Saturday 17 October 2026 Export CPSS’s income statement to Excel — free account

Consumer Portfolio Services, Inc.

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.

9.11 0.06 −0.65%

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Market cap: $200.9M
P/E: 9.2×
Fwd P/E: 6.8×
Dividend yield: —
F-score: 4/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 2.39

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	1	—	—	1	—	—	1	—	3	1	—

Insider Ownership 59.55%

Capital & Financial Ratios $m

Market Cap 200.87

Revenue 451.56

Net Income 21.61

Free Cash Flow 349.46

Net Debt 3,828.07

Current Ratio 5.67

Debt/Equity 12.56

P/E ratio 9.20

Fwd P/E 6.82

P/S ratio 0.44

P/B ratio 0.62

Past 5Y EPS Growth (2.33%)

This Y EPS Growth 48.10%

Next Y EPS Growth 109.40%

Next Y revenue growth 10.89%

Next 5Y EPS Growth (6.27%)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 75.82%

10-year low 10-year high

P/S against its own 10 years 58.46%

10-year low 10-year high

P/B against its own 10 years 45.60%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2023	Powerpack
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	125	137	172	180
Receivables	2,747	3,319	3,656	4,212
Inventory	—	—	—	—
Other	—	—	—	—
	2,873	3,456	3,829	4,392

	2023	2024	2025	Q'26
Payables	63	70	65	95
ST’ Debt	234	411	325	680
Other	—	—	—	—
	297	481	390	775

Compound Annual Growth %

	10y	5y	3y
Sales	1.80%	9.89%	9.63%
Cash Flow	4.42%	3.89%	10.20%
Earnings	(5.68%)	(2.27%)	(39.20%)
Book Value	6.74%	18.34%	10.67%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	112	121	—	—	—
’25	107	110	108	109	434
’24	92	96	101	105	394
’23	83	85	92	92	352
’22	74	82	90	83	330
’21	63	67	69	69	268
’20	71	67	71	62	271

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	84	106	—	—	—
’25	74	54	85	76	289
’24	53	43	70	68	234
’23	65	56	61	56	238
’22	68	51	45	51	216
’21	65	47	51	35	198
’20	64	65	61	48	239

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	83	106	—	—	—
’25	73	54	85	76	288
’24	53	43	70	68	233
’23	65	55	61	56	237
’22	68	51	44	51	214
’21	65	46	50	35	196
’20	64	65	61	49	239

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.24	0.27	—	—	—
’25	0.19	0.20	0.20	0.21	0.80
’24	0.19	0.19	0.20	0.21	0.79
’23	0.54	0.55	0.41	0.29	1.80
’22	0.75	0.91	0.95	0.59	3.23
’21	0.21	0.39	0.52	0.71	1.84
’20	0.45	0.13	0.16	0.17	0.90

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	3.31	3.66	2.99	3.01	1.00	3.80	4.64	7.82	7.03	6.67	Analyst estimates 2026–2028 Powerpack
	High	6.05	5.69	4.69	4.65	5.12	12.00	15.47	13.75	12.04	12.73
People
People	Employees	960	999	1,032	1,010	787	739	792	890	933	928
	Revenue/emp, $m	0.44	0.43	0.38	0.34	0.34	0.36	0.42	0.40	0.42	0.47
Income, $m
Income, $m	Revenue	422	434	390	346	271	268	330	352	394	434
	Gross margin, %	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00
	EBT	50	32	19	9	20	66	116	61	27	28
	EBT margin, %	11.76	7.38	4.80	2.65	7.42	24.55	35.24	17.36	6.97	6.45
	Net income	29	4	15	5	22	48	86	45	19	19
	Depreciation	9	11	12	11	11	9	10	11	11	13
Per share, $
Per share, $	Revenue	17.34	19.15	17.73	15.43	11.99	11.87	15.73	16.85	18.48	19.85
	Earnings	1.20	0.17	0.68	0.24	0.96	2.11	4.10	2.17	0.90	0.88
	Cash flow	8.06	9.51	9.83	9.67	10.56	8.78	10.30	11.39	10.98	13.20
	Capex	(0.04)	(0.03)	(0.05)	(0.03)	0.00	(0.09)	(0.10)	(0.03)	(0.02)	(0.03)
	Free cash flow	8.02	9.48	9.78	9.64	10.56	8.70	10.20	11.36	10.96	13.17
	Book value	7.65	8.11	8.96	9.04	5.90	7.54	10.90	13.14	13.75	14.14
	Shares, m	24	23	22	22	23	23	21	21	21	22
Valuation, ×
Valuation, ×	P/E	4.22	29.79	4.43	14.04	4.42	5.56	2.11	4.17	12.07	10.48
	P/S	0.29	0.22	0.17	0.22	0.35	1.00	0.55	0.54	0.59	0.47
	P/B	0.67	0.51	0.34	0.37	0.72	1.57	0.79	0.69	0.79	0.66
	EV/Sales	5.20	5.02	5.63	6.43	7.08	7.60	7.54	7.47	8.20	8.09
	EV/FCF	11.25	10.15	10.19	10.30	8.05	10.38	11.63	11.08	13.82	12.19
Cash, $m
Cash, $m	Operating cash flow	196	216	216	217	239	198	216	238	234	289
	Capex	(1)	(1)	(1)	(1)	0	(2)	(2)	(1)	0	(1)
	Free cash flow	195	215	215	216	239	196	214	237	233	288
Balance, $m
Balance, $m	Working capital	2,171	2,179	2,237	2,289	1,917	1,953	2,369	2,576	2,975	3,438
	Total debt	2,199	2,212	2,257	2,290	1,969	1,946	2,469	2,567	3,131	3,483
	Net debt	2,073	2,087	2,127	2,149	1,825	1,769	2,306	2,441	2,994	3,311
	Shareholders’ equity	186	184	197	203	133	170	228	275	293	310
Returns, %
Returns, %	ROA	1.29	0.16	0.61	0.22	0.93	2.21	3.50	1.60	0.60	0.53
	ROIC	8.53	8.56	6.81	5.46	4.33	4.07	4.33	4.27	4.06	4.44
	ROE	16.87	2.03	7.80	2.70	12.90	31.31	43.14	18.03	6.77	6.42

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
RM Regional Management Corp.	$318.0M	6.8×	6.4×	+6.71% (above 0%: growing)	−14.95% (below 0%: shrinking)	+1.86% (above 0%: growing)	100.00%	19.97%	Compare
PMTS CPI Card Group Inc.	$297.9M	20.7×	9.0×	+14.97% (above 0%: growing)	+260.00% (above 0%: growing)	+4,762.29% (above 0%: growing)	32.50%	7.95%	Compare
FOA Finance of America Companies Inc.	$279.1M	— (loss-making)	— (loss-making)	−64.77% (below 0%: shrinking)	n/m	−89.96% (below 0%: shrinking)	100.00%	(69.79%)	Compare
MFIN Medallion Financial Corp.	$256.9M	8.0×	8.6×	+2.54% (above 0%: growing)	−34.69% (below 0%: shrinking)	+176.13% (above 0%: growing)	69.47%	0.00%	Compare
CPSS Consumer Portfolio Services, Inc.	$200.9M	9.2×	6.8×	+10.59% (above 0%: growing)	+31.82% (above 0%: growing)	+94.93% (above 0%: growing)	100.00%	60.37%
HTT High Templar Tech Limited - Sponsored ADR	$199.4M	3.5×	— (loss-making)	−90.80% (below 0%: shrinking)	n/m	+347.70% (above 0%: growing)	20.72%	(2,664.81%)	Compare
TROO TROOPS, Inc.	$196.7M	— (loss-making)	—	+10.79% (above 0%: growing)	+101.54% (above 0%: growing)	−94.20% (below 0%: shrinking)	23.83%	0.00%	Compare
XYF X Financial Sponsored ADR	$116.8M	2.3×	—	−53.85% (below 0%: shrinking)	−89.20% (below 0%: shrinking)	+194.87% (above 0%: growing)	57.63%	19.62%	Compare
SUIG Sui Group Holdings Limited	$104.5M	— (loss-making)	— (loss-making)	−61.71% (below 0%: shrinking)	n/m	−651.07% (below 0%: shrinking)	100.00%	(5,439.12%)	Compare
Median of peers	$228.2M	6.8×	8.6×	−25.65%	−14.95%	+89.00%	63.55%	0.00%

All 55 Credit Services stocks →

Consumer Portfolio Services, Inc. (CPSS) key facts

Strength: Consumer Portfolio Services, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $434.5 million, up 10.4% from fiscal 2024.
Strength: Net income was $19.3 million, or $0.88 per share (basic), a net margin of 4.45%.
Consumer Portfolio Services, Inc. (CPSS) is a Credit Services company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, CPSS traded at $9.11, a market capitalization of $200.9 million.
At that price the stock trades at 9.2× trailing-twelve-month earnings and 0.4× sales; its P/E is higher than 76% of its own readings over the past ten years.
Return on equity was 6.42% and debt-to-equity 12.56.
Its Piotroski F-score is 4 out of 9 for fiscal 2025.