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MARKETS / NASDAQ / Financials / Credit / 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

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

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
200M400M
201020132016201920222025
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%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +9.9% a year over the five years to FY2025.

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%
201020172025
ROE
FY2025 · ROE 6.4%
-500%-1000%
201020172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin6.4%
Net margin4.4%
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
150M300M
201020172025
Net buybacks $M Dividends $M
FY2025 · Dividends · · Net buybacks 4.0
15M30M
201020122014201620182020202220242025
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—not applicable◌not available in our data
CPSS, 16-year financial record
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 % — not applicable: no dividend————————————————
ROE %6.46.818.043.131.317.83.57.82.016.924.026.626.9——−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. "—" not applicable · "◌" not available in our data.

More in this sector

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UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 48 reconciliationsAUDITED

Reconciled in 16 of the 16 fiscal years we could check. Four checks were skipped: cost of revenue is not tagged before 2011. Three checks were skipped: the balance sheet is not tagged before 2010. Three checks were skipped: EPS is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityFinance Services
Listed onNASDAQ
Incorporated inCalifornia
Fiscal year endsDecember 31
SEC categorysmaller reporting company
Data on record since2010

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