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MARKETS / NASDAQ / CPSS
NASDAQ · FINANCE SERVICES · MID CAP

Consumer Portfolio Services, Inc. CPSS

16 fiscal years on record · USD · FY2025 reported · SEC filings only
$434.5M
▲ 10.4% YoY
$19.3M
▲ 0.6% YoY
$288.3M
▲ 23.6% YoY
In brief

What this company does

Consumer Portfolio Services, Inc. purchases and services retail automobile contracts originated primarily by franchised automobile dealers, and to a lesser extent by select independent dealers, in the United States in the sale of new and used automobiles, light trucks and passenger vans. Through these contract purchases, it provides indirect financing to the customers of dealers who have limited credit histories or past credit problems, referred to as sub-prime customers. Its principal executive offices are in Las Vegas, Nevada, with operational and administrative functions concentrated in Irvine, California, and automobile contracts serviced from branches in California, Nevada, Virginia, Florida, and Illinois. Since beginning operations, it has purchased a total of approximately $24.7 billion of automobile contracts from dealers through December 31, 2025. The company had 928 employees as of December 31, 2025. The company was incorporated and began operations in March 1991.

Written from the business description in CONSUMER PORTFOLIO SERVICES, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 16 March 2026. Every sentence was checked against that document before publication.

Growth
USD 434.5M
Revenue, FY2025 · full 16-year series below
Revenue $M Net income $M
FY2025 · Revenue 434.5 · Net income 19.3
200M400M201020122014201620182020202220242025
Compound annual growth
+9.6%
+9.9%
+1.8%
+7.1%
−39.2%
−2.3%
−5.7%
−37.2%
−2.3%
−3.1%
−49.5%
+71.7%
−0.6%
+6.9%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +9.9% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
4 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 6.4% · Net 4.4%
10%20%30%-10%-20%201020122014201620182020202220242025
ROE
FY2025 · ROE 6.4%
100%200%-500%-1000%201020122014201620182020202220242025
Gross margin—
Operating margin6.4%
Net margin4.4%
Return on assets0.5%
EBITDAUSD 28.9M

Each USD of equity produced 6 cents of profit this year.

Cash & shareholders
USD 4.0M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 288.3
100M200M201020122014201620182020202220242025
Net buybacks $M Dividends $M
FY2025 · Dividends — · Net buybacks 4.0
20M201020122014201620182020202220242025
Dividends paid—
Net buybacksUSD 4.0M
Share of profit20.5%
Consecutive raises—

USD 4.0M in buybacks — 21% of the year's profit went back to shareholders.

Total assetsUSD 3.9B
EquityUSD 309.5M
CashUSD 6.3M
Gross debtUSD 3.0B
Net debtUSD 3.0B

Net debt stands at 963% of equity.

The 16-year record
16 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative
Metric 2025202420232022202120202019201820172016201520142013201220112010
Revenue $B0.40.40.40.30.30.30.30.40.40.40.40.30.30.20.10.2
Operating income $B0.00.00.10.10.10.0··········
EBITDA $B0.00.00.10.10.10.0··········
Income tax $B0.00.00.00.00.0−0.00.00.00.00.00.00.00.0−0.1·0.0
Net income $B0.00.00.00.10.00.00.00.00.00.00.00.00.00.1−0.0−0.0
Free cash flow $B0.30.20.20.20.20.20.20.20.20.20.20.10.10.00.00.0
EPS, diluted $0.800.791.803.231.840.900.220.590.141.011.100.920.672.72−0.76−1.90
Dividend / sh $················
Payout %················
ROE %6.46.818.043.131.317.83.57.82.016.924.026.626.9294.7·−1370.4
Shares out B0.020.020.020.020.020.020.020.020.020.020.030.030.020.020.020.02

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of 19 fiscal years. 17 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityFinance Services
Listed onNASDAQ
Incorporated inCalifornia
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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