NASDAQ · FINANCE SERVICES · MID CAP
Consumer Portfolio Services, Inc. CPSS
16 fiscal years on record · USD · FY2025 reported
SEC FILINGS ONLY
Revenue · FY2025
$434.5M
▲ 10.4% vs FY2024
EPS · FY25
$0.80
Dividend / sh · FY25
—
Payout · FY25
—
ROE · FY25
6.4%
Net margin · FY25
4.4%
Dividend coverage
—
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Result
USD 434.5M
Revenue, FY2025 · full 16-year series below
Revenue
Net income
4 cents of every revenue dollar became profit this year.
Per share
USD 0.80
Diluted EPS, FY2025
EPS
The company pays no cash dividend.
Profitability
6.4%
Return on equity, FY2025
ROE
Operating margin6.4%
Net margin4.4%
Return on assets0.5%
Each USD of equity produced 6 cents of profit this year.
Returned to shareholders
USD 4.0M
returned in FY2025 · dividends + net buybacks
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.
Growth
+9.9% a year
revenue, compounded over five years
CAGR
3 yrs
5 yrs
10 yrs
15 yrs
Revenue
+9.6%
+9.9%
+1.8%
+7.1%
Net income
−39.2%
−2.3%
−5.7%
EPS, diluted
−37.2%
−2.3%
−3.1%
Returned to shareholders
−49.5%
+71.7%
−0.6%
+6.9%
Compound annual rates per period — left blank where the series crosses a loss.
Share base
0.02B
Shares outstanding, FY2025
Change, 5 years−3.9%
Change, 10 years−14.7%
The share count shrank 4% in five years — the same company, cut into fewer, larger slices.
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Balance sheet
USD 3.9B
total assets, end of FY2025
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.
History
16 fiscal years
Every figure from documents filed with the SEC · USD
Metric
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Revenue $B
0.4
0.4
0.4
0.3
0.3
0.3
0.3
0.4
0.4
0.4
0.4
0.3
0.3
0.2
0.1
0.2
Operating income $B
0.0
0.0
0.1
0.1
0.1
0.0
·
·
·
·
·
·
·
·
·
·
EBITDA $B
0.0
0.0
0.1
0.1
0.1
0.0
·
·
·
·
·
·
·
·
·
·
Income tax $B
0.0
0.0
0.0
0.0
0.0
−0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
−0.1
·
0.0
Net income $B
0.0
0.0
0.0
0.1
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.1
−0.0
−0.0
EPS, diluted $
0.80
0.79
1.80
3.23
1.84
0.90
0.22
0.59
0.14
1.01
1.10
0.92
0.67
2.72
−0.76
−1.90
Dividend / sh $
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
Payout %
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
·
ROE %
6.4
6.8
18.0
43.1
31.3
17.8
3.5
7.8
2.0
16.9
24.0
26.6
26.9
294.7
·
−1370.4
Shares out B
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.02
0.03
0.03
0.02
0.02
0.02
0.02
Slide the table for earlier years · "·" marks figures not disclosed in the filing for that year.
How we verifyAUDITED
32 of 32
checks passed before publication
EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidity
Every figure was compared against the original statement: 0 failures and 0 presentation gaps.
What we don’t show
We’d rather say what’s missing than fill the gap with an estimate.
P/E rationeeds a market quote — not yet licensed
Market capitalizationneeds a market quote — not yet licensed
Dividend yieldneeds a market quote — not yet licensed
Price-to-bookneeds a market quote — not yet licensed