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CPSS (Consumer Portfolio Services, Inc.) Stock Financials & Earnings | Market Cap Arena
CPSS
Consumer 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 Margin
48.4%
Op. Margin
6.5%
Net Margin
4.5%
FCF Margin
65.3%
P/S Ratio (TTM)
0.4x
P/E Ratio (TTM)
9.4x
YoY Rev Growth
+13.2%
Employees
—
Earnings Reports
▶
Q3 2025
Browse All Reports
Quarterly
FY
Revenue & Profitability
Revenue
Gross Profit
Operating Income
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
marketcaparena.com
Revenue Breakdown
CPSS
Consumer Portfolio Services, Inc.
Revenue Breakdown
Q3 2025
marketcaparena.com
Valuation
P/S Ratio
P/E Ratio
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
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Operating Cash Flow
Operating Cash Flow
Free 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
marketcaparena.com
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
$471K
marketcaparena.com
OpEx vs Revenue Growth (YoY)
Revenue Growth
OpEx Growth
Quarter
Revenue Growth
OpEx Growth
Q4 22
+19.7%
+43.9%
Q1 23
+11.7%
+43.6%
Q2 23
+3.5%
+38.6%
Q3 23
+2.0%
+39.1%
Q4 23
+10.8%
+26.9%
Q1 24
+10.4%
+31.7%
Q2 24
+13.0%
+34.6%
Q3 24
+9.2%
+20.4%
Q4 24
+14.5%
+19.3%
Q1 25
+16.5%
+17.5%
Q2 25
+14.5%
+15.2%
Q3 25
+7.8%
+8.2%
marketcaparena.com
Stock-Based Compensation
SBC ($)
% of Revenue
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%
marketcaparena.com
OpEx Breakdown
G&A
S&M
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
marketcaparena.com
War Chest
Cash & Equivalents
Short-Term Investments
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
marketcaparena.com
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%
marketcaparena.com
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
marketcaparena.com