NASDAQ : CPSS
Consumer Portfolio Services, Inc. — Financial statements
Financials · Credit Services · United States
Last price 10.13 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 218.35M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest and Dividend Income | 464.15M | 422.70M | 363.96M | 329.22M | 305.24M | 266.27M |
| Total Interest Expense | 254.14M | 232.02M | 191.26M | 146.63M | 87.52M | 75.24M |
| Net Interest Income | 210.01M | 190.67M | 172.71M | 182.59M | 217.71M | 191.03M |
| Other Revenue | 10.89M | 5.27M | 7.45M | 9.72M | 8.45M | 5.38M |
| Revenue Before Loan Losses | 220.91M | 195.95M | 180.16M | 192.31M | 226.16M | 196.41M |
| Provision for Loan Losses | -2.93M | -2.93M | -5.31M | -22.30M | -28.10M | -14.59M |
| Revenue | 223.84M | 198.88M | 185.46M | 214.60M | 254.26M | 211.00M |
| Salaries & Employee Benefits | 94.83M | 95.37M | 96.19M | 88.15M | 84.28M | 80.53M |
| Cost of Services Provided | 86.60M | 81.13M | 83.07M | 77.59M | 68.19M | 59.21M |
| Other Operating Expenses | 7.17M | -6.50M | -22.09M | -13.08M | -16.02M | 3.84M |
| Total Operating Expenses | 189.48M | 170.88M | 158.03M | 153.51M | 138.07M | 145.25M |
| Operating Income | 34.36M | 28.00M | 27.43M | 61.10M | 116.19M | 65.75M |
| Pretax Income | 34.36M | 28.00M | 27.43M | 61.10M | 116.19M | 65.75M |
| Income Tax Expense | 10.65M | 8.68M | 8.23M | 15.75M | 30.21M | 18.22M |
| Net Income | 23.71M | 19.32M | 19.20M | 45.34M | 85.98M | 47.52M |
| Net Income to Common | 23.71M | 19.32M | 19.20M | 45.34M | 85.98M | 47.52M |
| Shares Outstanding (Basic) | 21.81M | 21.89M | 21.29M | 20.90M | 20.96M | 22.56M |
| Shares Outstanding (Diluted) | 23.53M | 24.08M | 24.32M | 25.22M | 26.59M | 25.78M |
| 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 |
| Free Cash Flow | 288.29M | 233.32M | 237.42M | 213.78M | 196.22M | |
| 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 | 475.04M | 434.47M | 393.51M | 352.01M | 329.71M | 267.81M |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 5.15M | 6.32M | 11.71M | 6.17M | 13.49M | 29.93M |
| Loans & Lease Receivables | 4.62B | 3.66B | 3.32B | 2.75B | 2.55B | 1.93B |
| Other Receivables | 2.27M | |||||
| Property, Plant & Equipment | 17.71M | 20.39M | 4.30M | 3.41M | 9.32M | |
| Restricted Cash | 174.96M | 165.88M | 125.68M | 119.26M | 149.30M | 146.62M |
| Long-Term Deferred Tax Assets | 16.00K | 1.01M | 3.74M | 10.18M | 19.57M | |
| Other Long-Term Assets | 27.27M | 11.88M | 16.32M | 22.94M | 29.23M | 26.58M |
| Total Assets | 4.83B | 3.86B | 3.49B | 2.90B | 2.75B | 2.16B |
| Accounts Payable | 93.59M | 45.58M | 48.37M | 59.23M | 49.01M | 33.47M |
| Current Portion of Long-Term Debt | 735.84M | 1.50B | 410.90M | 234.03M | ||
| Current Portion of Leases | 5.81M | |||||
| Long-Term Debt | 3.68B | 1.98B | 2.72B | 2.33B | 2.47B | 1.95B |
| Long-Term Leases | 13.85M | 21.79M | 3.31M | 6.41M | 10.18M | |
| Total Liabilities | 4.51B | 3.55B | 3.20B | 2.63B | 2.52B | 1.99B |
| Common Stock | 324.49M | 24.43M | 25.72M | 28.68M | 28.91M | 55.30M |
| Retained Earnings | 286.38M | 267.06M | 247.86M | 202.51M | 116.53M | |
| Comprehensive Income & Other | -1.27M | -10.00K | -1.87M | -3.03M | -1.62M | |
| Shareholders' Equity | 324.49M | 309.54M | 292.77M | 274.67M | 228.39M | 170.21M |
| Total Liabilities & Equity | 4.83B | 3.86B | 3.49B | 2.90B | 2.75B | 2.16B |
| Total Debt | 4.41B | 3.50B | 3.15B | 2.57B | 2.48B | 1.96B |
| Net Cash (Debt) | -4.41B | -3.50B | -3.14B | -2.56B | -2.46B | -1.93B |
| Net Cash Per Share | -187.40 | -145.21 | -129.13 | -101.66 | -92.59 | -74.71 |
| Filing Date Shares Outstanding | 21.85M | 21.76M | 21.44M | 21.13M | 20.54M | 21.27M |
| Total Common Shares Outstanding | 21.85M | 21.84M | 21.43M | 21.17M | 20.13M | 21.14M |
| Working Capital | 3.98B | 2.28B | 3.00B | 2.58B | 2.66B | 2.07B |
| Book Value Per Share | 14.85 | 14.17 | 13.66 | 12.97 | 11.34 | 8.05 |
| Tangible Book Value | 324.49M | 309.54M | 292.77M | 274.67M | 228.39M | 170.21M |
| Tangible Book Value Per Share | 14.85 | 14.17 | 13.66 | 12.97 | 11.34 | 8.05 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 19.32M | 19.20M | 45.34M | 85.98M | 47.52M | |
| Depreciation & Amortization | 881.00K | 862.00K | 847.00K | 1.62M | 1.68M | |
| Other Amortization | 12.58M | 10.57M | 9.69M | 8.21M | 7.11M | |
| Provision for Credit Losses | -9.43M | -26.31M | -34.30M | -43.38M | -10.17M | |
| Stock-Based Compensation | 2.67M | 2.96M | 3.46M | 4.43M | 2.00M | |
| Change in Accounts Payable | -6.17M | 9.46M | 8.29M | 10.36M | 7.49M | |
| Change in Other Net Operating Assets | 6.94M | -10.03M | 4.67M | 4.17M | -1.04M | |
| Other Operating Activities | 261.22M | 224.30M | 193.54M | 135.15M | 134.67M | |
| Operating Cash Flow | 289.00M | 233.75M | 237.98M | 215.93M | 198.19M | |
| Capital Expenditures | -709.00K | -433.00K | -559.00K | -2.15M | -1.98M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -589.41M | -769.40M | -359.42M | -713.65M | -114.71M | |
| Other Investing Activities | 125.00K | 446.00K | 1.90M | 1.33M | ||
| Investing Cash Flow | -590.12M | -769.71M | -359.53M | -713.90M | -115.36M | |
| Long-Term Debt Issued | 1.73B | 1.70B | 1.24B | 1.60B | 1.15B | |
| Long-Term Debt Repaid | -1.38B | -1.13B | -1.14B | -1.07B | -1.17B | |
| Net Debt Issued (Repaid) | 352.35M | 569.71M | 95.77M | 527.33M | -23.00M | |
| Issuance of Common Stock | 4.71M | 6.91M | 16.58M | 15.28M | 6.05M | |
| Repurchase of Common Stock | -8.67M | -12.83M | -20.27M | -46.10M | -25.68M | |
| Other Financing Activities | -12.46M | -15.87M | -7.89M | -12.30M | -7.81M | |
| Financing Cash Flow | 335.93M | 547.92M | 84.19M | 484.21M | -50.44M | |
| Net Cash Flow | 34.81M | 11.97M | -37.36M | -13.76M | 32.40M | |
| Free Cash Flow | 288.29M | 233.32M | 237.42M | 213.78M | 196.22M | |
| Free Cash Flow Margin | 144.96% | 125.80% | 110.63% | 84.08% | 93.00% | |
| Free Cash Flow Per Share | 11.97 | 9.59 | 9.41 | 8.04 | 7.61 | |
| Cash Interest Paid | 218.12M | 177.95M | 135.20M | 76.70M | 69.48M | |
| Cash Income Tax Paid | 6.83M | 11.80M | 3.55M | 16.18M | 14.25M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 221.35M | 205.92M | 232.46M | 197.90M | 180.89M | 249.72M |
| PE Ratio | 10.03 | 10.66 | 12.11 | 4.36 | 2.10 | 5.25 |
| PS Ratio | 0.99 | 1.03 | 1.25 | 0.92 | 0.71 | 1.18 |
| PB Ratio | 0.68 | 0.67 | 0.79 | 0.72 | 0.79 | 1.47 |
| P/FCF Ratio | 0.63 | 0.71 | 1.00 | 0.83 | 0.85 | 1.27 |
| P/OCF Ratio | 0.63 | 0.71 | 0.99 | 0.83 | 0.84 | 1.26 |
| Debt / Equity Ratio | 13.60 | 11.32 | 10.77 | 9.36 | 10.84 | 11.49 |
| Debt / FCF Ratio | 12.15 | 13.51 | 10.82 | 11.58 | 9.97 | |
| Net Debt / Equity Ratio | 13.59 | 11.30 | 10.73 | 9.33 | 10.78 | 11.31 |
| Net Debt / FCF Ratio | 12.13 | 13.46 | 10.80 | 11.52 | 9.81 | |
| Quick Ratio | 5.58 | 2.36 | 7.25 | 9.39 | 52.25 | 58.49 |
| Current Ratio | 5.79 | 2.47 | 7.53 | 9.80 | 55.29 | 62.87 |
| Asset Turnover | 0.05 | 0.05 | 0.06 | 0.08 | 0.10 | 0.10 |
| Return on Equity (ROE) | 7.50% | 6.42% | 6.77% | 18.03% | 43.14% | 31.31% |
| Return on Assets (ROA) | 0.55% | 0.53% | 0.60% | 1.60% | 3.50% | 2.21% |
| Return on Invested Capital (ROIC) | 0.52% | 0.53% | 0.61% | 1.63% | 3.56% | 2.24% |
| Earnings Yield | 9.97% | 9.38% | 8.26% | 22.91% | 47.53% | 19.03% |
| FCF Yield | 157.88% | 140.00% | 100.37% | 119.97% | 118.19% | 78.57% |
| Buyback Yield / Dilution | 2.82% | 1.00% | 3.54% | 5.16% | -3.14% | -7.40% |