CONSUMER PORTFOLIO SERVICES, INC.CPSSEarnings & Financial Report
Consumer Portfolio Services, Inc. is a U.S. specialty finance firm providing indirect auto loan financing and servicing for consumers with limited or subprime credit. It partners with franchised and independent car dealerships nationwide to originate installment contracts for new and used vehicle purchases.
Revenue
$109.8M
Gross Profit
N/A
Operating Profit
$7.0M
Net Profit
$4.8M
Gross Margin
N/A
Operating Margin
6.3%
Net Margin
4.4%
YoY Growth
14.5%
EPS
$0.20
CONSUMER PORTFOLIO SERVICES, INC. Q2 FY2025 Financial Summary
CONSUMER PORTFOLIO SERVICES, INC. reported revenue of $109.8M (up 14.5% YoY) for Q2 FY2025, with a net profit of $4.8M (up 2.7% YoY) (4.4% margin).
Key Financial Metrics
| Total Revenue | $109.8M |
|---|---|
| Net Profit | $4.8M |
| Gross Margin | N/A |
| Operating Margin | 6.3% |
| Report Period | Q2 FY2025 |
CONSUMER PORTFOLIO SERVICES, INC. Annual Revenue by Year
CONSUMER PORTFOLIO SERVICES, INC. annual revenue history includes year-by-year totals (for example, 2025 revenue was $434.5M).
| Year | Annual Revenue |
|---|---|
| 2025 | $434.5M |
| 2024 | $393.5M |
| 2023 | $352.0M |
| 2022 | $329.7M |
CONSUMER PORTFOLIO SERVICES, INC. Quarterly Revenue & Net Profit History
CONSUMER PORTFOLIO SERVICES, INC. results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $109.4M | +3.9% | $5.0M | 4.6% |
| Q3 FY2025 | $108.4M | +7.8% | $4.9M | 4.5% |
| Q2 FY2025 | $109.8M | +14.5% | $4.8M | 4.4% |
| Q1 FY2025 | $106.9M | +16.5% | $4.7M | 4.4% |
| Q4 FY2024 | $105.3M | +14.5% | $5.1M | 4.9% |
| Q3 FY2024 | $100.6M | +9.2% | $4.8M | 4.8% |
| Q2 FY2024 | $95.9M | +13.0% | $4.7M | 4.9% |
| Q1 FY2024 | $91.7M | +10.4% | $4.6M | 5.0% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $91.7M | $95.9M | $100.6M | $105.3M | $106.9M | $109.8M | $108.4M | $109.4M |
| YoY Growth | 10.4% | 13.0% | 9.2% | 14.5% | 16.5% | 14.5% | 7.8% | 3.9% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $3.01B | $3.29B | $3.46B | $3.49B | $3.67B | $3.76B | $3.81B | $3.86B |
| Liabilities | $2.73B | $3.01B | $3.18B | $3.20B | $3.38B | $3.46B | $3.50B | $3.55B |
| Equity | $279.1M | $280.3M | $285.1M | $292.8M | $298.4M | $303.1M | $307.6M | $309.5M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $52.7M | $43.3M | $69.8M | $233.8M | $73.9M | $54.5M | $84.9M | $289.0M |