What is Consumer Port's earnings per share (EPS)?

Consumer Port (CPSS) reported diluted earnings per share of $0.80 for fiscal year 2025. This represents a 1.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Consumer Port Financials

CPSS

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Consumer Port (CPSS) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 44/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Consumer Port's revenue grew 10.4% year-over-year to $434.5M, a solid pace of expansion. This earns a growth score of 51/100.

Leverage

Consumer Port has elevated debt relative to equity (D/E of 11.46), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Consumer Port converts 66.3% of revenue into free cash flow ($288.3M). This strong cash generation earns a score of 100/100.

Returns

Consumer Port generates a 6.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 25/100. This is down from 6.6% the prior year.

Piotroski F-Score Weak

3/9

Consumer Port passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Cash-Backed

14.95x

For every $1 of reported earnings, Consumer Port generates $14.95 in operating cash flow ($289.0M OCF vs $19.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$434.5M

YoY+10.4%

5Y CAGR+9.9%

10Y CAGR+1.8%

Consumer Port generated $434.5M in revenue in fiscal year 2025. This represents an increase of 10.4% from the prior year.

EBITDA

N/A

Net Income

$19.3M

YoY+0.6%

5Y CAGR-2.3%

10Y CAGR-5.7%

Consumer Port reported $19.3M in net income in fiscal year 2025. This represents an increase of 0.6% from the prior year.

EPS (Diluted)

$0.80

YoY+1.3%

5Y CAGR-2.3%

10Y CAGR-3.1%

Consumer Port earned $0.80 per diluted share (EPS) in fiscal year 2025. This represents an increase of 1.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$288.3M

YoY+23.6%

5Y CAGR+3.8%

10Y CAGR+4.5%

Consumer Port generated $288.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 23.6% from the prior year.

Cash & Debt

$6.3M

YoY-46.0%

5Y CAGR-14.0%

10Y CAGR-10.6%

Consumer Port held $6.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

22M

YoY+1.9%

5Y CAGR-0.8%

10Y CAGR-1.6%

Consumer Port had 22M shares outstanding in fiscal year 2025. This represents an increase of 1.9% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

4.5%

YoY-0.4pp

5Y CAGR-3.5pp

10Y CAGR-5.1pp

Consumer Port's net profit margin was 4.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 0.4 percentage points from the prior year.

Return on Equity

6.2%

YoY-0.3pp

5Y CAGR-10.0pp

10Y CAGR-15.3pp

Consumer Port's ROE was 6.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$8.7M

YoY-32.4%

5Y CAGR+48.2%

10Y CAGR+3.9%

Consumer Port spent $8.7M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 32.4% from the prior year.

Capital Expenditures

$709K

YoY+63.7%

5Y CAGR+96.8%

10Y CAGR-5.1%

Consumer Port invested $709K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 63.7% from the prior year.

CPSS Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$434.5M+10.4%	$393.5M+11.8%	$352.0M+6.8%	$329.7M+23.1%	$267.8M-1.2%	$271.2M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$52.9M-3.4%	$54.7M+9.4%	$50.0M+32.9%	$37.6M+8.7%	$34.6M+8.2%	$32.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$232.0M+21.3%	$191.3M+30.4%	$146.6M+67.5%	$87.5M+16.3%	$75.2M-25.8%	$101.3M
Income Tax	$8.7M+5.5%	$8.2M-47.8%	$15.8M-47.9%	$30.2M+65.8%	$18.2M+1270.3%	-$1.6M
Net Income	$19.3M+0.6%	$19.2M-57.6%	$45.3M-47.3%	$86.0M+80.9%	$47.5M+119.2%	$21.7M
EPS (Diluted)	$0.80+1.3%	$0.79-56.1%	$1.80-44.3%	$3.23+75.5%	$1.84+104.4%	$0.90

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$109.4M+0.9%	$108.4M-1.2%	$109.8M+2.7%	$106.9M+1.5%	$105.3M+4.7%	$100.6M+4.9%	$95.9M+4.5%	$91.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$12.7M-5.2%	$13.4M+1.8%	$13.2M-2.7%	$13.5M-6.1%	$14.4M+8.6%	$13.3M+0.1%	$13.3M-3.6%	$13.8M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$59.3M+0.3%	$59.1M+0.7%	$58.7M+6.9%	$54.9M+4.6%	$52.5M+4.9%	$50.1M+7.2%	$46.7M+11.3%	$42.0M
Income Tax	$2.2M+2.6%	$2.2M+1.1%	$2.2M+2.2%	$2.1M-4.4%	$2.2M+7.3%	$2.1M+2.8%	$2.0M+1.7%	$2.0M
Net Income	$5.0M+2.6%	$4.9M+1.2%	$4.8M+2.2%	$4.7M-8.8%	$5.1M+7.3%	$4.8M+2.7%	$4.7M+1.8%	$4.6M
EPS (Diluted)	N/A	$0.200.0%	$0.20+5.3%	$0.19	N/A	$0.20+5.3%	$0.190.0%	$0.19

CPSS Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$3.9B+10.4%	$3.5B+20.3%	$2.9B+5.5%	$2.8B+27.5%	$2.2B+0.6%	$2.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.3M-46.0%	$11.7M+89.7%	$6.2M-54.2%	$13.5M-54.9%	$29.9M+122.2%	$13.5M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.5B+10.9%	$3.2B+21.8%	$2.6B+4.1%	$2.5B+26.9%	$2.0B-1.2%	$2.0B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$309.5M+5.7%	$292.8M+6.6%	$274.7M+20.3%	$228.4M+34.2%	$170.2M+27.6%	$133.4M
Retained Earnings	$286.4M+7.2%	$267.1M+7.7%	$247.9M+22.4%	$202.5M+73.8%	$116.5M+68.9%	$69.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$3.9B+1.3%	$3.8B+1.2%	$3.8B+2.5%	$3.7B+5.1%	$3.5B+0.9%	$3.5B+5.4%	$3.3B+9.3%	$3.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$6.3M-32.7%	$9.4M-40.5%	$15.8M-47.1%	$29.8M+154.8%	$11.7M+45.1%	$8.1M-17.2%	$9.8M-26.4%	$13.2M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$3.5B+1.3%	$3.5B+1.2%	$3.5B+2.5%	$3.4B+5.4%	$3.2B+0.7%	$3.2B+5.7%	$3.0B+10.2%	$2.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$309.5M+0.6%	$307.6M+1.5%	$303.1M+1.6%	$298.4M+1.9%	$292.8M+2.7%	$285.1M+1.7%	$280.3M+0.4%	$279.1M
Retained Earnings	$286.4M+1.8%	$281.4M+1.8%	$276.6M+1.8%	$271.8M+1.8%	$267.1M+2.0%	$261.9M+1.9%	$257.1M+1.9%	$252.4M

CPSS Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$289.0M+23.6%	$233.8M-1.8%	$238.0M+10.2%	$215.9M+8.9%	$198.2M-17.0%	$238.8M
Capital Expenditures	$709K+63.7%	$433K-22.5%	$559K-74.0%	$2.1M+8.8%	$2.0M+8133.3%	$24K
Free Cash Flow	$288.3M+23.6%	$233.3M-1.7%	$237.4M+11.1%	$213.8M+9.0%	$196.2M-17.8%	$238.7M
Investing Cash Flow	-$590.1M+23.3%	-$769.7M-114.1%	-$359.5M+49.6%	-$713.9M-518.9%	-$115.4M-224.0%	$93.0M
Financing Cash Flow	$335.9M-38.7%	$547.9M+550.8%	$84.2M-82.6%	$484.2M+1060.0%	-$50.4M+84.6%	-$328.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$8.7M-32.4%	$12.8M-36.7%	$20.3M-56.0%	$46.1M+79.5%	$25.7M+2013.3%	$1.2M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$75.8M-10.8%	$84.9M+55.9%	$54.5M-26.3%	$73.9M+8.6%	$68.0M-2.5%	$69.8M+61.1%	$43.3M-17.9%	$52.7M
Capital Expenditures	$65K+32.7%	$49K-60.5%	$124K-73.7%	$471K+511.7%	$77K-23.0%	$100K-31.0%	$145K+30.6%	$111K
Free Cash Flow	$75.7M-10.8%	$84.9M+56.2%	$54.3M-26.0%	$73.4M+8.1%	$67.9M-2.5%	$69.7M+61.5%	$43.1M-18.0%	$52.6M
Investing Cash Flow	-$97.9M+25.5%	-$131.4M+21.2%	-$166.7M+14.1%	-$194.1M+16.6%	-$232.9M-6.3%	-$219.0M-4.7%	-$209.2M-92.6%	-$108.6M
Financing Cash Flow	$42.4M+11.0%	$38.2M-57.0%	$88.9M-46.5%	$166.3M+616.1%	$23.2M-85.6%	$161.7M-42.6%	$281.6M+245.7%	$81.5M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$2.6M+160.2%	$981K-80.9%	$5.1M	$0	$0-100.0%	$1.7M-82.5%	$9.5M+458.3%	$1.7M

CPSS Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.5%-0.4pp	4.9%-8.0pp	12.9%-13.2pp	26.1%+8.3pp	17.8%+9.8pp	8.0%
Return on Equity	6.2%-0.3pp	6.6%-9.9pp	16.5%-21.1pp	37.6%+9.7pp	27.9%+11.7pp	16.3%
Return on Assets	0.5%-0.0pp	0.5%-1.0pp	1.6%-1.6pp	3.1%+0.9pp	2.2%+1.2pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.46+0.5	10.93+1.4	9.57-1.5	11.05-0.6	11.69-3.4	15.09
FCF Margin	66.3%+7.1pp	59.3%-8.2pp	67.5%+2.6pp	64.8%-8.4pp	73.3%-14.8pp	88.0%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	4.5%+0.1pp	4.5%+0.1pp	4.4%-0.0pp	4.4%-0.5pp	4.9%+0.1pp	4.8%-0.1pp	4.9%-0.1pp	5.0%
Return on Equity	1.6%+0.0pp	1.6%0.0pp	1.6%+0.0pp	1.6%-0.2pp	1.8%+0.1pp	1.7%0.0pp	1.7%+0.0pp	1.6%
Return on Assets	0.1%0.0pp	0.1%0.0pp	0.1%0.0pp	0.1%-0.0pp	0.1%+0.0pp	0.1%0.0pp	0.1%-0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	11.46+0.1	11.39-0.0	11.42+0.1	11.31+0.4	10.93-0.2	11.15+0.4	10.72+1.0	9.77
FCF Margin	69.2%-9.1pp	78.3%+28.8pp	49.5%-19.2pp	68.7%+4.2pp	64.5%-4.8pp	69.3%+24.3pp	45.0%-12.3pp	57.3%

Similar Companies

Medallion Finacl MFIN

$199.1M

CPI Card Group Inc. PMTS

$165.6M

Open Lending Corporation LPRO

$144.7M

Oportun Financial Corp OPRT

$197.1M

Finance Of America Companies Inc FOA

$137.3M

Frequently Asked Questions

What is Consumer Port's annual revenue?

Consumer Port (CPSS) reported $434.5M in total revenue for fiscal year 2025. This represents a 10.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Consumer Port's revenue growing?

Consumer Port (CPSS) revenue grew by 10.4% year-over-year, from $393.5M to $434.5M in fiscal year 2025.

Is Consumer Port profitable?

Yes, Consumer Port (CPSS) reported a net income of $19.3M in fiscal year 2025, with a net profit margin of 4.5%.

What is Consumer Port's net profit margin?

Consumer Port (CPSS) had a net profit margin of 4.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Consumer Port's return on equity (ROE)?

Consumer Port (CPSS) has a return on equity of 6.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Consumer Port's free cash flow?

Consumer Port (CPSS) generated $288.3M in free cash flow during fiscal year 2025. This represents a 23.6% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Consumer Port's operating cash flow?

Consumer Port (CPSS) generated $289.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Consumer Port's total assets?

Consumer Port (CPSS) had $3.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Consumer Port's capital expenditures?

Consumer Port (CPSS) invested $709K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Consumer Port buy back shares?

Yes, Consumer Port (CPSS) spent $8.7M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Consumer Port have outstanding?

Consumer Port (CPSS) had 22M shares outstanding as of fiscal year 2025.

What is Consumer Port's debt-to-equity ratio?

Consumer Port (CPSS) had a debt-to-equity ratio of 11.46 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Consumer Port's return on assets (ROA)?

Consumer Port (CPSS) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Consumer Port's Piotroski F-Score?

Consumer Port (CPSS) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Consumer Port's earnings high quality?

Consumer Port (CPSS) has an earnings quality ratio of 14.95x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Consumer Port?

Consumer Port (CPSS) scores 44 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.