CONSUMER PORTFOLIO SERVICES, INC.
CONSUMER PORTFOLIO SERVICES, INC.
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 8 | 7 | 6 | 9 | 16 | 30 | 12 | 8 | 10 | 13 | 6 | 8 | |||||
Restricted Cash And Cash Equivalents | 173 | 178 | 166 | 143 | 144 | 154 | 126 | 271 | 257 | 138 | 119 | 134 | |||||
Loans Receivable Fair Value Disclosure | 4,212 | 3,836 | 3,656 | 3,625 | 3,559 | 3,449 | 3,314 | 3,132 | 2,960 | 2,791 | 2,723 | 2,672 | |||||
Notes And Loans Receivable Net Current | - | - | 1 | 1 | 2 | 3 | 5 | 8 | 12 | 17 | 25 | 34 | |||||
Notes And Loans Receivable Gross Current | - | - | 1 | - | - | 3 | 5 | 8 | 13 | 19 | 28 | 38 | |||||
Financing Receivable Allowance For Credit Losses | - | - | - | - | - | -0 | -0 | -0 | -1 | -2 | -3 | -4 | |||||
Property Plant And Equipment Net | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Deferred Income Tax Assets Net | - | 0 | 0 | - | - | 1 | 1 | 2 | 2 | 3 | 4 | 6 | |||||
Other Assets Noncurrent | 29 | 30 | 29 | 31 | 42 | 36 | 36 | 41 | 44 | 43 | 26 | 26 | |||||
Assets | 4,422 | 4,053 | 3,858 | 3,810 | 3,764 | 3,674 | 3,494 | 3,463 | 3,287 | 3,007 | 2,904 | 2,881 | |||||
Liabilities And Stockhold… | |||||||||||||||||
Liabilities | |||||||||||||||||
Accounts Payable And Accrued Liabilities Current | 95 | 70 | 65 | 67 | 68 | 75 | 70 | 73 | 66 | 79 | 63 | 62 | |||||
Warehouse Agreement Borrowings | 680 | 467 | 325 | 341 | 396 | 366 | 411 | 106 | 82 | 250 | 234 | 240 | |||||
Principal Amount Outstanding On Loans Securitized | 3,131 | 2,992 | 2,987 | 2,916 | 2,813 | 2,743 | 2,594 | 2,876 | 2,736 | 2,278 | 2,265 | 2,243 | |||||
Subordinated Debt | 28 | 28 | 29 | 29 | 29 | 28 | 26 | 24 | 22 | 22 | 17 | 19 | |||||
Liabilities | 4,103 | 3,738 | 3,549 | 3,502 | 3,461 | 3,375 | 3,201 | 3,178 | 3,006 | 2,727 | 2,629 | 2,615 | |||||
Common Stock Value | 22 | 24 | 24 | 26 | 27 | 27 | 26 | 25 | 25 | 29 | 29 | 28 | |||||
Retained Earnings Accumulated Deficit | 298 | 292 | 286 | 281 | 277 | 272 | 267 | 262 | 257 | 252 | 248 | 241 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -1 | -1 | -1 | -0 | -0 | -0 | -0 | -2 | -2 | -2 | -2 | -3 | |||||
Stockholders Equity | 319 | 314 | 310 | 308 | 303 | 298 | 293 | 285 | 280 | 279 | 275 | 266 | |||||
Liabilities And Stockholders Equity | 4,422 | 4,053 | 3,858 | 3,810 | 3,764 | 3,674 | 3,494 | 3,463 | 3,287 | 3,007 | 2,904 | 2,881 | |||||
Preferred Stock Par Or Stated Value Per Share | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Authorized | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock No Par Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Shares Authorized | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | 75 | |||||
Common Stock Shares Issued | 22 | 22 | 22 | 22 | 22 | 22 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
Shares Outstanding | 22 | 22 | 22 | 22 | 22 | 22 | 21 | 21 | 21 | 21 | 21 | 21 | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.05% | -1.67% | -7.08% | - | - | - | - | - | - | - | - | - |
| 2025 | -0.52% | 4.27% | -16.46% | -5.84% | -6.08% | 2.19% | -0.81% | 5.77% | -0.46% | 3.26% | 27.44% | 18.17% |
| 2024 | 0.85% | 19.37% | 21.80% | -3.40% | 10.54% | 15.22% | -6.50% | -4.96% | 5.78% | 1.40% | -2.16% | -2.37% |
| 2023 | - | - | - | -17.09% | -20.09% | -17.27% | -5.67% | -3.40% | -6.08% | -1.98% | 10.41% | 2.60% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | - | - | - | - | - | - | 1.65 | 1.36 | 1.31 | 1.32 | 1.42 | 1.32 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 0.92 | 0.86 | 0.80 | 0.81 | 0.80 | 0.79 | 0.79 | 0.88 | 1.11 | 1.47 | 1.80 | 1.04 | |||||
| Free Cash Flow Per Share TTM | 16.15 | 13.68 | 13.17 | 12.63 | 12.12 | 11.85 | 10.96 | 10.36 | 10.00 | 10.64 | 11.36 | 10.99 | |||||
| Dividend Per Share TTM | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 46.25% | 46.09% | 46.60% | 47.66% | 48.83% | 50.03% | 51.40% | 44.30% | 46.30% | 47.71% | 49.04% | 60.58% | |||||
| Operating Profit Margin TTM | 6.93% | 6.64% | 6.45% | 6.54% | 6.62% | 6.77% | 6.97% | 7.87% | 10.03% | 13.65% | 17.36% | 20.28% | |||||
| Net Profit Margin TTM | 4.79% | 4.58% | 4.45% | 4.53% | 4.60% | 4.72% | 4.88% | 5.59% | 7.22% | 10.01% | 12.88% | 7.65% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 6.87% | 7.66% | 10.41% | 13.20% | 13.68% | 13.30% | 11.79% | 10.82% | 8.91% | 6.56% | 6.77% | 8.54% | |||||
| Net Income Growth (1Y) | 11.19% | 4.47% | 0.64% | -8.27% | -27.57% | -46.53% | -57.65% | -19.07% | -46.57% | -48.76% | -47.27% | -79.01% | |||||
| EPS Growth (1Y) | 12.53% | 2.87% | -2.11% | -11.84% | -29.65% | -47.28% | -58.44% | -19.79% | -47.57% | -50.52% | -47.11% | -79.25% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 9.61 | 8.35 | 10.57 | 8.60 | 11.07 | 9.63 | 12.04 | 9.42 | 7.77 | 4.43 | 4.32 | 7.31 | |||||
| P/B TTM | 0.65 | 0.54 | 0.66 | 0.55 | 0.71 | 0.62 | 0.79 | 0.70 | 0.74 | 0.57 | 0.71 | 0.72 | |||||
| P/S TTM | 0.46 | 0.38 | 0.47 | 0.39 | 0.51 | 0.45 | 0.59 | 0.53 | 0.56 | 0.44 | 0.56 | 0.56 | |||||
| Market Cap | 207.68M | 168.34M | 204.22M | 167.68M | 215.21M | 185.92M | 231.23M | 200.20M | 208.38M | 159.84M | 195.80M | 191.87M | |||||
| Enterprise Value | 27.47M | -17.08M | 32.02M | 15.78M | 55.04M | 2.44M | 93.83M | -78.85M | -58.23M | 8.89M | 70.36M | 49.77M | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 349.46M | 297.88M | 288.29M | 280.53M | 265.32M | 254.13M | 233.32M | 221.18M | 212.57M | 224.91M | 237.42M | 232.46M | |||||
| Net Debt | -180.20M | -185.41M | -172.21M | -151.89M | -160.17M | -183.48M | -137.40M | -279.05M | -266.61M | -150.96M | -125.43M | -142.09M | |||||
Per-Share and Margin | |||||||||||||||||
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| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
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| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
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| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
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| Altman C | |||||||||||||||||
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| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
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| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
| NCAV Per Share TTM | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) — SEC Financial Statements & Analysis
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) is a finance services company, incorporated in CA. CONSUMER PORTFOLIO SERVICES, INC. trades on Nasdaq as: CPSS. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CONSUMER PORTFOLIO SERVICES, INC. reported a 6.87% year-over-year revenue growth, a Gross Profit Margin of 46.25% (TTM), a Price-to-Sales (P/S) ratio of 0.46x (TTM), a Price-to-Book (P/B) ratio of 0.65x (TTM), at a market cap of $207.68M. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 6.87%
- Gross Profit Margin TTM
- 46.25%
- P/S TTM
- 0.46x
- P/B TTM
- 0.65x
- Market Cap
- $207.68M
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CONSUMER PORTFOLIO SERVICES, INC. in?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) operates in the Finance Services industry.
What is CPSS's market cap?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has a market capitalization of $207.68M as of 2026-06-30.
What is CPSS's P/E ratio?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s trailing twelve month P/E ratio is 9.61x as of 2026-06-30.
What exchange does CPSS trade on?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) trades on the Nasdaq.
Where is CONSUMER PORTFOLIO SERVICES, INC. incorporated?
CONSUMER PORTFOLIO SERVICES, INC. is incorporated in CA.