Consumer Portfolio Services, Inc. (CPSS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Sales/Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Revenue Growth % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Cost of Goods Sold | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| COGS % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 111.88M | 50.57M | 50.03M | 51.84M | 52.94M | 53.51M | 51.52M | 51.12M | 51.41M | 53.3M | 56.19M | 58.85M | 59.34M | 58.85M | 72.82M | 71.25M | 67.37M | 65.39M | 51.82M | 47.79M |
| Gross Margin % | 99.6% | 46.22% | 46.15% | 47.23% | 49.53% | 50.81% | 51.22% | 53.32% | 56.04% | 57.95% | 61.02% | 69.35% | 71.41% | 70.89% | 80.64% | 86.87% | 90.59% | 94.26% | 75.58% | 71.57% |
| Gross Profit Growth % | 111.36% | -5.5% | -2.88% | 1.41% | 2.96% | 0.39% | -8.31% | -13.14% | -13.36% | -9.43% | -22.84% | -17.4% | -11.91% | -10% | 40.53% | 49.09% | 59.76% | 65.65% | 35.06% | 26.74% |
| Operating Expenses | 43.8M | 43.35M | 43M | 44.89M | 46.13M | 46.16M | 44.67M | 44.45M | 44.85M | 43.46M | 41.97M | 40.25M | 40.91M | 40.55M | 38.48M | 37.03M | 38.04M | 41.01M | 32.27M | 33.91M |
| OpEx % of Revenue | 38.99% | 39.62% | 39.66% | 40.9% | 43.17% | 43.83% | 44.41% | 46.36% | 48.89% | 47.25% | 45.58% | 47.43% | 49.23% | 48.84% | 42.61% | 45.15% | 51.15% | 59.12% | 47.07% | 50.79% |
| Selling, General & Admin | 12.91M | 41.72M | 41.57M | 43.27M | 44.49M | 44.59M | 43.16M | 42.87M | 43.04M | 41.63M | 40.19M | 38.39M | 39.15M | 38.42M | 36.04M | 34.71M | 35.77M | 38.74M | 29.91M | 31.48M |
| SG&A % of Revenue | 11.49% | 38.13% | 38.34% | 39.42% | 41.62% | 42.34% | 42.91% | 44.71% | 46.91% | 45.26% | 43.64% | 45.24% | 47.12% | 46.28% | 39.91% | 42.32% | 48.1% | 55.85% | 43.63% | 47.15% |
| Research & Development | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 68.09M | 7.22M | 7.03M | 6.95M | 6.8M | 7.35M | 6.85M | 6.67M | 6.56M | 9.84M | 14.22M | 18.6M | 18.43M | 18.3M | 34.34M | 34.22M | 29.33M | 24.38M | 19.55M | 13.88M |
| Operating Margin % | 60.61% | 6.6% | 6.49% | 6.33% | 6.36% | 6.98% | 6.81% | 6.96% | 7.15% | 10.7% | 15.44% | 21.92% | 22.18% | 22.05% | 38.03% | 41.72% | 39.44% | 35.15% | 28.51% | 20.78% |
| Operating Income Growth % | 901.01% | -1.82% | 2.64% | 4.2% | 3.74% | -25.33% | -51.81% | -64.14% | -64.42% | -46.22% | -58.6% | -45.63% | -37.16% | -24.92% | 75.7% | 146.58% | 269.18% | 276.47% | 231.92% | 198.86% |
| EBITDA | 68.31M | 7.39M | 7.24M | 7.2M | 7.05M | 7.56M | 7.07M | 6.89M | 6.77M | 10.05M | 14.42M | 18.82M | 18.66M | 18.72M | 34.75M | 34.6M | 29.75M | 24.8M | 19.96M | 14.29M |
| EBITDA Margin % | 60.81% | 6.76% | 6.68% | 6.56% | 6.6% | 7.18% | 7.02% | 7.19% | 7.38% | 10.93% | 15.66% | 22.17% | 22.46% | 22.54% | 38.48% | 42.19% | 40% | 35.75% | 29.11% | 21.41% |
| EBITDA Growth % | 868.86% | -2.25% | 2.46% | 4.47% | 4.12% | -24.74% | -51% | -63.36% | -63.71% | -46.31% | -58.51% | -45.62% | -37.26% | -24.54% | 74.13% | 142.08% | 255.29% | 258.6% | 215.41% | 178.62% |
| D&A (Non-Cash Add-back) | 225K | 176K | 207K | 249K | 249K | 212K | 214K | 221K | 215K | 205K | 200K | 211K | 231K | 411K | 405K | 385K | 417K | 421K | 409K | 417K |
| EBIT | 68.09M | 7.22M | 7.03M | 6.95M | 6.8M | 7.35M | 6.85M | 6.67M | 6.56M | 9.84M | 14.22M | 18.6M | 18.43M | 18.3M | 34.34M | 34.22M | 29.33M | 24.38M | 19.55M | 13.88M |
| Net Interest Income | 48.66M | 48.93M | 48.07M | 49.66M | 50.52M | 50.63M | 48.6M | 47.16M | 47.32M | 48.98M | 51.37M | 46.93M | 47.3M | 50.82M | 64.52M | 61.6M | 56.06M | 50.74M | 48.68M | 46.46M |
| Interest Income | 108.72M | 108.24M | 107.17M | 108.36M | 105.43M | 103.15M | 98.66M | 93.87M | 89.29M | 89.26M | 89.26M | 82.64M | 80.06M | 79.69M | 88M | 80.37M | 72.46M | 67.72M | 67.02M | 65.44M |
| Interest Expense | 60.06M | 59.3M | 59.1M | 58.7M | 54.92M | 52.52M | 50.06M | 46.71M | 41.97M | 40.28M | 37.89M | 35.71M | 32.76M | 28.87M | 23.48M | 18.77M | 16.4M | 16.98M | 18.33M | 18.98M |
| Other Income/Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Pretax Income | 8.03M | 7.22M | 7.03M | 6.95M | 6.8M | 7.35M | 6.85M | 6.67M | 6.56M | 9.84M | 14.22M | 18.6M | 18.43M | 18.3M | 34.34M | 34.22M | 29.33M | 24.38M | 19.55M | 13.88M |
| Pretax Margin % | 7.15% | 6.6% | 6.49% | 6.33% | 6.36% | 6.98% | 6.81% | 6.96% | 7.15% | 10.7% | 15.44% | 21.92% | 22.18% | 22.05% | 38.03% | 41.72% | 39.44% | 35.15% | 28.51% | 20.78% |
| Income Tax | 2.49M | 2.24M | 2.18M | 2.15M | 2.11M | 2.21M | 2.06M | 2M | 1.97M | 2.66M | 3.84M | 4.65M | 4.61M | 4.17M | 8.93M | 8.9M | 8.21M | 5.42M | 5.86M | 4.16M |
| Effective Tax Rate % | 31% | 30.98% | 30.99% | 31% | 30.99% | 30.01% | 30% | 29.98% | 30% | 26.99% | 27% | 24.99% | 25% | 22.78% | 26% | 26% | 28% | 22.21% | 30% | 30% |
| Net Income | 5.54M | 4.98M | 4.85M | 4.8M | 4.69M | 5.14M | 4.8M | 4.67M | 4.59M | 7.19M | 10.38M | 13.95M | 13.82M | 14.13M | 25.41M | 25.32M | 21.11M | 18.96M | 13.68M | 9.71M |
| Net Margin % | 4.93% | 4.55% | 4.48% | 4.37% | 4.39% | 4.89% | 4.77% | 4.87% | 5% | 7.81% | 11.27% | 16.44% | 16.63% | 17.03% | 28.14% | 30.87% | 28.39% | 27.34% | 19.96% | 14.55% |
| Net Income Growth % | 18% | -3.19% | 1.19% | 2.68% | 2.27% | -28.41% | -53.79% | -66.52% | -66.79% | -49.15% | -59.16% | -44.89% | -34.53% | -25.47% | 85.73% | 160.68% | 308.89% | 357.54% | 263.14% | 226.82% |
| Net Income (Continuing) | 5.54M | 4.98M | 4.85M | 4.8M | 4.69M | 5.14M | 4.8M | 4.67M | 4.59M | 7.19M | 10.38M | 13.95M | 13.82M | 14.13M | 25.41M | 25.32M | 21.11M | 18.96M | 13.68M | 9.71M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.24 | 0.21 | 0.20 | 0.20 | 0.19 | 0.21 | 0.20 | 0.19 | 0.19 | 0.29 | 0.41 | 0.55 | 0.54 | 0.59 | 0.95 | 0.91 | 0.75 | 0.71 | 0.52 | 0.39 |
| EPS Growth % | 26.32% | 0% | 0% | 5.26% | 0% | -27.59% | -51.22% | -65.45% | -64.81% | -50.85% | -56.84% | -39.56% | -28% | -16.9% | 82.69% | 133.33% | 257.14% | 317.65% | 225% | 200% |
| EPS (Basic) | 0.25 | 0.23 | 0.22 | 0.22 | 0.22 | 0.24 | 0.22 | 0.22 | 0.22 | 0.34 | 0.49 | 0.67 | 0.68 | 0.69 | 0.95 | 1.18 | 0.99 | 0.88 | 0.59 | 0.43 |
| Diluted Shares Outstanding | 23.53M | 23.76M | 24.05M | 24.18M | 24.32M | 24.27M | 24.15M | 24.26M | 24.6M | 24.88M | 25.22M | 25.37M | 25.39M | 23.83M | 26.65M | 27.69M | 28.2M | 26.81M | 26.22M | 25.13M |
| Basic Shares Outstanding | 21.78M | 22M | 22.21M | 21.89M | 21.44M | 21.29M | 21.34M | 21.26M | 21.14M | 21.14M | 21.15M | 20.87M | 20.42M | 20.34M | 26.65M | 21.37M | 21.22M | 22.56M | 23.01M | 22.84M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |