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Consumer Portfolio Services, Inc.(CPSS)Earnings, Financials & Key Ratios
CPSS•NASDAQ•Banking & Credit
$10.18
$225M mkt cap·12.9× P/E·Price updated May 6, 2026
AboutConsumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. The company also acquires installment purchase contracts in four merger and acquisition transactions; purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. and offers financing directly to sub-prime consumers to facilitate their purchase of a new or used automobile, light truck, or passenger van. It services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. The company was founded in 1991 and is based in Las Vegas, Nevada.Show more
- Net Interest Income$194M-0.5%
- Total Revenue$394M+11.8%
- Net Income$19M-57.6%
- Return on Equity6.77%-62.5%
- Net Interest Margin5.53%-17.4%
- Efficiency Ratio45.77%-3.3%
- ROA0.6%-62.6%
- Equity / Assets8.36%-11.5%
- Book Value per Share12.04+10.5%
- Tangible BV/Share12.04+10.5%
- Debt/Equity10.78+15.2%
CPSS Key Insights
Consumer Portfolio Services, Inc. (CPSS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 22.6%
- ✓Strong 5Y profit CAGR of 28.9%
- ✓Strong NIM of 5.5%
- ✓Efficient operations: 45.8% efficiency ratio
- ✓Share count reduced 3.5% through buybacks
- ✓Trading near 52-week high
✗Weaknesses
- ✗High debt to equity ratio of 10.8x
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CPSS Price & Volume
Consumer Portfolio Services, Inc. (CPSS) stock price & volume — 10-year historical chart
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CPSS Growth Metrics
Consumer Portfolio Services, Inc. (CPSS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years2.74%
5 Years2.62%
3 Years13.69%
TTM-
Profit CAGR
10 Years-4.21%
5 Years28.85%
3 Years-26.07%
TTM-8.27%
EPS CAGR
10 Years-1.51%
5 Years29.13%
3 Years-24.56%
TTM-8.05%
Return on Capital
10 Years2.01%
5 Years2.35%
3 Years2.62%
Last Year0.86%
CPSS Recent Earnings
Consumer Portfolio Services, Inc. (CPSS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (40%)●Beat Revenue 1/12 qtrs (10%)
Q2 2026Latest
Mar 10, 2026EPS
$0.21
Est $0.23
-8.7%
Revenue
$109M
Est $119M
-7.8%
Q4 2025
Nov 10, 2025EPS
$0.20
Est $0.25
-20.0%
Revenue
$108M
Est $111M
-2.0%
Q3 2025
Aug 11, 2025EPS
$0.20
Est $0.26
-23.1%
Revenue
$110M
Est $114M
-3.4%
Q2 2025
May 12, 2025EPS
$0.19
Est $0.30
-36.7%
Revenue
$107M
Est $110M
-2.8%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 10, 2026 | $0.21vs $0.23-8.7% | $109Mvs $119M-7.8% |
| Q4 2025 | Nov 10, 2025 | $0.20vs $0.25-20.0% | $108Mvs $111M-2.0% |
| Q3 2025 | Aug 11, 2025 | $0.20vs $0.26-23.1% | $110Mvs $114M-3.4% |
| Q2 2025 | May 12, 2025 | $0.19vs $0.30-36.7% | $107Mvs $110M-2.8% |
Based on last 12 quarters of dataView full earnings history →
CPSS Peer Comparison
Consumer Portfolio Services, Inc. (CPSS) competitors in Auto and Specialty Asset Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CAC | 833.7M | 49.11 | 12.79 | 26.79% | 9.78% | 0.92 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 OMF | 6.55B | 55.90 | 8.52 | 9.09% | 23.62% | 6.67 | ||
 ALLY | 13.67B | 44.30 | 18.69 | -25.75% | 5.5% | 1.40 | ||
 COF | 119.72B | 193.40 | 47.99 | 28.39% | 2.44% | 0.45 | ||
 SLM | 4.46B | 22.53 | 6.51 | 4.1% | 31.01% | 2.39 | ||
 NAVI | 820.53M | 8.73 | -10.78 | -23.74% | -2.45% | 19.05 | ||
 KMX | 5.64B | 39.43 | 12.28 | -0.02% | 1.67% | 7.55% | 3.11 |
Compare CPSS vs Peers
Consumer Portfolio Services, Inc. (CPSS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CPSS Income Statement
Consumer Portfolio Services, Inc. (CPSS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 329.06M | 331.83M | 278.83M | 226.57M | 164.12M | 186.61M | 233M | 194.59M | 193.71M | 198.87M |
| NII Growth % | 12.63% | 0.84% | -15.97% | -18.74% | -27.56% | 13.71% | 24.86% | -16.48% | -0.45% | 14.32% |
| Net Interest Margin % | 13.65% | 13.68% | 11.22% | 8.92% | 7.63% | 8.63% | 8.46% | 6.7% | 5.53% | 5.22% |
| Interest Income | 409M | 424.17M | 380.3M | 337.1M | 265.45M | 261.85M | 320.52M | 341.22M | 384.96M | 424.11M |
| Interest Expense | 79.94M | 92.34M | 101.47M | 110.53M | 101.34M | 75.24M | 87.52M | 146.63M | 191.26M | 225.24M |
| Loan Loss Provision | 178.51M | 186.71M | 133.08M | 85.77M | 14.11M | -14.59M | -28.1M | -22.3M | -5.31M | -3.2M |
| Non-Interest Income | 13.29M | 10.21M | 9.48M | 8.7M | 5.71M | 5.96M | 9.19M | 10.79M | 8.54M | 6.25M |
| Non-Interest Income % | 3.15% | 2.35% | 2.43% | 2.52% | 2.1% | 2.23% | 2.79% | 3.07% | 2.17% | 1.45% |
| Total Revenue | 422.28M▲ 0% | 434.38M▲ 2.9% | 389.77M▼ 10.3% | 345.8M▼ 11.3% | 271.16M▼ 21.6% | 267.81M▼ 1.2% | 329.71M▲ 23.1% | 352.01M▲ 6.8% | 393.51M▲ 11.8% | 430.36M▲ 0% |
| Revenue Growth % | 16.12% | 2.87% | -10.27% | -11.28% | -21.58% | -1.24% | 23.11% | 6.77% | 11.79% | 53.26% |
| Non-Interest Expense | 114.17M | 123.25M | 136.53M | 140.34M | 135.59M | 141.42M | 154.09M | 166.59M | 180.13M | 180.18M |
| Efficiency Ratio | 27.04% | 28.37% | 35.03% | 40.58% | 50% | 52.8% | 46.74% | 47.32% | 45.77% | 41.87% |
| Operating Income | 49.66M▲ 0% | 32.07M▼ 35.4% | 18.7M▼ 41.7% | 9.16M▼ 51.0% | 20.12M▲ 119.6% | 65.75M▲ 226.8% | 116.19M▲ 76.7% | 61.1M▼ 47.4% | 27.43M▼ 55.1% | 28.14M▲ 0% |
| Operating Margin % | 11.76% | 7.38% | 4.8% | 2.65% | 7.42% | 24.55% | 35.24% | 17.36% | 6.97% | 6.54% |
| Operating Income Growth % | -19.1% | -35.42% | -41.68% | -51.01% | 119.6% | 226.77% | 76.73% | -47.42% | -55.1% | - |
| Pretax Income | 49.66M▲ 0% | 32.07M▼ 35.4% | 18.7M▼ 41.7% | 9.16M▼ 51.0% | 20.12M▲ 119.6% | 65.75M▲ 226.8% | 116.19M▲ 76.7% | 61.1M▼ 47.4% | 27.43M▼ 55.1% | 28.14M▲ 0% |
| Pretax Margin % | 11.76% | 7.38% | 4.8% | 2.65% | 7.42% | 24.55% | 35.24% | 17.36% | 6.97% | 6.54% |
| Income Tax | 20.36M | 28.31M | 3.84M | 3.76M | -1.56M | 18.22M | 30.21M | 15.75M | 8.23M | 8.65M |
| Effective Tax Rate % | 41% | 88.26% | 20.54% | 41% | -7.74% | 27.72% | 26% | 25.79% | 30% | 30.74% |
| Net Income | 29.3M▲ 0% | 3.77M▼ 87.2% | 14.86M▲ 294.7% | 5.41M▼ 63.6% | 21.68M▲ 301.0% | 47.52M▲ 119.2% | 85.98M▲ 80.9% | 45.34M▼ 47.3% | 19.2M▼ 57.6% | 19.49M▲ 0% |
| Net Margin % | 6.94% | 0.87% | 3.81% | 1.56% | 7.99% | 17.75% | 26.08% | 12.88% | 4.88% | 4.53% |
| Net Income Growth % | -15.52% | -87.15% | 294.74% | -63.63% | 300.98% | 119.24% | 80.93% | -47.27% | -57.65% | -8.27% |
| Net Income (Continuing) | 29.3M | 3.77M | 14.86M | 5.41M | 21.68M | 47.52M | 85.98M | 45.34M | 19.2M | 19.49M |
| EPS (Diluted) | 1.01▲ 0% | 0.14▼ 86.1% | 0.59▲ 321.4% | 0.22▼ 62.7% | 0.90▲ 309.1% | 1.84▲ 104.4% | 3.23▲ 75.5% | 1.80▼ 44.3% | 0.79▼ 56.1% | 0.81▲ 0% |
| EPS Growth % | -8.18% | -86.14% | 321.43% | -62.71% | 309.09% | 104.44% | 75.54% | -44.27% | -56.11% | -8.05% |
| EPS (Basic) | 1.20 | 0.17 | 0.68 | 0.24 | 0.96 | 2.11 | 4.10 | 2.17 | 0.90 | - |
| Diluted Shares Outstanding | 29.04M | 27.21M | 24.99M | 24.06M | 24M | 25.78M | 26.59M | 25.22M | 24.32M | 24.05M |
CPSS Balance Sheet
Consumer Portfolio Services, Inc. (CPSS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 13.94M | 12.73M | 12.79M | 5.29M | 144.15M | 176.55M | 162.79M | 125.43M | 137.4M | 479.3M |
| Cash & Due from Banks | 13.94M | 12.73M | 12.79M | 5.29M | 144.15M | 176.55M | 162.79M | 125.43M | 137.4M | 151.89M |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 2.17B | 2.2B | 2.28B | 2.33B | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments Growth % | 13.77% | 1.08% | 3.64% | 2.38% | -100% | - | - | - | - | 0% |
| Long-Term Investments | 2.17B | 2.2B | 2.28B | 2.33B | 0 | 0 | 0 | 0 | 0 | 3.45B |
| Accounts Receivables | 36.23M | 46.75M | 31.97M | 11.64M | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PP&E (Net) | 2.02M | 1.75M | 1.84M | 1.51M | 11.77M | 9.32M | 7.44M | 4.3M | 20.39M | 17.6M |
| Other Assets | 143.01M | 135.36M | 144.12M | 175.39M | -44.12M | -32.73M | -20.38M | -10.41M | -28.97M | -17.6M |
| Total Current Assets | 50.17M | 59.48M | 44.76M | 16.94M | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Non-Current Assets | 2.36B | 2.37B | 2.44B | 2.52B | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Assets | 2.41B▲ 0% | 2.42B▲ 0.6% | 2.49B▲ 2.5% | 2.54B▲ 2.2% | 2.15B▼ 15.3% | 2.16B▲ 0.6% | 2.76B▲ 27.4% | 2.91B▲ 5.5% | 3.5B▲ 20.5% | 3.81B▲ 0% |
| Asset Growth % | 13.22% | 0.6% | 2.51% | 2.16% | -15.34% | 0.64% | 27.37% | 5.47% | 20.48% | 67.22% |
| Return on Assets (ROA) | 1.29% | 0.16% | 0.61% | 0.22% | 0.92% | 2.2% | 3.5% | 1.6% | 0.6% | 0.53% |
| Accounts Payable | 24.98M | 28.71M | 31.69M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 2.2B | 2.21B | 2.26B | 2.29B | 1.98B | 1.95B | 2.48B | 2.57B | 3.16B | 3.46B |
| Net Debt | 2.19B | 2.2B | 2.24B | 2.28B | 1.84B | 1.78B | 2.31B | 2.45B | 3.02B | 3.31B |
| Long-Term Debt | 2.1B | 2.1B | 2.12B | 2.15B | 1.94B | 1.91B | 2.46B | 2.56B | 3.12B | 3.44B |
| Short-Term Debt | 103.36M | 112.41M | 136.85M | 134.79M | 39.72M | 41.85M | 18.32M | 7.2M | 13.81M | 990K |
| Other Liabilities | 0 | 0 | 0 | 47.08M | -1.95B | -1.92B | -2.46B | -2.57B | -3.15B | -3.46B |
| Total Current Liabilities | 128.34M | 141.12M | 168.54M | 134.79M | 0 | 0 | 65.19M | 0 | 0 | 46.16M |
| Total Non-Current Liabilities | 2.1B | 2.1B | 2.12B | 2.2B | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Liabilities | 2.22B | 2.24B | 2.29B | 2.34B | 2.02B | 1.99B | 2.53B | 2.63B | 3.21B | 3.5B |
| Total Equity | 186.22M▲ 0% | 183.94M▼ 1.2% | 197.12M▲ 7.2% | 202.64M▲ 2.8% | 133.36M▼ 34.2% | 170.21M▲ 27.6% | 228.39M▲ 34.2% | 274.67M▲ 20.3% | 292.77M▲ 6.6% | 307.56M▲ 0% |
| Equity Growth % | 15.55% | -1.22% | 7.17% | 2.8% | -34.19% | 27.63% | 34.18% | 20.26% | 6.59% | 29.53% |
| Equity / Assets (Capital Ratio) | 7.73% | 7.59% | 7.93% | 7.98% | 6.2% | 7.87% | 8.29% | 9.45% | 8.36% | 8.07% |
| Return on Equity (ROE) | 16.87% | 2.03% | 7.8% | 2.7% | 12.9% | 31.31% | 43.14% | 18.03% | 6.77% | 6.49% |
| Book Value per Share | 6.41 | 6.76 | 7.89 | 8.42 | 5.56 | 6.60 | 8.59 | 10.89 | 12.04 | 12.79 |
| Tangible BV per Share | 6.41 | 6.76 | 7.89 | 8.42 | 5.56 | 6.60 | 8.59 | 10.89 | 12.04 | 12.79 |
| Common Stock | 77.13M | 71.58M | 70.27M | 71.26M | 72.93M | 55.3M | 28.91M | 28.68M | 25.72M | 26.17M |
| Additional Paid-in Capital | 77.13M | 71.58M | 70.27M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 115.77M | 119.54M | 134.4M | 139.81M | 69.01M | 116.53M | 202.51M | 247.86M | 267.06M | 281.4M |
| Accumulated OCI | -83.81M | -78.76M | -77.83M | -8.42M | -8.57M | -1.62M | -3.03M | -1.87M | -10K | -10K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CPSS Cash Flow Statement
Consumer Portfolio Services, Inc. (CPSS) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 196.33M | 215.65M | 216.21M | 216.78M | 238.77M | 198.19M | 215.93M | 237.98M | 233.75M | 233.75M |
| Operating CF Growth % | 4.68% | 9.84% | 0.26% | 0.27% | 10.14% | -16.99% | 8.95% | 10.21% | -1.78% | 108.97% |
| Net Income | 29.3M | 3.77M | 14.86M | 5.41M | 21.68M | 47.52M | 85.98M | 45.34M | 19.2M | 19.49M |
| Depreciation & Amortization | 777K | 934K | 992K | 1.08M | 1.78M | 1.68M | 1.62M | 847K | 862K | 917K |
| Deferred Taxes | 0 | 0 | 0 | 91.94M | 0 | 0 | 9.4M | 6.44M | 2.73M | 0 |
| Other Non-Cash Items | 183.94M | 196.76M | 170.35M | 92.14M | 186.65M | 131.61M | 90.57M | 168.93M | 208.57M | 251.68M |
| Working Capital Changes | -23.24M | 8.48M | 26.49M | 24.14M | 26.72M | 15.38M | 23.93M | 12.95M | -564K | 7.43M |
| Cash from Investing | -437.8M | -210.63M | -242.19M | -229.35M | 93.03M | -115.36M | -713.9M | -359.53M | -769.71M | -725.13M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Sale/Maturity of Investments | 0 | 0 | 0 | 1000K | 0 | 0 | 1000K | 1000K | 0 | 1000K |
| Net Investment Activity | 0 | 0 | 0 | 1000K | 0 | 0 | 1000K | 1000K | 0 | 1000K |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -436.72M | -209.96M | -241.12M | -709.89M | 93.06M | -113.38M | -845.48M | -427.14M | -769.71M | -727.56M |
| Cash from Financing | 242.78M | -7.02M | 31.4M | 23.29M | -328.48M | -50.44M | 484.21M | 84.19M | 547.92M | 316.73M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -10.47M | -12.35M | -5.31M | -1.44M | -1.22M | -25.68M | -46.1M | -20.27M | -12.83M | -6.12M |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 337K |
| Net Stock Activity | -10.47M | -12.35M | -5.31M | -1.44M | -1.22M | -25.68M | -46.1M | -20.27M | -12.83M | -5.78M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | -1000K | -1000K | 1000K | 1000K | 1000K | 4M |
| Other Financing | -8.66M | -7.02M | -7.56M | -8.57M | -4.91M | -1.76M | 2.98M | 8.69M | -8.96M | 6K |
| Net Change in Cash | 1.31M▲ 0% | -1.99M▼ 251.8% | 5.41M▲ 371.5% | 10.72M▲ 98.0% | 3.32M▼ 69.0% | 32.4M▲ 875.8% | -13.76M▼ 142.5% | -37.36M▼ 171.5% | 11.97M▲ 132.0% | -127.16M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 125.38M | 126.69M | 124.7M | 130.11M | 140.83M | 144.15M | 176.55M | 162.79M | 125.43M | 160.17M |
| Cash at End | 126.69M | 124.7M | 130.11M | 140.83M | 144.15M | 176.55M | 162.79M | 125.43M | 137.4M | 151.89M |
| Interest Paid | 71.08M | 83.11M | 92.41M | 0 | 93.57M | 69.48M | 76.7M | 135.2M | 177.95M | 159.6M |
| Income Taxes Paid | 32.91M | 9.32M | 417K | 0 | 0 | 14.25M | 16.18M | 3.55M | 11.8M | 3.67M |
| Free Cash Flow | 195.25M▲ 0% | 214.98M▲ 10.1% | 215.13M▲ 0.1% | 216.03M▲ 0.4% | 238.74M▲ 10.5% | 196.22M▼ 17.8% | 213.78M▲ 9.0% | 237.42M▲ 11.1% | 233.32M▼ 1.7% | 281.05M▲ 0% |
| FCF Growth % | 4.77% | 10.1% | 0.07% | 0.42% | 10.51% | -17.81% | 8.95% | 11.06% | -1.73% | 27.07% |
CPSS Banking Ratios
Consumer Portfolio Services, Inc. (CPSS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 16.87% | 2.03% | 7.8% | 2.7% | 12.9% | 31.31% | 43.14% | 18.03% | 6.77% | 6.49% |
| Return on Assets (ROA) | 1.29% | 0.16% | 0.61% | 0.22% | 0.92% | 2.2% | 3.5% | 1.6% | 0.6% | 0.53% |
| Net Interest Margin | 13.65% | 13.68% | 11.22% | 8.92% | 7.63% | 8.63% | 8.46% | 6.7% | 5.53% | 5.22% |
| Efficiency Ratio | 27.04% | 28.37% | 35.03% | 40.58% | 50% | 52.8% | 46.74% | 47.32% | 45.77% | 41.87% |
| Equity / Assets | 7.73% | 7.59% | 7.93% | 7.98% | 6.2% | 7.87% | 8.29% | 9.45% | 8.36% | 8.07% |
| Book Value / Share | 6.41 | 6.76 | 7.89 | 8.42 | 5.56 | 6.6 | 8.59 | 10.89 | 12.04 | 12.79 |
| NII Growth | 12.63% | 0.84% | -15.97% | -18.74% | -27.56% | 13.71% | 24.86% | -16.48% | -0.45% | 3.54% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
CPSS SEC Filings & Documents
Consumer Portfolio Services, Inc. (CPSS) SEC filings — annual & quarterly reports (10-K, 10-Q)
CPSS Frequently Asked Questions
Consumer Portfolio Services, Inc. (CPSS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Consumer Portfolio Services, Inc. (CPSS) grew revenue by 11.8% over the past year. This is steady growth.
Yes, Consumer Portfolio Services, Inc. (CPSS) is profitable, generating $19.5M in net income for fiscal year 2024 (4.9% net margin).
Dividend & Returns
Consumer Portfolio Services, Inc. (CPSS) has a return on equity (ROE) of 6.8%. This is below average, suggesting room for improvement.
Industry Metrics
Consumer Portfolio Services, Inc. (CPSS) has a net interest margin (NIM) of 5.5%. This indicates healthy earnings from lending activities.
Consumer Portfolio Services, Inc. (CPSS) has an efficiency ratio of 45.8%. This is excellent, indicating strong cost control.
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Consumer Portfolio Services, Inc. (CPSS) financial analysis — history, returns, DCA and operating performance tools
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Valuation
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