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

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.

9.11 0.06 −0.65%
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%) (below 0%: weak)
This Y EPS Growth 48.10% (at or above 15%: strong)
Next Y EPS Growth 109.40% (at or above 15%: strong)
Next Y revenue growth 10.89% (at or above 10%: strong)
Next 5Y EPS Growth (6.27%) (below 0%: weak)

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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

Consumer Portfolio Services, Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

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.

Source: company filings (standardised) and stockrow calculations.

Consumer Portfolio Services, Inc. (CPSS) Latest News

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stockrow.com/CPSS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com