CONSUMER PORTFOLIO SERVICES, INC. (CPSS)

9.42 +0.43% (+0.04)

Over 1Y: +16.9%

2026-08-28
Style
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8 9 10
Aug Oct Dec Feb Apr Jun Aug

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

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Q3 '25 — Revenue: 108.4M Q3 '25 — Operating Cash Flow: 84.9M Q3 '25 — Free Cash Flow: 84.9M Q3 '25 — Net Income: 4.9M Q4 '25 — Revenue: 109.4M Q4 '25 — Operating Cash Flow: 75.8M Q4 '25 — Free Cash Flow: 75.7M Q4 '25 — Net Income: 5M Q1 '26 — Revenue: 112.3M Q1 '26 — Operating Cash Flow: 83.8M Q1 '26 — Free Cash Flow: 83M Q1 '26 — Net Income: 5.5M Q2 '26 — Revenue: 121.4M Q2 '26 — Operating Cash Flow: 106.1M Q2 '26 — Free Cash Flow: 105.9M Q2 '26 — Net Income: 6.2M 0 25M 50M 75M 100M 125M
Q3 '25 Q4 '25 Q1 '26 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 61 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

4.7
OE margin 76.9%
SBC / sales 0.53%
ROIC 2.1%
Accruals -7.4%
FCF margin 77.4%
OCF / EBIT 11.2×
OCF margin 77.6%
ROA 0.49%
ROE 6.8%
Gross margin —
ROCE —

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5
Div. yield —
EV/EBIT —
EV/GP —
EV/OE —
EV/Sales —
FCF yield —
Fwd P/E —
P/B —
P/C —
P/E —
PEG —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.4
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

1.8
ND/EBITDA —
Payout 0.0%
Debt payback 2.5 yr
F-score 6.0 pts
Cash / Debt 0.0085×
Debt / Eq 2.8×
Cash runway —
Current ratio —
Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

2.7
Sales CAGR 4Y +12.9%
Sales/sh Y/Y +8.0%
EBIT Y/Y +12.0%
EPS Y/Y +12.3%
Sales Q/Q +10.6%
EBIT CAGR -31.3%
EPS CAGR 4Y -18.8%
Div. growth —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.