CPSS

MKT CAP:$183M

Consumer Portfolio Services, Inc.

Market Cap

$183M

Financial Services·Financial - Credit Services·🇺🇸 United States·NASDAQ

Financials·Financial·🇺🇸·NASDAQ

Stock Price

$8.58-$0.59 (-6.43%)

Apr 17, 2026

Company Details

Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dea...

CEO

Charles E. Bradley Jr.

IPO Date

Oct 22, 1992

Website

www.consumerportfolio.com

Key Metrics TTM

Revenue

$434M

+10.4% YoY

Net Income

$19M

EPS (Diluted)

$0.80

Free Cash Flow

$288M

Revenue / Share

$18.28

Gross Margin

60.8%

Operating Margin

20.1%

Net Margin

4.4%

FCF Margin

66.4%

P/S

0.4x

P/E

9.5x

Earnings Reports

Q1 2026

May 11, 2026

PENDING

FY 2025

Mar 16, 2026

$428M+8.8%EPS $0.80

Q4 2025

Mar 16, 2026

$109M+3.9%EPS $0.21

Q3 2025

Nov 10, 2025

$108M+7.8%EPS $0.20

Q2 2025

Aug 11, 2025

$110M+14.5%EPS $0.20

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q1 22	$74M	$67M	$29M
Q2 22	$82M	$71M	$34M
Q3 22	$90M	$73M	$34M
Q4 22	$83M	$59M	$18M
Q1 23	$83M	$59M	$18M
Q2 23	$85M	$59M	$19M
Q3 23	$92M	$56M	$14M
Q4 23	$92M	$53M	$10M
Q1 24	$92M	$51M	$7M
Q2 24	$96M	$51M	$7M
Q3 24	$101M	$52M	$7M
Q4 24	$105M	$54M	$7M
Q1 25	$107M	$53M	$7M
Q2 25	$110M	$52M	$7M
Q3 25	$108M	$50M	$7M
Q4 25	$109M	$109M	$67M

Valuation

Quarter	P/S	P/E
Q1 22	0.7x	2.9x
Q2 22	0.6x	2.3x
Q3 22	0.6x	2.0x
Q4 22	0.6x	2.1x
Q1 23	0.5x	2.3x
Q2 23	0.5x	2.7x
Q3 23	0.5x	3.5x
Q4 23	0.5x	4.0x
Q1 24	0.5x	5.1x
Q2 24	0.5x	6.8x
Q3 24	0.5x	8.6x
Q4 24	0.5x	9.6x
Q1 25	0.4x	9.5x
Q2 25	0.4x	9.4x
Q3 25	0.4x	9.4x
Q4 25	0.4x	9.5x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$68M	$68M
Q2 22	$51M	$51M
Q3 22	$45M	$44M
Q4 22	$51M	$51M
Q1 23	$65M	$65M
Q2 23	$56M	$55M
Q3 23	$61M	$61M
Q4 23	$56M	$56M
Q1 24	$53M	$53M
Q2 24	$43M	$43M
Q3 24	$70M	$70M
Q4 24	$68M	$68M
Q1 25	$74M	$73M
Q2 25	$54M	$54M
Q3 25	$85M	$85M
Q4 25	$76M	$75M

Capital Expenditures

Quarter	CapEx
Q1 22	$275.0K
Q2 22	$753.0K
Q3 22	$750.0K
Q4 22	$371.0K
Q1 23	$34.0K
Q2 23	$32.0K
Q3 23	$211.0K
Q4 23	$282.0K
Q1 24	$111.0K
Q2 24	$145.0K
Q3 24	$100.0K
Q4 24	$77.0K
Q1 25	$471.0K
Q2 25	$124.0K
Q3 25	$471.0K
Q4 25	$471.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 22	+17.8%	-18.4%
Q2 22	+22.8%	-9.6%
Q3 22	+31.7%	+14.2%
Q4 22	+19.7%	+43.9%
Q1 23	+11.7%	+43.6%
Q2 23	+3.5%	+38.6%
Q3 23	+2.0%	+39.1%
Q4 23	+10.8%	+26.9%
Q1 24	+10.4%	+31.7%
Q2 24	+13.0%	+34.6%
Q3 24	+9.2%	+20.4%
Q4 24	+14.5%	+19.3%
Q1 25	+16.5%	+17.5%
Q2 25	+14.5%	+15.2%
Q3 25	+7.8%	+8.2%
Q4 25	+3.9%	-56.2%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$790.0K	1.1%
Q2 22	$728.0K	0.9%
Q3 22	$1M	1.6%
Q4 22	$1M	1.8%
Q1 23	$912.0K	1.1%
Q2 23	$905.0K	1.1%
Q3 23	$817.0K	0.9%
Q4 23	$830.0K	0.9%
Q1 24	$832.0K	0.9%
Q2 24	$809.0K	0.8%
Q3 24	$727.0K	0.7%
Q4 24	$589.0K	0.6%
Q1 25	$0	0.0%
Q2 25	$644.0K	0.6%
Q3 25	$501.0K	0.5%
Q4 25	$808.0K	0.7%

OpEx Breakdown

Quarter	G&A	S&M
Q1 22	$30M	$5M
Q2 22	$29M	$6M
Q3 22	$30M	$6M
Q4 22	$33M	$6M
Q1 23	$33M	$6M
Q2 23	$33M	$5M
Q3 23	$35M	$5M
Q4 23	$37M	$5M
Q1 24	$38M	$5M
Q2 24	$37M	$6M
Q3 24	$37M	$6M
Q4 24	$38M	$6M
Q1 25	$39M	$6M
Q2 25	$38M	$6M
Q3 25	$36M	$6M
Q4 25	$13M	$5M

War Chest

Quarter	Cash	Short-term Investments	Total
Q1 22	$186M	$0	$186M
Q2 22	$168M	$0	$168M
Q3 22	$173M	$0	$173M
Q4 22	$163M	$0	$163M
Q1 23	$10M	$0	$10M
Q2 23	$7M	$0	$7M
Q3 23	$8M	$0	$8M
Q4 23	$125M	$0	$125M
Q1 24	$151M	$0	$151M
Q2 24	$267M	$0	$267M
Q3 24	$279M	$0	$279M
Q4 24	$137M	$0	$137M
Q1 25	$30M	$0	$30M
Q2 25	$160M	$0	$160M
Q3 25	$152M	$0	$152M
Q4 25	$6M	$0	$6M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q1 22	28M	+5.2%	+12.9%
Q2 22	28M	-1.8%	+10.2%
Q3 22	27M	-3.7%	+1.7%
Q4 22	24M	-10.6%	-11.1%
Q1 23	25M	+6.6%	-9.9%
Q2 23	25M	-0.1%	-8.4%
Q3 23	25M	-0.6%	-5.4%
Q4 23	25M	-1.3%	+4.4%
Q1 24	25M	-1.1%	-3.1%
Q2 24	24M	-1.4%	-4.4%
Q3 24	24M	-0.5%	-4.2%
Q4 24	24M	+0.5%	-2.4%
Q1 25	24M	+0.2%	-1.1%
Q2 25	24M	-0.6%	-0.3%
Q3 25	24M	-0.6%	-0.4%
Q4 25	24M	-1.2%	-2.1%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q1 22	$100.6K	739
Q2 22	$111.0K	739
Q3 22	$122.2K	739
Q4 22	$104.8K	792
Q1 23	$104.9K	792
Q2 23	$107.1K	792
Q3 23	$116.3K	792
Q4 23	$103.3K	890
Q1 24	$103.1K	890
Q2 24	$107.7K	890
Q3 24	$113.0K	890
Q4 24	$112.9K	933
Q1 25	$114.5K	933
Q2 25	$117.6K	933
Q3 25	$116.2K	933
Q4 25	$117.9K	928

Revenue / Employee