CPSS (Consumer Portfolio Services, Inc.) Stock Financials & Earnings | Market Cap Arena

CPSS (Consumer Portfolio Services, Inc.) Stock Financials & Earnings | Market Cap Arena

CPSSConsumer Portfolio Services, Inc.

Mkt Cap$183M

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

Revenue (TTM)$430M

Net Income (TTM)$19M

EPS (TTM)$0.80

Free Cash Flow (TTM)$281M

Gross Margin48.4%

Op. Margin6.5%

Net Margin4.5%

FCF Margin65.3%

P/S Ratio (TTM)0.4x

P/E Ratio (TTM)9.4x

YoY Rev Growth+13.2%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
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

Revenue Breakdown

Valuation

Quarter	P/S	P/E
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	9.5x
Q1 25	0.4x	9.5x
Q2 25	0.4x	9.4x
Q3 25	0.4x	9.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
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

Capital Expenditures

CapEx

Quarter	CapEx
Q4 22	$371K
Q1 23	$34K
Q2 23	$32K
Q3 23	$211K
Q4 23	$282K
Q1 24	$111K
Q2 24	$145K
Q3 24	$100K
Q4 24	$77K
Q1 25	$471K
Q2 25	$124K
Q3 25	$471K

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
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%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q4 22	$1M	1.8%
Q1 23	$912K	1.1%
Q2 23	$905K	1.1%
Q3 23	$817K	0.9%
Q4 23	$830K	0.9%
Q1 24	$832K	0.9%
Q2 24	$809K	0.8%
Q3 24	$727K	0.7%
Q4 24	$589K	0.6%
Q1 25	$0	0.0%
Q2 25	$644K	0.6%
Q3 25	$501K	0.5%

OpEx Breakdown

Quarter	G&A	S&M
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

War Chest

Quarter	Cash	Short-term Investments	Total
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

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q4 22	24M	-10.6%
Q1 23	25M	+6.6%
Q2 23	25M	-0.1%
Q3 23	25M	-0.6%
Q4 23	25M	-1.3%
Q1 24	25M	-1.1%
Q2 24	24M	-1.4%
Q3 24	24M	-0.5%
Q4 24	24M	+0.5%
Q1 25	24M	+0.2%
Q2 25	24M	-0.6%
Q3 25	24M	-0.6%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 13	$347K	705
FY 14	$346K	869
FY 15	$389K	935
FY 16	$440K	960
FY 17	$435K	999
FY 18	$378K	1K
FY 19	$342K	1K
FY 20	$345K	787
FY 21	$362K	739
FY 22	$416K	792
FY 23	$396K	890
FY 24	$422K	933