Consumer Portfolio Services, Inc. (CPSS) Earnings History
Annual and quarterly earnings data from 1996 to 2025
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CPSS EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CPSS Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 99.6% | 60.8% | 4.5% |
| 2024 | 52.7% | 7.0% | 4.9% |
| 2023 | 64.7% | 17.4% | 12.9% |
| 2022 | 82.0% | 35.2% | 26.1% |
| 2021 | 77.4% | 24.5% | 17.7% |
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Consumer Portfolio Services, Inc. (CPSS) Earnings Overview
As of May 8, 2026, Consumer Portfolio Services, Inc. (CPSS) reported trailing twelve-month net income of $19M, reflecting +1.3% year-over-year growth. The company earned $0.81 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% |
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Start ComparisonCPSS — Frequently Asked Questions
Quick answers to the most common questions about buying CPSS stock.
Is CPSS growing earnings?
CPSS EPS of $0.81 reflects slowing growth at +1.3%, below the 5-year CAGR of -2.3%. TTM net income is $19M. Expansion rate has moderated.
What are CPSS's profit margins?
Consumer Portfolio Services, Inc. net margin is +4.5%, with operating margin at +60.8%. Below-average margins reflect competitive or cost pressures.
How consistent are CPSS's earnings?
CPSS earnings data spans 1996-2025. The current earnings trend is +1.3% YoY. Historical data enables comparison across business cycles.