Consumer Portfolio Services, Inc. (CPSS) Financial Statements
Industry: Finance Services
In fiscal 2025, Consumer Portfolio Services reported revenue of $434.5M, up 10.4% from $393.5M the year before. Net income was $19.3M (a 4.4% net margin), or $0.80 per diluted share. Operating activities generated $289.0M of cash, leaving $288.3M of free cash flow. At fiscal year end, Consumer Portfolio Services held $3.86B in total assets against $3.55B in total liabilities, including $6.3M of cash and equivalents.
Open the full interactive Consumer Portfolio Services financials → Quarterly statements, key ratios, valuation history and price charts.
Consumer Portfolio Services Key Stats
| Share Price | $9.16 |
|---|---|
| Market Cap | $215.1M |
| P/E Ratio | 11.4 |
| Revenue YoY Growth | +10.4% |
| 52-Week Range | $7.39 – $10.30 |
| Shares Outstanding | 21.6 million (basic, 2026 Q2) |
Consumer Portfolio Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Revenue | $271.2M | $267.8M | $329.7M | $352.0M | $393.5M | $434.5M |
| Pre-Tax Income | $20.1M | $65.7M | $116.2M | $61.1M | $27.4M | $28.0M |
| Income Tax | -$1.6M | $18.2M | $30.2M | $15.8M | $8.2M | $8.7M |
| Net Income | $21.7M | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| Diluted EPS | $0.90 | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
Consumer Portfolio Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $108.4M | $109.4M | $112.3M | $121.4M |
| Net Income | $4.9M | $5.0M | $5.5M | $6.2M |
| Diluted EPS | $0.20 | $0.21 | $0.24 | $0.27 |
Consumer Portfolio Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $13.5M | $29.9M | $13.5M | $6.2M | $11.7M | $6.3M |
| Total Assets | $2.15B | $2.16B | $2.75B | $2.90B | $3.49B | $3.86B |
| Total Long-Term Debt | $167.4M | $186.8M | $363.1M | $301.8M | $541.7M | $500.7M |
| Total Liabilities | $2.01B | $1.99B | $2.52B | $2.63B | $3.20B | $3.55B |
| Shareholders' Equity | $133.4M | $170.2M | $228.4M | $274.7M | $292.8M | $309.5M |
Consumer Portfolio Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $238.8M | $198.2M | $215.9M | $238.0M | $233.8M | $289.0M |
| Cash From Investing | $93.0M | -$115.4M | -$713.9M | -$359.5M | -$769.7M | -$590.1M |
| Cash From Financing | -$328.5M | -$50.4M | $484.2M | $84.2M | $547.9M | $335.9M |
| Free Cash Flow | $238.7M | $196.2M | $213.8M | $237.4M | $233.3M | $288.3M |
Figures from Consumer Portfolio Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Consumer Portfolio Services financials page for every line item.
Consumer Portfolio Services Company Profile
| Ticker | CPSS |
|---|---|
| Exchange | Nasdaq |
| Industry | Finance Services |
| Headquarters | Las Vegas, Nevada |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000889609 |
Frequently Asked Questions
What was Consumer Portfolio Services' revenue in fiscal 2025?
Consumer Portfolio Services (CPSS) reported revenue of $434.5M for fiscal 2025.
What is Consumer Portfolio Services' annual revenue history?
Consumer Portfolio Services' annual revenue by fiscal year: 2020: $271.2M; 2021: $267.8M; 2022: $329.7M; 2023: $352.0M; 2024: $393.5M; 2025: $434.5M.
What was Consumer Portfolio Services' net income in fiscal 2025?
Consumer Portfolio Services reported net income of $19.3M for fiscal 2025.
What was Consumer Portfolio Services' earnings per share (EPS) in fiscal 2025?
Consumer Portfolio Services' diluted EPS was $0.80 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Consumer Portfolio Services generate in fiscal 2025?
Consumer Portfolio Services generated $288.3M of free cash flow in fiscal 2025.
What was Consumer Portfolio Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Consumer Portfolio Services reported revenue of $121.4M.
How much debt does Consumer Portfolio Services have?
Consumer Portfolio Services reported $500.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Consumer Portfolio Services are outstanding?
Consumer Portfolio Services reported a weighted average of 21.6 million basic shares outstanding in 2026 Q2.
What is Consumer Portfolio Services' market cap?
Based on its latest closing price, Consumer Portfolio Services (CPSS) has a market capitalization of about $215.1M.
When does Consumer Portfolio Services' fiscal year end?
Consumer Portfolio Services' fiscal year end, as registered with the SEC, is December 31.
Where is Consumer Portfolio Services headquartered?
Consumer Portfolio Services lists its business address in Las Vegas, Nevada in its SEC filings.