CPSS
Consumer Portfolio Services Inc
NASDAQ: CPSS · FINANCIAL SERVICES · CREDIT SERVICES
$9.12
+1.90% today
Updated 2026-04-29
Market cap
$184.31M
P/E ratio
10.59
P/S ratio
0.93x
EPS (TTM)
$0.80
Dividend yield
—
52W range
$7 – $10
Volume
0.0M
Consumer Portfolio Services Inc (CPSS) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $278.86M | $394.55M | $368.41M | $223.90M | $155.19M | $143.13M | $187.21M | $244.83M | $300.26M | $363.65M | $422.28M | $434.38M | $389.77M | $345.80M | $271.16M | $267.81M | $329.71M | $352.01M | $393.51M | $427.97M |
| Revenue growth (YoY) | — | +41.5% | -6.6% | -39.2% | -30.7% | -7.8% | +30.8% | +30.8% | +22.6% | +21.1% | +16.1% | +2.9% | -10.3% | -11.3% | -21.6% | -1.2% | +23.1% | +6.8% | +11.8% | +8.8% |
| Cost of revenue | $185.17M | $276.46M | $318.62M | $203.78M | $111.50M | $98.56M | $112.92M | $135.05M | $158.62M | $200.36M | $258.45M | $279.06M | $234.55M | $196.30M | $115.45M | $60.65M | $59.42M | $124.33M | $185.95M | $1.76M |
| Gross profit | $93.69M | $118.09M | $49.79M | $20.12M | $43.69M | $44.57M | $74.29M | $109.78M | $141.63M | $163.29M | $163.83M | $155.32M | $155.23M | $149.50M | $155.71M | $207.16M | $270.29M | $227.68M | $207.56M | $426.21M |
| Gross margin | 33.6% | 29.9% | 13.5% | 9.0% | 28.2% | 31.1% | 39.7% | 44.8% | 47.2% | 44.9% | 38.8% | 35.8% | 39.8% | 43.2% | 57.4% | 77.4% | 82.0% | 64.7% | 52.7% | 99.6% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — |
| SG&A | $61.68M | $71.67M | $78.38M | $61.51M | $52.34M | $46.86M | $51.00M | $59.30M | $69.38M | $79.72M | $90.39M | $99.55M | $110.36M | $113.88M | $112.18M | $115.15M | $121.90M | $138.15M | $150.90M | $52.87M |
| Operating income | $13.20M | $23.96M | $-43.45M | $-49.41M | $-16.20M | $-14.46M | $9.19M | $37.17M | $52.24M | $61.38M | $49.66M | $32.07M | $18.70M | $9.16M | $20.12M | $65.75M | $116.19M | $61.10M | $27.43M | $260.03M |
| Operating margin | 4.7% | 6.1% | -11.8% | -22.1% | -10.4% | -10.1% | 4.9% | 15.2% | 17.4% | 16.9% | 11.8% | 7.4% | 4.8% | 2.6% | 7.4% | 24.5% | 35.2% | 17.4% | 7.0% | 60.8% |
| EBITDA | $14.00M | $24.50M | $-42.92M | $-48.70M | $-15.55M | $-13.79M | $9.73M | $37.61M | $52.67M | $62.02M | $50.44M | $33.01M | $19.70M | $10.24M | $21.90M | $67.42M | $117.81M | $61.94M | $28.29M | $260.03M |
| EBITDA margin | 5.0% | 6.2% | -11.6% | -21.8% | -10.0% | -9.6% | 5.2% | 15.4% | 17.5% | 17.1% | 11.9% | 7.6% | 5.1% | 3.0% | 8.1% | 25.2% | 35.7% | 17.6% | 7.2% | 60.8% |
| EBIT | $13.20M | $23.96M | $-43.45M | $-49.41M | $-16.20M | $-14.46M | $9.19M | $37.17M | $52.24M | $61.38M | $49.66M | $32.07M | $18.70M | $9.16M | $20.12M | $65.75M | $116.19M | $61.10M | $27.43M | $259.15M |
| Interest expense | $93.11M | $139.19M | $156.25M | $111.77M | $81.58M | $83.05M | $79.42M | $58.18M | $50.40M | $57.74M | $79.94M | $92.34M | $101.47M | $110.53M | $101.34M | $75.24M | $87.52M | $146.63M | $191.26M | $232.02M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $39.55M | $13.86M | $-26.09M | $-57.21M | $-33.18M | $-14.46M | $69.41M | $21.00M | $29.52M | $34.68M | $29.30M | $3.77M | $14.86M | $5.41M | $21.68M | $47.52M | $85.98M | $45.34M | $19.20M | $19.32M |
| Net income growth (YoY) | — | -65.0% | -288.3% | -119.3% | +42.0% | +56.4% | +580.0% | -69.7% | +40.5% | +17.5% | -15.5% | -87.2% | +294.7% | -63.6% | +301.0% | +119.2% | +80.9% | -47.3% | -57.6% | +0.6% |
| Profit margin | 14.2% | 3.5% | -7.1% | -25.6% | -21.4% | -10.1% | 37.1% | 8.6% | 9.8% | 9.5% | 6.9% | 0.9% | 3.8% | 1.6% | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.5% |