Consumer Portfolio Services, Inc. (CPSS) Quarterly Income Statement

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Consumer Portfolio Services, Inc. (CPSS) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

CPSS Income Statement

Consumer Portfolio Services, Inc. (CPSS) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	Q3'26	Q2'26	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

Net Interest Income	58.56M	53.86M	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
NII Growth %	21.83%	8.46%	-3.67%	-3.35%	-1.1%	5.3%	6.75%	3.36%	-5.39%	0.48%	0.04%	-3.62%	-20.37%	-23.81%	-15.62%	0.17%	32.52%	32.58%	37.64%	32.56%
Net Interest Margin %	1.21%	1.22%	1.2%	1.27%	1.26%	1.32%	1.38%	1.45%	1.4%	1.43%	1.57%	1.69%	1.78%	1.64%	1.67%	1.84%	2.43%	2.46%	2.46%	2.35%
Interest Income	129.08M	118.11M	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
Interest Expense	70.52M	64.25M	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
Loan Loss Provision	-70.52M	-64.25M	-59.61M	-462K	-712K	-781K	-979K	-728K	-994K	-1.95M	-1.64M	-1.6M	-2M	-9.7M	-9M	-4.7M	-6M	-8M	-9.4M	-13M
Non-Interest Income	2.83M	3.28M	3.61M	1.17M	1.25M	1.4M	1.44M	2.15M	1.92M	2.01M	2.46M	2.72M	2.82M	2.22M	3.04M	3.33M	2.31M	1.65M	1.91M	1.65M
Non-Interest Income %	4.61%	5.74%	6.91%	2.34%	2.54%	2.75%	2.77%	4.08%	3.8%	4.09%	4.93%	5.26%	5.2%	4.52%	6.03%	6.15%	3.45%	2.61%	3.29%	3.15%
Total Net Revenue	61.39M	57.14M	52.27M	50.11M	49.32M	51.06M	51.96M	52.78M	50.52M	49.17M	49.78M	51.7M	54.19M	49.15M	50.34M	54.15M	66.82M	63.25M	57.97M	52.39M
Revenue Growth %	24.47%	11.9%	0.61%	-5.07%	-2.38%	3.84%	4.38%	2.09%	-6.77%	0.04%	-1.12%	-4.52%	-18.9%	-22.29%	-13.15%	3.37%	33.03%	32.35%	37.47%	32.72%
Non-Interest Expense	51.31M	48.1M	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
Efficiency Ratio	83.58%	84.19%	83.78%	86.52%	87.19%	87.91%	88.79%	87.45%	88.41%	90.4%	90.11%	84.05%	77.45%	81.88%	81.27%	74.88%	57.58%	58.55%	65.62%	78.28%
Operating Income	80.6M	73.29M	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
Operating Margin %	131.28%	128.27%	130.26%	14.4%	14.26%	13.62%	13.09%	13.93%	13.56%	13.57%	13.17%	19.04%	26.24%	37.85%	36.61%	33.8%	51.4%	54.1%	50.6%	46.54%
Operating Income Growth %	1046.15%	954.2%	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%
Pretax Income	10.08M	9.04M	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
Pretax Margin %	16.42%	15.81%	15.36%	14.4%	14.26%	13.62%	13.09%	13.93%	13.56%	13.57%	13.17%	19.04%	26.24%	37.85%	36.61%	33.8%	51.4%	54.1%	50.6%	46.54%
Income Tax	3.13M	2.8M	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
Effective Tax Rate %	31.01%	31%	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%
Net Income	6.95M	6.23M	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
Net Margin %	11.33%	10.91%	10.6%	9.94%	9.84%	9.39%	9.03%	9.75%	9.49%	9.5%	9.22%	13.9%	19.15%	28.39%	27.46%	26.1%	38.03%	40.03%	36.43%	36.2%
Net Income Growth %	43.27%	29.96%	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%
Net Income (Continuing)	6.95M	6.23M	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
EPS (Diluted)	0.30	0.26	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
EPS Growth %	50%	30%	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%
EPS (Basic)	0.32	0.29	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
Diluted Shares Outstanding	23.32M	23.51M	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