Consumer Portfolio Services, Inc. (CPSS)
NASDAQ: CPSS · Real-Time Price · USD
8.95
+0.35 (4.07%)
At close: Apr 28, 2026, 4:00 PM EDT
8.96
+0.01 (0.11%)
After-hours: Apr 28, 2026, 6:59 PM EDT
CPSS Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
| 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 | 422.7 | 363.96 | 329.22 | 305.24 | 266.27 | |
| Total Interest Expense | 232.02 | 191.26 | 146.63 | 87.52 | 75.24 | |
| Net Interest Income | 190.67 | 172.71 | 182.59 | 217.71 | 191.03 | |
| Other Revenue | 5.27 | 7.45 | 9.72 | 8.45 | 5.38 | |
| Revenue Before Loan Losses | 195.95 | 180.16 | 192.31 | 226.17 | 196.41 | |
| Provision for Loan Losses | -2.93 | -5.31 | -22.3 | -28.1 | -14.59 | |
| Revenue | 198.88 | 185.46 | 214.61 | 254.27 | 211 | |
| Revenue Growth (YoY) | 7.23% | -13.58% | -15.60% | 20.51% | 14.44% | |
| Salaries & Employee Benefits | 95.37 | 96.19 | 88.15 | 84.28 | 80.53 | |
| Cost of Services Provided | 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 | 170.88 | 158.03 | 153.51 | 138.07 | 145.25 | |
| Operating Income | 28 | 27.43 | 61.1 | 116.19 | 65.75 | |
| Pretax Income | 28 | 27.43 | 61.1 | 116.19 | 65.75 | |
| Income Tax Expense | 8.68 | 8.23 | 15.75 | 30.21 | 18.22 | |
| Net Income | 19.33 | 19.2 | 45.34 | 85.98 | 47.52 | |
| Net Income to Common | 19.33 | 19.2 | 45.34 | 85.98 | 47.52 | |
| Net Income Growth | 0.64% | -57.65% | -47.27% | 80.92% | 119.24% | |
| Shares Outstanding (Basic) | 22 | 21 | 21 | 21 | 23 | |
| Shares Outstanding (Diluted) | 24 | 24 | 25 | 27 | 26 | |
| Shares Change (YoY) | -1.00% | -3.54% | -5.16% | 3.14% | 7.40% | |
| EPS (Basic) | 0.88 | 0.90 | 2.17 | 4.10 | 2.11 | |
| EPS (Diluted) | 0.80 | 0.79 | 1.80 | 3.23 | 1.84 | |
| EPS Growth | 1.27% | -56.11% | -44.27% | 75.54% | 104.44% | |
| 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 | 14.08% | 14.79% | 28.47% | 45.70% | 31.16% | |
| Profit Margin | 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 | 30.99% | 30.00% | 25.79% | 26.00% | 27.72% | |
| Revenue as Reported | 434.47 | 393.51 | 352.01 | 329.71 | 267.81 | |
Source: S&P Capital IQ. Financial Services template.
Financial Sources.