CPSS
CONSUMER PORTFOLIO SERVICES, INC.
NASDAQ · Financial Services · Financial - Credit Services · US
$10.16
+2.01%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 475.0M | 428.0M | 393.5M | 352.0M | 329.7M |
| Cost of Revenue | 59.3M | 1.8M | 185.9M | 124.3M | 59.4M |
| Gross Profit | 415.8M | 426.2M | 207.6M | 227.7M | 270.3M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 84.9M | 52.9M | 173.7M | 159.4M | 144.9M |
| General & Admin Expense | 79.4M | 52.9M | 150.9M | 138.1M | 121.9M |
| Selling & Marketing Expense | 5.5M | — | 22.8M | 21.2M | 23.0M |
| Other Expenses | 101.7M | 113.3M | 6.5M | 7.2M | 9.2M |
| Total Operating Expenses | 186.6M | 166.2M | 180.1M | 166.6M | 154.1M |
| Cost and Expenses | 245.9M | 167.9M | 366.1M | 290.9M | 213.5M |
| Operating Income (EBIT) | 229.2M | 260.0M | 27.4M | 61.1M | 116.2M |
| Non-Operating | |||||
| Interest Income | 464.2M | 422.7M | 385.0M | 341.2M | 320.5M |
| Interest Expense | 254.1M | 232.0M | 191.3M | 146.6M | 87.5M |
| Net Interest Income | 210.0M | 190.7M | 193.7M | 194.6M | 233.0M |
| Other Non-Op Income/Expense | (194.8M) | (232.0M) | — | — | — |
| Non-Operating Income (excl Interest) | — | — | — | — | — |
| EBT (Pre-Tax Income) | 34.4M | 28.0M | 27.4M | 61.1M | 116.2M |
| Income Tax Expense | 10.7M | 8.7M | 8.2M | 15.8M | 30.2M |
| Bottom Line | |||||
| Net Income | 23.7M | 19.3M | 19.2M | 45.3M | 86.0M |
| Earnings from Cont. Ops | 23.7M | 19.3M | 19.2M | 45.3M | 86.0M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 23.7M | 19.3M | 19.2M | 45.3M | 86.0M |
| Per Share | |||||
| Basic EPS | $1.09 | $0.88 | $0.90 | $2.17 | $4.10 |
| Diluted EPS | $1.01 | $0.80 | $0.79 | $1.80 | $3.23 |
| Revenue Per Share | $21.75 | $19.55 | $18.48 | $16.85 | $15.73 |
| Shares | |||||
| Basic Shares Outstanding | 21.8M | 21.9M | 21.3M | 20.9M | 21.0M |
| Diluted Shares Outstanding | 23.3M | 24.1M | 24.3M | 25.2M | 26.6M |
| Profitability Metrics | |||||
| EBITDA | 229.8M | 260.0M | 28.3M | 61.9M | 117.8M |
| D&A | 650.0K | 881.0K | 862.0K | 847.0K | 1.6M |
| EBIT | 229.2M | 260.0M | 27.4M | 61.1M | 116.2M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026