Consumer Portfolio Services, Inc.
CPSS Financial Credit Services
Consumer Portfolio Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $434.5 million, up 10.4% from fiscal 2024. In the quarter to June 2026, revenue grew 10.6%, EPS grew 31.8%, free cash flow grew 94.9% and total debt rose 18.1%, each against the same quarter a year earlier. Revenue growth for three consecutive years.
Follow CPSS
An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
Revenue |
434.47 | 393.51 | 352.01 | 329.71 | 267.81 | 271.16 | 345.80 | 389.78 | 434.38 | 422.28 |
Revenue Growth |
10.41% | 11.79% | 6.77% | 23.11% | (1.24%) | (21.58%) | (11.28%) | (10.27%) | 2.87% | 16.12% |
Gross Profit |
434.47 | 393.51 | 352.01 | 329.71 | 267.81 | 271.16 | 345.80 | 389.78 | 434.38 | 422.28 |
SG&A Expenses |
176.50 | 179.26 | 165.74 | 129.44 | 139.74 | 133.81 | 139.26 | 135.53 | 122.32 | 113.39 |
Operating Income |
257.09 | 213.38 | 185.43 | 175.62 | 126.40 | 135.57 | 205.46 | 253.25 | 311.13 | 308.11 |
Non-operating Income/Expense |
(229.09) | (185.95) | (124.33) | (59.42) | (60.65) | (115.45) | (196.30) | (234.55) | (279.06) | (258.45) |
Non-operating Interest Expenses |
232.02 | 191.26 | 146.63 | 87.52 | 75.24 | 101.34 | 110.53 | 101.47 | 92.35 | 79.94 |
| 28.00 | 27.43 | 61.10 | 116.19 | 65.75 | 20.12 | 9.16 | 18.70 | 32.07 | 49.66 | |
Income Tax Provision |
8.68 | 8.23 | 15.75 | 30.21 | 18.22 | (1.56) | 3.76 | 3.84 | 28.31 | 20.36 |
Income after Tax |
19.33 | 19.20 | 45.34 | 85.98 | 47.52 | 21.68 | 5.41 | 14.86 | 3.77 | 29.30 |
Dividends (Preferred) |
— | — | 0.00 | — | 0.00 | — | 0.00 | 0.00 | 0.00 | — |
Net Income Common |
19.33 | 19.20 | 45.34 | 85.98 | 47.52 | 21.68 | 5.41 | 14.86 | 3.77 | 29.30 |
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 |
Shares (Basic, Weighted) |
21.89 | 21.29 | 20.90 | 20.96 | 22.56 | 22.61 | 22.42 | 21.99 | 22.69 | 24.36 |
Shares (Diluted, Weighted) |
24.08 | 24.33 | 25.22 | 26.59 | 25.78 | 24.00 | 24.06 | 24.99 | 27.21 | 29.04 |
Gross Margin |
100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
EBIT Margin |
59.17% | 54.23% | 52.68% | 53.26% | 47.20% | 50.00% | 59.42% | 64.97% | 71.63% | 72.96% |
EBT margin |
6.45% | 6.97% | 17.36% | 35.24% | 24.55% | 7.42% | 2.65% | 4.80% | 7.38% | 11.76% |
Net Profit Margin |
4.45% | 4.88% | 12.88% | 26.08% | 17.75% | 7.99% | 1.56% | 3.81% | 0.87% | 6.94% |
Free Cash Flow Margin |
66.35% | 59.29% | 67.45% | 64.84% | 73.27% | 88.04% | 62.47% | 55.19% | 49.49% | 46.24% |
EBITDA |
270.55 | 224.82 | 195.97 | 185.44 | 135.84 | 146.60 | 216.58 | 265.35 | 322.11 | 317.28 |
EBIT |
257.09 | 213.38 | 185.43 | 175.62 | 126.40 | 135.57 | 205.46 | 253.25 | 311.13 | 308.11 |
Income from Continuous Operations |
19.33 | 19.20 | 45.34 | 85.98 | 47.52 | 21.68 | 5.41 | 14.86 | 3.77 | 29.30 |
Consolidated Net Income/Loss |
19.33 | 19.20 | 45.34 | 85.98 | 47.52 | 21.68 | 5.41 | 14.86 | 3.77 | 29.30 |
EPS (Basic, from Continuous Ops) |
0.88 | 0.90 | 2.17 | 4.10 | 2.11 | 0.96 | 0.24 | 0.68 | 0.17 | 1.20 |
EPS (Basic, Consolidated) |
0.88 | 0.90 | 2.17 | 4.10 | 2.11 | 0.96 | 0.24 | 0.68 | 0.17 | 1.20 |
EPS (Diluted, from Cont. Ops) |
0.80 | 0.79 | 1.80 | 3.23 | 1.84 | 0.90 | 0.22 | 0.59 | 0.14 | 1.01 |
Shares (Diluted, Average) |
24.08 | 24.33 | 25.22 | 26.59 | 25.78 | 24.00 | 24.06 | 24.99 | 27.21 | 29.04 |
EPS (Diluted, Consolidated) |
0.80 | 0.79 | 1.80 | 3.23 | 1.84 | 0.90 | 0.22 | 0.59 | 0.14 | 1.01 |
EBITDA Margin |
62.27% | 57.13% | 55.67% | 56.24% | 50.72% | 54.06% | 62.63% | 68.08% | 74.15% | 75.13% |
Operating Cash Flow Margin |
66.52% | 59.40% | 67.61% | 65.49% | 74.01% | 88.05% | 62.69% | 55.47% | 49.64% | 46.49% |