vs

Side-by-side financial comparison of CONSUMER PORTFOLIO SERVICES, INC. (CPSS) and California Resources Corp (CRC). Click either name above to swap in a different company.

California Resources Corp is the larger business by last-quarter revenue ($119.0M vs $109.4M, roughly 1.1× CONSUMER PORTFOLIO SERVICES, INC.). CONSUMER PORTFOLIO SERVICES, INC. produced more free cash flow last quarter ($288.3M vs $-32.0M). Over the past eight quarters, CONSUMER PORTFOLIO SERVICES, INC.'s revenue compounded faster (9.2% CAGR vs -46.3%).

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.

California Resources Corporation is an American energy corporation engaged in hydrocarbon exploration in California. It is organized in Delaware and headquartered in Long Beach, California. Its mineral acreage holdings in California constitute the largest privately held position in the state.

CPSS vs CRC — Head-to-Head

Bigger by revenue
CRC
CRC
1.1× larger
CRC
$119.0M
$109.4M
CPSS
More free cash flow
CPSS
CPSS
$320.3M more FCF
CPSS
$288.3M
$-32.0M
CRC
Faster 2-yr revenue CAGR
CPSS
CPSS
Annualised
CPSS
9.2%
-46.3%
CRC

Income Statement — Q4 FY2025 vs Q1 FY2026

Metric
CPSS
CPSS
CRC
CRC
Revenue
$109.4M
$119.0M
Net Profit
$5.0M
Gross Margin
Operating Margin
6.6%
-597.5%
Net Margin
4.6%
Revenue YoY
3.9%
Net Profit YoY
-3.2%
EPS (diluted)
$0.21
$-8.02

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CPSS
CPSS
CRC
CRC
Q1 26
$119.0M
Q4 25
$109.4M
$679.0M
Q3 25
$108.4M
$715.0M
Q2 25
$109.8M
$702.0M
Q1 25
$106.9M
$814.0M
Q4 24
$105.3M
$826.0M
Q3 24
$100.6M
$870.0M
Q2 24
$95.9M
$412.0M
Net Profit
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
$5.0M
$12.0M
Q3 25
$4.9M
$64.0M
Q2 25
$4.8M
$172.0M
Q1 25
$4.7M
$115.0M
Q4 24
$5.1M
$33.0M
Q3 24
$4.8M
$345.0M
Q2 24
$4.7M
$8.0M
Operating Margin
CPSS
CPSS
CRC
CRC
Q1 26
-597.5%
Q4 25
6.6%
6.9%
Q3 25
6.5%
13.7%
Q2 25
6.3%
38.0%
Q1 25
6.4%
22.9%
Q4 24
7.0%
8.2%
Q3 24
6.8%
59.5%
Q2 24
7.0%
9.2%
Net Margin
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
4.6%
1.8%
Q3 25
4.5%
9.0%
Q2 25
4.4%
24.5%
Q1 25
4.4%
14.1%
Q4 24
4.9%
4.0%
Q3 24
4.8%
39.7%
Q2 24
4.9%
1.9%
EPS (diluted)
CPSS
CPSS
CRC
CRC
Q1 26
$-8.02
Q4 25
$0.21
$0.21
Q3 25
$0.20
$0.76
Q2 25
$0.20
$1.92
Q1 25
$0.19
$1.26
Q4 24
$0.21
$0.87
Q3 24
$0.20
$3.78
Q2 24
$0.19
$0.11

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CPSS
CPSS
CRC
CRC
Cash + ST InvestmentsLiquidity on hand
$6.3M
Total DebtLower is stronger
Stockholders' EquityBook value
$309.5M
$2.9B
Total Assets
$3.9B
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
$6.3M
$132.0M
Q3 25
$9.4M
$196.0M
Q2 25
$15.8M
$72.0M
Q1 25
$29.8M
$214.0M
Q4 24
$11.7M
$372.0M
Q3 24
$8.1M
$241.0M
Q2 24
$9.8M
$1.0B
Total Debt
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
Q3 25
$1.0B
Q2 25
$1.0B
Q1 25
$1.0B
Q4 24
$1.1B
Q3 24
$1.1B
Q2 24
$1.2B
Stockholders' Equity
CPSS
CPSS
CRC
CRC
Q1 26
$2.9B
Q4 25
$309.5M
$3.7B
Q3 25
$307.6M
$3.4B
Q2 25
$303.1M
$3.4B
Q1 25
$298.4M
$3.5B
Q4 24
$292.8M
$3.5B
Q3 24
$285.1M
$3.5B
Q2 24
$280.3M
$2.1B
Total Assets
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
$3.9B
$7.4B
Q3 25
$3.8B
$6.8B
Q2 25
$3.8B
$6.7B
Q1 25
$3.7B
$6.8B
Q4 24
$3.5B
$7.1B
Q3 24
$3.5B
$7.1B
Q2 24
$3.3B
$4.5B
Debt / Equity
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
Q3 25
0.29×
Q2 25
0.30×
Q1 25
0.29×
Q4 24
0.32×
Q3 24
0.32×
Q2 24
0.57×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CPSS
CPSS
CRC
CRC
Operating Cash FlowLast quarter
$289.0M
$99.0M
Free Cash FlowOCF − Capex
$288.3M
$-32.0M
FCF MarginFCF / Revenue
263.5%
-26.9%
Capex IntensityCapex / Revenue
0.6%
Cash ConversionOCF / Net Profit
58.02×
TTM Free Cash FlowTrailing 4 quarters
$500.9M
$380.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CPSS
CPSS
CRC
CRC
Q1 26
$99.0M
Q4 25
$289.0M
$235.0M
Q3 25
$84.9M
$279.0M
Q2 25
$54.5M
$165.0M
Q1 25
$73.9M
$186.0M
Q4 24
$233.8M
$206.0M
Q3 24
$69.8M
$220.0M
Q2 24
$43.3M
$97.0M
Free Cash Flow
CPSS
CPSS
CRC
CRC
Q1 26
$-32.0M
Q4 25
$288.3M
$115.0M
Q3 25
$84.9M
$188.0M
Q2 25
$54.3M
$109.0M
Q1 25
$73.4M
$131.0M
Q4 24
$233.3M
$118.0M
Q3 24
$69.7M
$141.0M
Q2 24
$43.1M
$63.0M
FCF Margin
CPSS
CPSS
CRC
CRC
Q1 26
-26.9%
Q4 25
263.5%
16.9%
Q3 25
78.3%
26.3%
Q2 25
49.5%
15.5%
Q1 25
68.7%
16.1%
Q4 24
221.6%
14.3%
Q3 24
69.3%
16.2%
Q2 24
45.0%
15.3%
Capex Intensity
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
0.6%
17.7%
Q3 25
0.0%
12.7%
Q2 25
0.1%
8.0%
Q1 25
0.4%
6.8%
Q4 24
0.4%
10.7%
Q3 24
0.1%
9.1%
Q2 24
0.2%
8.3%
Cash Conversion
CPSS
CPSS
CRC
CRC
Q1 26
Q4 25
58.02×
19.58×
Q3 25
17.50×
4.36×
Q2 25
11.35×
0.96×
Q1 25
15.74×
1.62×
Q4 24
45.43×
6.24×
Q3 24
14.55×
0.64×
Q2 24
9.27×
12.13×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Related Comparisons