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

Consumer Portfolio Services (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 Portfolio Services (CPSS) Financials

CPSS

Trailing 12 months to June 30, 2026

Revenue $451.6M +6.9% YoY

Net Income $21.6M +11.2% YoY

EPS (Diluted) $0.92 +15.0% YoY

Free Cash Flow $349.5M +31.7% YoY

Market Cap $205.5M as of Oct 10, 2026

Price / Sales 0.5x on $451.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 9.5x on $21.6M net income, trailing 12 months to June 30, 2026

Price / Book 0.6x on $319.2M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 10, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CPSS SEC filings page.

Consumer Portfolio Services (CPSS) reported $451.6M in revenue over the twelve months to Jun 30, 2026, up 6.9% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CPSS FY2025 2026-10-03

Revenue expanded, but rising financing costs left profits thin while the balance sheet remained heavily funded by liabilities.

In FY2025, operating cash flow of $289M nearly matched free cash flow of $288M because capital spending was only $709K, yet net income was just $19M. That gap means reported cash generation is not a straightforward measure of earnings quality; it is being shaped by balance-sheet flows more than fixed-asset investment.

The business added scale without preserving profitability: revenue reached $434.5M in FY2025, while net margin fell from 26.1% in FY2022 to 4.5%. Over the same span, interest expense rose from $87.5M to $232.0M, indicating that financing costs absorbed much of the expanded operating base.

Leverage is the central balance-sheet feature: FY2025 liabilities of $3.55B supported $309.5M of equity, equivalent to 11.5x debt to equity. Assets grew from $2.90B in FY2023 to $3.86B in FY2025, but return on assets slipped from 1.6% to 0.5%, so the larger asset base produced less profit per dollar.

Financial Health Signals

Financial health score not available

Consumer Portfolio Services does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

3/6

Consumer Portfolio Services passes 3 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 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 Portfolio Services 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

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Earnings & Revenue

Revenue

$121.4M

YoY+10.6%

QoQ+8.1%

5Y CAGR+12.7%

10Y CAGR+1.5%

Consumer Portfolio Services generated $121.4M in revenue in Q2 2026. This represents an increase of 10.6% from the same quarter a year earlier. Against the prior quarter it is up 8.1%.

Net Income

$6.2M

YoY+30.0%

QoQ+12.5%

5Y CAGR-8.5%

10Y CAGR-1.5%

Consumer Portfolio Services reported $6.2M in net income in Q2 2026. This represents an increase of 30.0% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.

EPS (Diluted)

$0.27

YoY+35.0%

QoQ+12.5%

5Y CAGR-7.1%

10Y CAGR+0.8%

Consumer Portfolio Services earned $0.27 per diluted share (EPS) in Q2 2026. This represents an increase of 35.0% from the same quarter a year earlier. Against the prior quarter it is up 12.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$105.9M

YoY+94.9%

QoQ+27.6%

5Y CAGR+17.9%

10Y CAGR+7.3%

Consumer Portfolio Services generated $105.9M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 94.9% from the same quarter a year earlier. Against the prior quarter it is up 27.6%.

Cash & Debt

$7.5M

YoY-52.4%

QoQ+8.0%

5Y CAGR-29.5%

10Y CAGR-7.2%

Consumer Portfolio Services held $7.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

22M

YoY-3.0%

QoQ-0.7%

5Y CAGR-1.2%

10Y CAGR-1.0%

Consumer Portfolio Services had 22M shares outstanding in Q2 2026. This represents a decrease of 3.0% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

5.1%

YoY+0.8pp

QoQ+0.2pp

5Y change-9.4pp

10Y change-1.8pp

Consumer Portfolio Services's net profit margin was 5.1% in Q2 2026, showing the share of revenue converted to profit. This is up 0.8 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Return on Equity

1.9%

YoY+0.4pp

QoQ+0.2pp

Consumer Portfolio Services's ROE was 1.9% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$2.5M

YoY-52.1%

QoQ+99.1%

5Y CAGR+24.4%

10Y CAGR-3.1%

Consumer Portfolio Services spent $2.5M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 52.1% from the same quarter a year earlier. Against the prior quarter it is up 99.1%.

Capital Expenditures

$172K

YoY+38.7%

QoQ-78.4%

5Y CAGR-22.1%

10Y CAGR-6.1%

Consumer Portfolio Services invested $172K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 38.7% from the same quarter a year earlier. Against the prior quarter it is down 78.4%.

R&D Spending

Not reported for Q2 2026.

CPSS Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CPSS quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$451.6M	$434.5M+10.4%	$393.5M+11.8%	$352.0M+6.8%	$329.7M+23.1%	$267.8M-1.2%	$271.2M-21.6%	$345.8M-11.3%	$389.8M-10.3%	$434.4M+2.9%	$422.3M+16.1%	$363.6M+21.1%	$300.3M+17.4%	$255.8M+36.6%	$187.2M+30.8%	$143.1M
SG&A Expenses	$55.5M	$52.9M-3.4%	$54.7M+9.4%	$50.0M+32.9%	$37.6M+8.7%	$34.6M+8.2%	$32.0M-3.1%	$33.0M+6.3%	$31.0M+16.8%	$26.6M+7.0%	$24.8M+23.2%	$20.2M+4.7%	$19.3M+17.8%	$16.3M+5.9%	$15.4M+5.8%	$14.6M
Interest Expense	$242.7M	$232.0M+21.3%	$191.3M+30.4%	$146.6M+67.5%	$87.5M+16.3%	$75.2M-25.8%	$101.3M-8.3%	$110.5M+8.9%	$101.5M+9.9%	$92.3M+15.5%	$79.9M+38.4%	$57.7M+14.6%	$50.4M-13.4%	$58.2M-26.7%	$79.4M-4.4%	$83.1M
Income Tax	$9.7M	$8.7M+5.5%	$8.2M-47.8%	$15.8M-47.9%	$30.2M+65.8%	$18.2M+1270.3%	-$1.6M-141.5%	$3.8M-2.2%	$3.8M-86.4%	$28.3M+39.0%	$20.4M-23.7%	$26.7M+17.5%	$22.7M+40.6%	$16.2M+126.8%	-$60.2M	N/A
Net Income	$21.6M	$19.3M+0.6%	$19.2M-57.6%	$45.3M-47.3%	$86.0M+80.9%	$47.5M+119.2%	$21.7M+301.0%	$5.4M-63.6%	$14.9M+294.7%	$3.8M-87.2%	$29.3M-15.5%	$34.7M+17.5%	$29.5M+40.5%	$21.0M-69.7%	$69.4M+580.0%	-$14.5M
EPS (Basic)	N/A	$0.88-2.2%	$0.90-58.5%	$2.17-47.1%	$4.10+94.3%	$2.11+119.8%	$0.96+300.0%	$0.24-64.7%	$0.68+300.0%	$0.17-85.8%	$1.20-10.4%	$1.34+13.6%	$1.18+20.4%	$0.98-72.5%	$3.56+568.4%	-$0.76
EPS (Diluted)	$0.92	$0.80+1.3%	$0.79-56.1%	$1.80-44.3%	$3.23+75.5%	$1.84+104.4%	$0.90+309.1%	$0.22-62.7%	$0.59+321.4%	$0.14-86.1%	$1.01-8.2%	$1.10+19.6%	$0.92+37.3%	$0.67-75.4%	$2.72+457.9%	-$0.76
Diluted Shares (Avg)	N/A	24M-1.0%	24M-3.5%	25M-5.2%	27M+3.1%	26M+7.4%	24M-0.3%	24M-3.7%	25M-8.2%	27M-6.3%	29M-8.1%	32M-1.4%	32M+1.5%	32M+23.9%	25M+133903.1%	19,013

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$121.4M+10.6%	$112.3M+5.1%	$109.4M+3.9%	$108.4M+7.8%	$109.8M+14.5%	$106.9M+16.5%	$105.3M+14.5%	$100.6M+9.2%
SG&A Expenses	$14.7M+18.3%	$12.9M+2.7%	$14.5M+0.4%	$13.4M+1.1%	$12.4M-6.5%	$12.6M-8.7%	$14.4M+4.7%	$13.3M+1.8%
Interest Expense	$64.3M+9.5%	$60.1M+9.4%	$59.3M+12.9%	$59.1M+18.1%	$58.7M+25.7%	$54.9M+30.9%	$52.5M+30.4%	$50.1M+32.1%
Income Tax	$2.8M+30.0%	$2.5M+18.1%	$2.2M+1.4%	$2.2M+6.0%	$2.2M+7.8%	$2.1M+7.2%	$2.2M-17.0%	$2.1M-46.5%
Net Income	$6.2M+30.0%	$5.5M+18.0%	$5.0M-3.2%	$4.9M+1.2%	$4.8M+2.7%	$4.7M+2.3%	$5.1M-28.4%	$4.8M-53.8%
EPS (Basic)	$0.29+31.8%	$0.25+13.6%	$0.22-8.3%	$0.220.0%	$0.220.0%	$0.220.0%	$0.24-29.4%	$0.22-55.1%
EPS (Diluted)	$0.27+35.0%	$0.24+26.3%	$0.210.0%	$0.200.0%	$0.20+5.3%	$0.190.0%	$0.21-27.6%	$0.20-51.2%
Diluted Shares (Avg)	23M-2.9%	24M-3.3%	N/A	24M-0.4%	24M-0.3%	24M-1.1%	N/A	24M-4.2%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CPSS Balance Sheet

CPSS quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$3.9B+10.4%	$3.5B+20.3%	$2.9B+5.5%	$2.8B+27.5%	$2.2B+0.6%	$2.1B-15.5%	$2.5B+2.2%	$2.5B+2.5%	$2.4B+0.6%	$2.4B+13.2%	$2.1B+16.1%	$1.8B+31.3%	$1.4B+34.6%	$1.0B+16.6%	$890.0M
Cash & Equivalents	$6.3M-46.0%	$11.7M+89.7%	$6.2M-54.2%	$13.5M-54.9%	$29.9M+122.2%	$13.5M+154.3%	$5.3M-58.6%	$12.8M+0.4%	$12.7M-8.6%	$13.9M-27.9%	$19.3M+8.2%	$17.9M-19.2%	$22.1M+70.5%	$13.0M+28.5%	$10.1M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$3.5B+10.9%	$3.2B+21.8%	$2.6B+4.1%	$2.5B+26.9%	$2.0B-1.2%	$2.0B-13.9%	$2.3B+2.1%	$2.3B+2.1%	$2.2B+0.8%	$2.2B+13.0%	$2.0B+15.4%	$1.7B+31.0%	$1.3B+33.3%	$976.3M+8.0%	$904.3M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$24.2M-12.3%	$27.6M-64.1%	$76.8M-11.9%	$87.2M	N/A
Total Equity	$309.5M	$0-100.0%	$274.7M+20.3%	$228.4M+34.2%	$170.2M+27.6%	$133.4M+21.1%	$110.2M-44.1%	$197.1M+7.2%	$183.9M-1.2%	$186.2M+15.5%	$161.2M+26.6%	$127.3M+34.5%	$94.6M+54.3%	$61.3M+531.6%	-$14.2M
Retained Earnings	$286.4M+7.2%	$267.1M+7.7%	$247.9M+22.4%	$202.5M+73.8%	$116.5M+68.9%	$69.0M-50.6%	$139.8M+4.0%	$134.4M+12.4%	$119.5M+3.3%	$115.8M+33.9%	$86.5M+67.0%	$51.8M+132.5%	$22.3M+1653.9%	$1.3M+101.9%	-$68.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.4B+17.5%	$4.1B+10.3%	$3.9B+10.4%	$3.8B+10.0%	$3.8B+14.5%	$3.7B+22.2%	$3.5B+20.3%	$3.5B+20.2%
Cash & Equivalents	$7.5M-52.4%	$6.9M-76.7%	$6.3M-46.0%	$9.4M+16.3%	$15.8M+61.7%	$29.8M+125.2%	$11.7M+89.7%	$8.1M-2.8%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Total Liabilities	$4.1B+18.6%	$3.7B+10.8%	$3.5B+10.9%	$3.5B+10.2%	$3.5B+15.1%	$3.4B+23.7%	$3.2B+21.8%	$3.2B+21.5%
Total Equity	$319.2M+5.3%	$314.4M	$309.5M	$307.6M+7.9%	$303.1M+8.1%	$0-100.0%	$0-100.0%	$285.1M+7.2%
Retained Earnings	$298.2M+7.8%	$291.9M+7.4%	$286.4M+7.2%	$281.4M+7.4%	$276.6M+7.6%	$271.8M+7.6%	$267.1M+7.7%	$261.9M+8.8%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CPSS Cash Flow Statement

CPSS quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$350.5M	$289.0M+23.6%	$233.8M-1.8%	$238.0M+10.2%	$215.9M+8.9%	$198.2M-17.0%	$238.8M+10.1%	$216.8M+0.3%	$216.2M+0.3%	$215.6M+9.8%	$196.3M+4.7%	$187.6M+38.1%	$135.8M+36.7%	$99.4M+184.0%	$35.0M+224.1%	$10.8M
Depreciation & Amortization	N/A	$881K+2.2%	$862K+1.8%	$847K-47.7%	$1.6M-3.4%	$1.7M-6.1%	$1.8M+65.8%	$1.1M+8.5%	$992K+6.2%	$934K+20.2%	$777K+22.0%	$637K+48.8%	$428K-2.1%	$437K-19.5%	$543K-19.2%	$672K
Stock-Based Compensation	N/A	$2.7M-9.7%	$3.0M-14.6%	$3.5M-21.8%	$4.4M+121.4%	$2.0M+3.4%	$1.9M-6.6%	$2.1M-41.1%	$3.5M-38.5%	$5.7M+2.9%	$5.6M+10.5%	$5.0M+31.0%	$3.8M-0.8%	$3.9M+240.7%	$1.1M-25.9%	$1.5M
Capital Expenditures	$1.1M	$709K+63.7%	$433K-22.5%	$559K-74.0%	$2.1M+8.8%	$2.0M+8133.3%	$24K-96.8%	$751K-30.3%	$1.1M+61.0%	$669K-38.0%	$1.1M-9.4%	$1.2M+44.7%	$823K+72.5%	$477K+21.1%	$394K-2.5%	$404K
Free Cash Flow	$349.5M	$288.3M+23.6%	$233.3M-1.7%	$237.4M+11.1%	$213.8M+9.0%	$196.2M-17.8%	$238.7M+10.5%	$216.0M+0.4%	$215.1M+0.1%	$215.0M+10.1%	$195.3M+4.8%	$186.4M+38.0%	$135.0M+36.5%	$98.9M+185.9%	$34.6M+232.9%	$10.4M
Investing Cash Flow	-$926.3M	-$590.1M+23.3%	-$769.7M-114.1%	-$359.5M+49.6%	-$713.9M-518.9%	-$115.4M-224.0%	$93.0M+140.6%	-$229.4M+5.3%	-$242.2M-15.0%	-$210.6M+51.9%	-$437.8M+0.8%	-$441.3M	N/A	N/A	-$91.5M+41.0%	-$155.0M
Financing Cash Flow	$595.7M	$335.9M-38.7%	$547.9M+550.8%	$84.2M-82.6%	$484.2M+1060.0%	-$50.4M+84.6%	-$328.5M-1510.3%	$23.3M-25.8%	$31.4M+547.5%	-$7.0M-102.9%	$242.8M-4.9%	$255.2M	N/A	N/A	$59.4M-57.0%	$138.0M
Share Buybacks	$7.2M	$8.7M-32.4%	$12.8M-36.7%	$20.3M-56.0%	$46.1M+79.5%	$25.7M+2013.3%	$1.2M-15.6%	$1.4M-72.9%	$5.3M-57.0%	$12.3M+17.9%	$10.5M+76.6%	$5.9M	$0	$0-100.0%	$435K-16.8%	$523K

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$106.1M+94.8%	$83.8M+13.4%	$75.8M+11.4%	$84.9M+21.7%	$54.5M+25.8%	$73.9M+40.2%	$68.0M+21.3%	$69.8M+13.9%
Depreciation & Amortization	$249K0.0%	$225K-9.6%	$176K-17.0%	$207K-3.3%	$249K+12.7%	$249K+15.8%	$212K+3.4%	$214K+7.5%
Stock-Based Compensation	$578K-10.4%	$512K-28.6%	N/A	$500K-31.2%	$645K-20.3%	$717K-13.8%	N/A	$727K-10.9%
Capital Expenditures	$172K+38.7%	$796K+69.0%	$65K-15.6%	$49K-51.0%	$124K-14.5%	$471K+324.3%	$77K-72.7%	$100K-52.6%
Free Cash Flow	$105.9M+94.9%	$83.0M+13.1%	$75.7M+11.4%	$84.9M+21.8%	$54.3M+25.9%	$73.4M+39.6%	$67.9M+21.8%	$69.7M+14.1%
Investing Cash Flow	-$446.3M-167.7%	-$250.7M-29.1%	-$97.9M+58.0%	-$131.4M+40.0%	-$166.7M+20.3%	-$194.1M-78.7%	-$232.9M-178.0%	-$219.0M-164.9%
Financing Cash Flow	$335.0M+276.6%	$180.1M+8.3%	$42.4M+82.7%	$38.2M-76.4%	$88.9M-68.4%	$166.3M+104.2%	$23.2M+110.1%	$161.7M+1828.4%
Share Buybacks	$2.5M-52.1%	$1.2M	$2.6M	$981K-40.8%	$5.1M-45.8%	$0-100.0%	$0-100.0%	$1.7M+154.0%

Not reported in any period shown, so not listed: Dividends Paid.

CPSS Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CPSS quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	4.5%-0.4pp	4.9%-8.0pp	12.9%-13.2pp	26.1%+8.3pp	17.8%+9.8pp	8.0%+6.4pp	1.6%-2.3pp	3.8%+2.9pp	0.9%-6.1pp	6.9%-2.6pp	9.5%-0.3pp	9.8%+1.6pp	8.2%-28.9pp	37.1%+47.2pp	-10.1%
Return on Equity	6.2%	N/A	16.5%-21.1pp	37.6%+9.7pp	27.9%+11.7pp	16.3%+11.3pp	4.9%-2.6pp	7.5%+5.5pp	2.1%-13.7pp	15.7%-5.8pp	21.5%-1.7pp	23.2%+1.0pp	22.2%-91.0pp	113.2%	N/A
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%+0.8pp	0.2%-0.4pp	0.6%+0.4pp	0.2%-1.1pp	1.2%-0.4pp	1.6%0.0pp	1.6%+0.1pp	1.5%-5.2pp	6.7%+8.3pp	-1.6%
Debt-to-Equity	11.46	N/A	9.57-1.5x	11.05-0.6x	11.69-3.4x	15.09-6.1x	21.21+9.6x	11.61-0.6x	12.18+0.2x	11.94+11.8x	0.15-0.1x	0.22-0.6x	0.81-0.6x	1.42	N/A
Asset Turnover	0.110.0x	0.110.0x	0.120.0x	0.120.0x	0.120.0x	0.130.0x	0.140.0x	0.160.0x	0.180.0x	0.180.0x	0.170.0x	0.160.0x	0.180.0x	0.180.0x	0.16
FCF Margin	66.3%+7.1pp	59.3%-8.2pp	67.5%+2.6pp	64.8%-8.4pp	73.3%-14.8pp	88.0%+25.6pp	62.5%+7.3pp	55.2%+5.7pp	49.5%+3.3pp	46.2%-5.0pp	51.2%+6.3pp	45.0%+6.3pp	38.7%+20.2pp	18.5%+11.2pp	7.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	5.1%+0.8pp	4.9%+0.5pp	4.5%-0.3pp	4.5%-0.3pp	4.4%-0.5pp	4.4%-0.6pp	4.9%-2.9pp	4.8%-6.5pp
Return on Equity	1.9%+0.4pp	1.8%	1.6%	1.6%-0.1pp	1.6%-0.1pp	N/A	N/A	1.7%-2.2pp
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%-0.1pp	0.1%-0.2pp
Debt-to-Equity	12.85+1.4x	11.89	11.46	11.39+0.2x	11.42+0.7x	N/A	N/A	11.15+1.3x
Asset Turnover	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x	0.030.0x
FCF Margin	87.3%+37.8pp	73.9%+5.2pp	69.2%+4.7pp	78.3%+9.0pp	49.5%+4.5pp	68.7%+11.3pp	64.5%+3.8pp	69.3%+3.0pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Consumer Portfolio Services CPSS	FY2025	$434.5M	$19.3M	4.5%	$205.5M	—
Medallion Financial Corp MFIN	FY2025	$254.9M	$43.0M	16.9%	$272.8M	22/100
CPI Card Group Inc. PMTS	FY2025	$543.5M	$14.9M	2.8%	$296.1M	61/100
Open Lending Corporation LPRO	FY2025	$93.2M	-$4.2M	-4.5%	$371.5M	45/100
Oportun Financial Corporation OPRT	FY2025	$405.8M	$25.2M	6.2%	$410.2M	15/100
Finance of America Companies Inc. FOA	FY2025	$497.4M	$45.2M	9.1%	$118.2M	24/100

Where Consumer Portfolio Services Ranks

Frequently Asked Questions

What is Consumer Portfolio Services's annual revenue?

Consumer Portfolio Services (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 Portfolio Services's revenue growing?

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

Is Consumer Portfolio Services profitable?

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

What is Consumer Portfolio Services's net profit margin?

Consumer Portfolio Services (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 Portfolio Services's return on equity (ROE)?

Consumer Portfolio Services (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 Portfolio Services's free cash flow?

Consumer Portfolio Services (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 Portfolio Services's operating cash flow?

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

What are Consumer Portfolio Services's total assets?

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

What are Consumer Portfolio Services's capital expenditures?

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

Does Consumer Portfolio Services buy back shares?

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

How many shares does Consumer Portfolio Services have outstanding?

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

What is Consumer Portfolio Services's debt-to-equity ratio?

Consumer Portfolio Services (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 Portfolio Services's return on assets (ROA)?

Consumer Portfolio Services (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 Portfolio Services's P/E ratio?

Consumer Portfolio Services (CPSS) trades at 9.5x earnings, its market capitalization divided by net income of $21.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $205.5M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Consumer Portfolio Services's price-to-sales ratio?

Consumer Portfolio Services (CPSS) trades at 0.5x sales, its market capitalization divided by revenue of $451.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $205.5M as of Oct 10, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Consumer Portfolio Services's Piotroski F-Score?

Consumer Portfolio Services (CPSS) has a Piotroski F-Score of 3 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Consumer Portfolio Services's earnings high quality?

Consumer Portfolio Services (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.