Consumer Portfolio Services financials
$9.05+0.89%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $434.5M | $393.5M | $352.0M | $329.7M | $267.8M | $271.2M | $345.8M | $389.8M | $434.4M | $422.3M |
| Gross profit | $202.4M | $202.2M | $205.4M | $242.2M | $192.6M | $169.8M | $235.3M | $288.3M | $342.0M | $342.3M |
| Gross margin | 46.6% | 51.4% | 58.3% | 73.5% | 71.9% | 62.6% | 68.0% | 74.0% | 78.7% | 81.1% |
| Operating income | $28.0M | $27.4M | $61.1M | $116.2M | $65.7M | $20.1M | $9.2M | $18.7M | $32.1M | $49.7M |
| Net income | $19.3M | $19.2M | $45.3M | $86.0M | $47.5M | $21.7M | $5.4M | $14.9M | $3.8M | $29.3M |
| Net margin | 4.4% | 4.9% | 12.9% | 26.1% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% |
| Diluted EPS | $0.80 | $0.79 | $1.80 | $3.23 | $1.84 | $0.90 | $0.22 | $0.59 | $0.14 | $1.01 |
| EBITDA | $28.0M | $27.4M | $61.1M | $116.2M | $65.7M | $20.1M | $9.2M | $18.7M | $32.1M | $49.7M |
| Operating cash flow | $289.0M | $233.8M | $238.0M | $215.9M | $198.2M | $238.8M | $216.8M | $216.2M | $215.6M | $196.3M |
| Free cash flow | $288.3M | $233.3M | $237.4M | $213.8M | $196.2M | $238.7M | $216.0M | $215.1M | $215.0M | $195.3M |
| Diluted shares | 24.1M | 24.3M | 25.2M | 26.6M | 25.8M | 24.0M | 24.1M | 25.0M | 27.2M | 29.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $6.3M | $11.7M | $6.2M | $13.5M | $29.9M | $13.5M |
| Short-term investments | $165.9M | $125.7M | $119.3M | $149.3M | $146.6M | $130.7M |
| Total debt | $3.55B | $3.20B | $2.63B | $2.47B | $1.94B | $1.99B |
| Total assets | $3.86B | $3.49B | $2.90B | $2.75B | $2.16B | $2.15B |
| Total liabilities | $3.55B | $3.20B | $2.63B | $2.52B | $1.99B | $2.01B |
| Shareholders' equity | $309.5M | $292.8M | $274.7M | $228.4M | $170.2M | $133.4M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology