% | 0.8% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 18.0% | - | 2.6% | 4.2% | 3.7% | - | -80.1% | -64.1% | -64.4% | - |
| Net income growth (YoY) | 18.0% | - | 1.2% | 2.7% | 2.3% | - | -53.8% | -66.5% | -66.8% | - |
| EPS growth (YoY) | 26.3% | - | 0.0% | 5.3% | 0.0% | - | -51.2% | -65.5% | -64.8% | - |
| EPS CAGR (3y) | -23.7% | - | -40.5% | -39.7% | -36.7% | - | -27.3% | -21.3% | -3.3% | - |
| EPS CAGR (5y) | 2.7% | - | 4.6% | 9.0% | -15.8% | - | 20.1% | 18.9% | 22.1% | - |
| FCF growth (YoY) | 13.1% | - | - | - | 39.6% | - | - | - | -19.2% | - |
| FCF CAGR (5y) | 5.0% | - | - | - | 2.9% | - | - | - | -2.0% | - |
| Book value growth (YoY) | 5.3% | 5.7% | 7.9% | 8.1% | 6.9% | 6.6% | 7.2% | 9.8% | 15.0% | 20.3% |
Peer comparison
Same SIC group: Finance Services
Comparing CONSUMER PORTFOLIO SERVICES against the 5 most active filers in the same SIC group.