Every 10-Q that Consumer Portfolio Services (CPSS) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow CPSS and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full CPSS filings page.
Consumer Portfolio Services, Inc. reported stronger results for Q2 2026, with revenue of $121,389 thousand and net income of $6,234 thousand (diluted EPS $0.27), compared with $109,764 thousand and $4,797 thousand a year earlier. For the first half of 2026, revenue was $233,723 thousand and net income $11,773 thousand (diluted EPS $0.50). Growth was driven mainly by a larger loan portfolio, as average interest-earning assets increased while the net interest yield remained at 5.1%. Unlike 2025, results did not include any positive fair-value marks on receivables; other income rose on dealer recoveries.
Finance receivables measured at fair value reached $4,212,167 thousand within total assets of $4,422,221 thousand, funded largely by $3,131,105 thousand of securitization trust debt and $679,900 thousand of warehouse lines. Operating cash flow for the first half improved to $189,871 thousand, supporting $3,694 thousand of share repurchases. Management states the company was in compliance with all financial covenants. After quarter end, the Citibank revolving facility capacity increased from $335 million to $508 million, and a new term securitization issued $716.88 million of notes at a weighted average interest rate of approximately 5.90%.
Consumer Portfolio Services, Inc. reported Q1 2026 revenue of $112.3 million, up 5.1% from the prior-year quarter, driven by higher interest income on a larger auto loan portfolio. Net income rose to $5.5 million, with diluted EPS of $0.24 versus $0.19 a year earlier.
Total assets reached $4.1 billion, and finance receivables measured at fair value grew to $3.84 billion. The company relies heavily on securitization trust debt of $3.0 billion and warehouse credit lines of $467.1 million to fund originations. Annualized net charge-offs increased to 8.57% of the managed portfolio, and total delinquencies plus repossessions represented 12.86% of the gross servicing portfolio. Management states it was in compliance with all financial covenants and continued to expand funding capacity through new and amended warehouse and residual interest financing facilities.
Consumer Portfolio Services (CPSS) reported Q3 2025 results with total revenues of $108.4 million, up from $100.6 million a year ago, driven by higher interest income as the loan portfolio grew. Net income was $4.9 million with diluted EPS of $0.20 (basic $0.22).
Interest income rose to $107.2 million (up 15%), reflecting a larger average portfolio and an 11.4% yield. The quarter included no fair value mark to receivables, compared with a $5.5 million mark-up in the prior year. Total expenses were $101.4 million, including interest expense of $59.1 million.
At September 30, 2025, total assets were $3.81 billion, including finance receivables at fair value of $3.62 billion. Securitization trust debt was $2.92 billion and warehouse lines outstanding were $340.6 million. Nine-month operating cash flow was $213.2 million. The company repurchased 641,299 shares at an average price of $9.54.
Subsequent to quarter-end, CPSS closed a new $167.5 million Capital One warehouse facility on October 17, 2025 and executed a $384.6 million term securitization on October 23, 2025 with a weighted average yield of about 5.72%.
Consumer Portfolio Services, Inc. reported rising revenue and portfolio growth while absorbing higher funding costs. Total revenues were $109.8 million for the quarter, up 14.5% from $95.9 million a year earlier, driven by interest income of $105.4 million as the average loan portfolio grew about 18% and interest yield edged to 11.4% from 11.3%. The company recorded a $3.0 million net mark to fair value on receivables measured at fair value and reported net income of $4.8 million, or $0.22 basic EPS for the quarter.
Assets increased to $3.764 billion with finance receivables measured at fair value of $3.559 billion. Interest expense rose to $58.7 million (up $12.0 million), pressuring net interest yield to 5.1% from 5.3%. Securitization trust debt totaled $2.813 billion and restricted cash was $144.4 million; the company stated it was in compliance with financial covenants. Legal contingencies were estimated not to exceed $3.2 million.