Consumer Portfolio Services (CPSS) Financial Statements & Analysis

Consumer Portfolio Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Consumer Portfolio Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	202.45	393.51	227.68	329.71	192.57	271.16	345.80	389.78	434.38
Cost of Revenue	1.76	185.95	124.33	59.42	60.65	115.45	196.30	234.55	279.06
Gross Profit	426.21	207.56	227.68	270.29	207.16	155.71	149.50	155.23	155.33
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	171.04	173.65	50.00	144.94	132.03	126.39	131.77	127.93	115.16
Operating Expenses	166.18	180.13	166.59	154.09	141.42	135.59	140.34	136.53	123.25
Operating Income	260.03	27.43	61.10	116.19	65.75	20.12	9.16	18.70	32.07
Other Income/Expense
Interest Income	429.20	384.96	341.22	320.52	261.85	265.45	337.10	380.30	424.17
Interest Expense	232.02	191.26	146.63	87.52	75.24	101.34	110.53	101.47	92.35
Other Income/Expense	-232.02	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	28.00	27.43	61.10	116.19	65.75	20.12	9.16	18.70	32.07
Income Tax Expense	8.68	8.23	15.75	30.21	18.22	-1.56	3.76	3.84	28.31
Net Income	19.33	19.20	45.34	85.98	47.52	21.68	5.41	14.86	3.77
Net Income - Continuous Operations	19.33	19.20	45.34	85.98	47.52	21.68	5.41	14.86	3.77
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	260.03	28.29	10.54	117.81	8.79	21.90	10.24	19.70	33.01
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.88	0.86	0.85	1.62	1.68	1.78	1.08	0.99	0.93
Earnings Per Share
Basic EPS	1.00	1.00	2.00	4.00	2.00	1.00	-	1.00	-
Diluted EPS	1.00	1.00	2.00	3.00	2.00	1.00	-	1.00	-
Basic Shares Outstanding	21.89	21.29	20.90	20.96	22.56	22.61	22.42	21.99	22.69
Diluted Shares Outstanding	24.08	24.33	25.22	26.59	25.78	24.00	24.06	24.99	27.21

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Consumer Portfolio Services Financial Statements

What was Consumer Portfolio Services's revenue in fiscal 2025?

Consumer Portfolio Services reported revenue of $202.45M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 48.6% from $393.51M a year earlier.

Is Consumer Portfolio Services profitable?

Yes. Consumer Portfolio Services earned net income of $19.32M in fiscal 2025, a net margin of 9.5%. In fiscal 2024 it earned $19.20M.

What is Consumer Portfolio Services's operating margin?

Consumer Portfolio Services's operating income was $260.03M on revenue of $202.45M in fiscal 2025, an operating margin of 128.4%, compared with 7.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition