Consumer Port Stock Price, News & Analysis

Consumer Portfolio Services (Nasdaq: CPSS) reported third quarter 2025 results for the period ended September 30, 2025. Quarter revenue was $108.4 million, up 7.8% year‑over‑year, and net income was $4.9 million, or $0.20 diluted EPS, roughly flat with Q3 2024. Nine‑month revenue rose 12.8% to $325.1 million and nine‑month net income increased to $14.3 million.

The company purchased $391.1 million of new contracts in the quarter and reported total receivables of $3.760 billion as of September 30, 2025. Interest expense increased quarter over quarter to $59.1 million. Annualized net charge‑offs were 8.01% of the average portfolio and total delinquencies (including repossession inventory) were 13.96%.

Consumer Portfolio Services (Nasdaq: CPSS) will host a conference call on Tuesday, November 11, 2025 at 1:00 p.m. ET to discuss third quarter 2025 operating results.

Participants can pre-register at the provided registration link and will receive dial-in details by email. Participants are encouraged to dial in 15 minutes early to avoid delays. A replay will be available beginning two hours after the call and accessible for 12 months via the company's investor relations website.

Investor relations contact: Danny Bharwani, Chief Financial Officer, 949-753-6811.

Consumer Portfolio Services (Nasdaq: CPSS) closed a $384.6 million senior subordinate asset-backed securitization (CPS Auto Receivables Trust 2025-D) on October 23, 2025.

The transaction sold $384.6 million of notes backed by $392.46 million in automobile receivables and consisted of five classes (A–E). Ratings agency coverage included S&P and DBRS Morningstar, with the senior class receiving AAA ratings from both agencies and the weighted average coupon on the notes at approximately 5.72%.

Initial credit enhancement included a 1.00% cash deposit and 2.00% overcollateralization, with an accelerated principal requirement to reach the lesser of 7.00% of the original pool or 21.00% of the outstanding pool.

Consumer Portfolio Services (Nasdaq: CPSS) closed a $167.5 million two-year revolving credit facility on October 17, 2025. Loans under the agreement are secured by automobile receivables CPS holds or will acquire from dealers, and the facility includes a subordinate lender that provides a higher effective advance rate.

CPS may borrow on a revolving basis through October 2027, after which it can repay outstanding loans in full or allow them to amortize over an 18-month period. The company warned that defaults or events of default could terminate the revolving period or accelerate maturity, citing potential losses from receivables performance, higher consumer bankruptcies, regulatory changes, or adverse economic conditions.

Consumer Portfolio Services (Nasdaq: CPSS), a leading provider of indirect automobile financing, will participate in the 2025 Annual Gateway Conference in San Francisco. The company's management team will deliver a presentation on September 3rd at 1:30 PM PT at the Four Seasons Hotel.

The presentation will be available via live webcast with replay options. Company executives will also conduct one-on-one meetings with attendees throughout the conference. Interested parties can request invitations or schedule meetings by contacting conference@gateway-grp.com.

Consumer Portfolio Services (Nasdaq: CPSS) reported strong Q2 2025 financial results with net income of $4.8 million ($0.20 per diluted share), up from $4.7 million ($0.19 per diluted share) in Q2 2024. Revenues increased 14.5% to $109.8 million, compared to $95.9 million in the prior year period.

Key highlights include: record-high shareholder's equity exceeding $300 million for the first time, new contract purchases of $433.0 million, and total receivables reaching $3.708 billion. The company's portfolio showed a slight improvement in delinquencies over 30 days at 13.14% compared to 13.29% year-over-year, while annualized net charge-offs increased to 7.45% from 7.26%.

Consumer Portfolio Services (NASDAQ:CPSS) announced it will host a conference call on Tuesday, August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results. Participants can pre-register for the call through a provided link and should dial in fifteen minutes before the start time.

A replay of the call will be available for 12 months on the company's investor relations website. CPSS operates as an independent specialty finance company providing indirect automobile financing to individuals with past credit problems or limited credit histories.

Consumer Portfolio Services (Nasdaq: CPSS) has successfully closed its third term securitization of 2025, marking its 56th senior subordinate securitization since 2011. The transaction involved $418.33 million of asset-backed notes secured by $433.50 million in automobile receivables.

The securitization, issued through CPS Auto Receivables Trust 2025-C, consists of five note classes with ratings from Standard & Poor's and DBRS Morningstar. The weighted average coupon is 5.43%, with initial credit enhancement including a 1.00% cash deposit and 3.50% overcollateralization of the original receivable pool balance.

Consumer Portfolio Services (CPSS) reported strong Q1 2025 financial results with net income of $4.7 million ($0.19 per diluted share), slightly up from $4.6 million in Q1 2024. Revenues increased 16.6% to $106.9 million compared to $91.7 million in the prior year. The company achieved its highest-ever total portfolio balance of $3.615 billion and recorded significant Q1 loan originations of $451.2 million. Credit metrics showed improvement with annualized net charge-offs decreasing to 7.54% (vs 7.84% in Q1 2024) and delinquencies over 30 days slightly improving to 12.35% (vs 12.39% in Q1 2024). Operating expenses increased to $100.1 million from $85.2 million in the previous year.