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Side-by-side financial comparison of CONSUMER PORTFOLIO SERVICES, INC. (CPSS) and PAR TECHNOLOGY CORP (PAR). Click either name above to swap in a different company.
PAR TECHNOLOGY CORP is the larger business by last-quarter revenue ($120.1M vs $109.4M, roughly 1.1× CONSUMER PORTFOLIO SERVICES, INC.). On growth, PAR TECHNOLOGY CORP posted the faster year-over-year revenue change (14.4% vs 3.9%). CONSUMER PORTFOLIO SERVICES, INC. produced more free cash flow last quarter ($288.3M vs $-12.5M). Over the past eight quarters, PAR TECHNOLOGY CORP's revenue compounded faster (30.9% CAGR vs 9.2%).
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.
PAR Technology Corp is a global provider of point-of-sale systems, restaurant management software, and integrated tech solutions. Its core segments serve food service, hospitality, and government security markets, offering cloud tools to streamline operations, enhance customer experiences, and boost efficiency for enterprise and small-to-medium clients.
CPSS vs PAR — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $109.4M | $120.1M |
| Net Profit | $5.0M | — |
| Gross Margin | — | 41.2% |
| Operating Margin | 6.6% | -15.0% |
| Net Margin | 4.6% | — |
| Revenue YoY | 3.9% | 14.4% |
| Net Profit YoY | -3.2% | — |
| EPS (diluted) | $0.21 | $-0.52 |
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.
| Q4 25 | $109.4M | $120.1M | ||
| Q3 25 | $108.4M | $119.2M | ||
| Q2 25 | $109.8M | $112.4M | ||
| Q1 25 | $106.9M | $103.9M | ||
| Q4 24 | $105.3M | $105.0M | ||
| Q3 24 | $100.6M | $96.8M | ||
| Q2 24 | $95.9M | $78.2M | ||
| Q1 24 | $91.7M | $70.1M |
| Q4 25 | $5.0M | — | ||
| Q3 25 | $4.9M | $-18.2M | ||
| Q2 25 | $4.8M | $-21.0M | ||
| Q1 25 | $4.7M | $-24.4M | ||
| Q4 24 | $5.1M | — | ||
| Q3 24 | $4.8M | $-19.8M | ||
| Q2 24 | $4.7M | $54.2M | ||
| Q1 24 | $4.6M | $-18.3M |
| Q4 25 | — | 41.2% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 45.4% | ||
| Q1 25 | — | 46.5% | ||
| Q4 24 | — | 42.9% | ||
| Q3 24 | — | 44.5% | ||
| Q2 24 | — | 41.0% | ||
| Q1 24 | — | 37.2% |
| Q4 25 | 6.6% | -15.0% | ||
| Q3 25 | 6.5% | -14.8% | ||
| Q2 25 | 6.3% | -15.4% | ||
| Q1 25 | 6.4% | -15.2% | ||
| Q4 24 | 7.0% | -15.6% | ||
| Q3 24 | 6.8% | -15.7% | ||
| Q2 24 | 7.0% | -26.5% | ||
| Q1 24 | 7.1% | -38.2% |
| Q4 25 | 4.6% | — | ||
| Q3 25 | 4.5% | -15.3% | ||
| Q2 25 | 4.4% | -18.7% | ||
| Q1 25 | 4.4% | -23.4% | ||
| Q4 24 | 4.9% | — | ||
| Q3 24 | 4.8% | -20.5% | ||
| Q2 24 | 4.9% | 69.3% | ||
| Q1 24 | 5.0% | -26.1% |
| Q4 25 | $0.21 | $-0.52 | ||
| Q3 25 | $0.20 | $-0.45 | ||
| Q2 25 | $0.20 | $-0.52 | ||
| Q1 25 | $0.19 | $-0.60 | ||
| Q4 24 | $0.21 | $-0.56 | ||
| Q3 24 | $0.20 | $-0.56 | ||
| Q2 24 | $0.19 | $1.60 | ||
| Q1 24 | $0.19 | $-0.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $6.3M | $80.1M |
| Total DebtLower is stronger | — | $394.0M |
| Stockholders' EquityBook value | $309.5M | $825.1M |
| Total Assets | $3.9B | $1.4B |
| Debt / EquityLower = less leverage | — | 0.48× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $6.3M | $80.1M | ||
| Q3 25 | $9.4M | $93.0M | ||
| Q2 25 | $15.8M | $85.7M | ||
| Q1 25 | $29.8M | $92.2M | ||
| Q4 24 | $11.7M | $108.6M | ||
| Q3 24 | $8.1M | $118.4M | ||
| Q2 24 | $9.8M | $142.5M | ||
| Q1 24 | $13.2M | $72.5M |
| Q4 25 | — | $394.0M | ||
| Q3 25 | — | $393.4M | ||
| Q2 25 | — | $392.8M | ||
| Q1 25 | — | $392.3M | ||
| Q4 24 | — | $368.4M | ||
| Q3 24 | — | $466.7M | ||
| Q2 24 | — | $378.7M | ||
| Q1 24 | — | $378.2M |
| Q4 25 | $309.5M | $825.1M | ||
| Q3 25 | $307.6M | $838.0M | ||
| Q2 25 | $303.1M | $859.1M | ||
| Q1 25 | $298.4M | $852.0M | ||
| Q4 24 | $292.8M | $871.7M | ||
| Q3 24 | $285.1M | $692.7M | ||
| Q2 24 | $280.3M | $588.3M | ||
| Q1 24 | $279.1M | $526.4M |
| Q4 25 | $3.9B | $1.4B | ||
| Q3 25 | $3.8B | $1.4B | ||
| Q2 25 | $3.8B | $1.4B | ||
| Q1 25 | $3.7B | $1.4B | ||
| Q4 24 | $3.5B | $1.4B | ||
| Q3 24 | $3.5B | $1.3B | ||
| Q2 24 | $3.3B | $1.1B | ||
| Q1 24 | $3.0B | $1.0B |
| Q4 25 | — | 0.48× | ||
| Q3 25 | — | 0.47× | ||
| Q2 25 | — | 0.46× | ||
| Q1 25 | — | 0.46× | ||
| Q4 24 | — | 0.42× | ||
| Q3 24 | — | 0.67× | ||
| Q2 24 | — | 0.64× | ||
| Q1 24 | — | 0.72× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $289.0M | $-11.8M |
| Free Cash FlowOCF − Capex | $288.3M | $-12.5M |
| FCF MarginFCF / Revenue | 263.5% | -10.4% |
| Capex IntensityCapex / Revenue | 0.6% | 0.7% |
| Cash ConversionOCF / Net Profit | 58.02× | — |
| TTM Free Cash FlowTrailing 4 quarters | $500.9M | $-30.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $289.0M | $-11.8M | ||
| Q3 25 | $84.9M | $8.4M | ||
| Q2 25 | $54.5M | $-6.6M | ||
| Q1 25 | $73.9M | $-17.2M | ||
| Q4 24 | $233.8M | $3.4M | ||
| Q3 24 | $69.8M | $8.8M | ||
| Q2 24 | $43.3M | $-13.8M | ||
| Q1 24 | $52.7M | $-23.6M |
| Q4 25 | $288.3M | $-12.5M | ||
| Q3 25 | $84.9M | $7.0M | ||
| Q2 25 | $54.3M | $-7.4M | ||
| Q1 25 | $73.4M | $-17.6M | ||
| Q4 24 | $233.3M | $3.2M | ||
| Q3 24 | $69.7M | $8.4M | ||
| Q2 24 | $43.1M | $-14.2M | ||
| Q1 24 | $52.6M | $-23.6M |
| Q4 25 | 263.5% | -10.4% | ||
| Q3 25 | 78.3% | 5.9% | ||
| Q2 25 | 49.5% | -6.6% | ||
| Q1 25 | 68.7% | -16.9% | ||
| Q4 24 | 221.6% | 3.0% | ||
| Q3 24 | 69.3% | 8.7% | ||
| Q2 24 | 45.0% | -18.2% | ||
| Q1 24 | 57.3% | -33.7% |
| Q4 25 | 0.6% | 0.7% | ||
| Q3 25 | 0.0% | 1.1% | ||
| Q2 25 | 0.1% | 0.7% | ||
| Q1 25 | 0.4% | 0.4% | ||
| Q4 24 | 0.4% | 0.2% | ||
| Q3 24 | 0.1% | 0.4% | ||
| Q2 24 | 0.2% | 0.5% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 58.02× | — | ||
| Q3 25 | 17.50× | — | ||
| Q2 25 | 11.35× | — | ||
| Q1 25 | 15.74× | — | ||
| Q4 24 | 45.43× | — | ||
| Q3 24 | 14.55× | — | ||
| Q2 24 | 9.27× | -0.26× | ||
| Q1 24 | 11.48× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPSS
Segment breakdown not available.
PAR
| Subscription Service | $76.1M | 63% |
| Hardware | $27.8M | 23% |
| Professional Service | $16.2M | 13% |
