Consumer Portfolio Services, Inc. (CPSS) Earnings History
Earnings Pressure30 years of earnings data (1996–2025) · 5-year EPS trend is negative
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Consumer Portfolio Services, Inc. (CPSS) Earnings Overview
As of June 22, 2026, Consumer Portfolio Services, Inc. (CPSS) reported trailing twelve-month net income of $20M, reflecting +1.3% year-over-year growth. The company earned $0.86 per diluted share over the past four quarters, with a net profit margin of 4.5%.
Looking at the long-term picture, CPSS's 5-year EPS compound annual growth rate (CAGR) stands at -2.3%, signaling declining earnings. The company achieved its highest annual net income of $86M in fiscal 2022.
Consumer Portfolio Services, Inc. maintains positive profitability with a gross margin of 99.6%, operating margin of 60.8%, and net margin of 4.5%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CAC ($65M net income, 17.7% margin), CACC ($453M net income, 18.3% margin), OMF ($796M net income, 12.5% margin), CPSS has room to improve margins relative to the peer group. Compare CPSS vs CAC →
CPSS Earnings vs Peers
Earnings metrics vs comparable public companies
CPSS Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $19M | +0.6% | $260M | $0.80 | 4.5% | 60.8% |
| 2024 | $19M | -57.6% | $27M | $0.79 | 4.9% | 7.0% |
| 2023 | $45M | -47.3% | $61M | $1.80 | 12.9% | 17.4% |
| 2022 | $86M | +80.9% | $116M | $3.23 | 26.1% | 35.2% |
| 2021 | $48M | +119.2% | $66M | $1.84 | 17.7% | 24.5% |
| 2020 | $22M | +301.0% | $20M | $0.90 | 8.0% | 7.4% |
| 2019 | $5M | -63.6% | $9M | $0.22 | 1.6% | 2.6% |
| 2018 | $15M | +294.7% | $19M | $0.59 | 3.8% | 4.8% |
| 2017 | $4M | -87.2% | $32M | $0.14 | 0.9% | 7.4% |
| 2016 | $29M | -15.5% | $50M | $1.01 | 6.9% | 11.8% |
| 2015 | $35M | +17.5% | $61M | $1.10 | 9.5% | 16.9% |
| 2014 | $30M | +40.5% | $52M | $0.92 | 9.8% | 17.4% |
| 2013 | $21M | -69.7% | $37M | $0.67 | 8.6% | 15.2% |
| 2012 | $69M | +580.0% | $9M | $2.72 | 37.1% | 4.9% |
| 2011 | -$14M | +56.4% | -$14M | $-0.76 | -10.1% | -10.1% |
| 2010 | -$33M | +42.0% | -$16M | $-1.90 | -21.4% | -10.4% |
| 2009 | -$57M | -119.3% | -$49M | $-3.07 | -25.6% | -22.1% |
| 2008 | -$26M | -288.3% | -$43M | $-1.36 | -7.1% | -11.8% |
| 2007 | $14M | -65.0% | $24M | $0.61 | 3.5% | 6.1% |
| 2006 | $40M | +1073.0% | $13M | $1.64 | 14.2% | 4.7% |
| 2005 | $3M | +121.2% | $3M | $0.14 | 1.7% | 1.7% |
| 2004 | -$16M | -4122.3% | -$16M | $-0.75 | -12.1% | -12.1% |
| 2003 | $395,000 | -98.1% | -$3M | $0.02 | 0.4% | -2.9% |
| 2002 | $20M | +6277.5% | $62,000 | $0.97 | 20.7% | 0.1% |
| 2001 | $320,000 | +101.4% | $0 | $0.02 | 0.5% | 0.0% |
| 2000 | -$22M | +50.3% | $0 | $-1.10 | - | - |
| 1999 | -$45M | -273.3% | $0 | $-2.38 | - | - |
| 1998 | $26M | +38.9% | $0 | $1.47 | - | - |
| 1997 | $19M | +31.2% | $0 | $1.17 | - | - |
| 1996 | $14M | - | $0 | $0.93 | - | - |
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CPSS — Frequently Asked Questions
Quick answers to the most common questions about buying CPSS stock.
What is CPSS earnings per share (EPS)?
CPSS trailing twelve-month (TTM) diluted EPS is $0.86, reflecting +1.3% year-over-year growth. The 5-year EPS CAGR is -2.3%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Consumer Portfolio Services, Inc.'s net income?
Consumer Portfolio Services, Inc. (CPSS) trailing twelve-month net income is $20M as of 2025. Earnings grew +1.3% year-over-year. Consumer Portfolio Services, Inc. has been profitable for 14 consecutive years.
Is CPSS profitable?
Yes, CPSS is profitable with a TTM net income of $20M and a net profit margin of +4.5%. Consumer Portfolio Services, Inc. has generated profits for 14 consecutive years.
What is CPSS's earnings growth rate?
CPSS compound annual EPS growth rates (CAGR): 1-Year: +1.3%, 3-Year: -37.2%, 5-Year: -2.3%, 10-Year: -3.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are CPSS's profit margins?
Consumer Portfolio Services, Inc. net profit margin is +4.5%, operating margin is +60.8%, and gross margin is +99.6%. Below-average margins reflect competitive or cost pressures. Return on Equity is +6.4%.
Is CPSS growing earnings?
CPSS earnings growth is slowing. Current YoY EPS growth of +1.3% trails the 5-year CAGR of -2.3%. TTM net income is $20M.
What was CPSS's best earnings year?
Consumer Portfolio Services, Inc.'s highest annual net income on record is $86M, achieved in fiscal year 2022. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were CPSS's earnings last quarter?
CPSS's most recent reported quarter was Q1 2026. Net income was $6M with diluted EPS of $0.24. For a full breakdown of all quarters, see the quarterly earnings table on this page.