CONSUMER PORTFOLIO SERVICES, INC. CPSS

Financials SIC 6199 - Finance Services NAICS Finance and Insurance › Securities, Commodity Contracts, and Other Financial Investments and Related Activities › Other Financial Investment Activities derived Nasdaq

company. Our business is to purchase and service 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 our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit histories

or past credit problems, who we refer to as sub-prime customers. We serve as an alternative source of financing for dealers, facilitating

Last close 9.90 2026-10-23
Market cap $213.4M 2026-06-30 share count
52-week range 7.46 - 10.49

Valuation FY2025 figures against the last close

P/S0.5x
P/E12.4x
P/FCF0.7x
EV/EBITDA—
Dividend yield—
Diluted EPS0.80

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $434.5M$393.5M$352.0M$329.7M$267.8M$271.2M$345.8M$389.8M$434.4M$422.3M
SG&A $52.9M$54.7M$50.0M$37.6M$34.6M$32.0M$33.0M$31.0M$26.6M$24.8M
Total operating expenses $406.5M$366.1M$290.9M$213.5M$202.1M$251.0M————
Interest expense $232.0M$191.3M$146.6M$87.5M$75.2M$101.3M$110.5M$101.5M$92.3M$79.9M
Pre-tax income $28.0M$27.4M$61.1M$116.2M$65.7M$20.1M$9.2M$18.7M$32.1M$49.7M
Income tax $8.7M$8.2M$15.8M$30.2M$18.2M$1.6M$3.8M$3.8M$28.3M$20.4M
Net income $19.3M$19.2M$45.3M$86.0M$47.5M$21.7M$5.4M$14.9M$3.8M$29.3M
EPS, basic 0.880.902.174.102.110.960.240.680.171.20
EPS, diluted 0.800.791.803.231.840.900.220.590.141.01
Shares, diluted (wtd. avg.) 24.1M24.3M25.2M26.6M25.8M24.0M24.1M25.0M27.2M29.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $6.3M$11.7M$125.4M$162.8M$176.5M$144.2M$140.8M$130.1M$12.7M$13.9M
Property, plant and equipment $771.0K$943.0K$1.4M$1.7M$1.1M$828.0K$1.5M$1.8M$1.8M$2.0M
Total assets $3.86B$3.49B$2.90B$2.75B$2.16B$2.15B$2.54B$2.49B$2.42B$2.41B
Accounts payable $65.2M$70.2M$62.5M$55.4M$43.6M$43.1M$47.1M$31.7M$28.7M$25.0M
Total liabilities $3.55B$3.20B$2.63B$2.52B$1.99B$2.01B$2.34B$2.29B$2.24B$2.22B
Retained earnings $286.4M$267.1M$247.9M$202.5M$116.5M$69.0M$139.8M$134.4M$119.5M$115.8M
Total equity $309.5M$292.8M$274.7M$228.4M$170.2M$133.4M$110.2M$197.1M$183.9M$186.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $289.0M$233.8M$238.0M$215.9M$198.2M$238.8M$216.8M$216.2M$215.6M$196.3M
Depreciation and amortisation $881.0K$862.0K$847.0K$1.6M$1.7M$1.8M$1.1M$992.0K$934.0K$777.0K
Stock-based compensation —$3.0M$3.5M$4.4M$2.0M$1.9M$2.1M$3.5M$5.7M$5.6M
Capital expenditure $709.0K$433.0K$559.0K$2.1M$2.0M$24.0K$751.0K$1.1M$669.0K$1.1M
Investing cash flow -$590.1M-$769.7M-$359.5M-$713.9M-$115.4M$93.0M-$229.4M-$242.2M-$210.6M-$437.8M
Financing cash flow $335.9M$547.9M$84.2M$484.2M-$50.4M-$328.5M$23.3M$31.4M-$7.0M$242.8M
Buybacks $8.7M$12.8M$20.3M$46.1M$25.7M$1.2M$1.4M$5.3M$12.3M$10.5M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001683168-26-001856.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 200M 400M 600M Revenue, FY2016: 422.3M Net income, FY2016: 29.3M Revenue, FY2017: 434.4M Net income, FY2017: 3.8M Revenue, FY2018: 389.8M Net income, FY2018: 14.9M Revenue, FY2019: 345.8M Net income, FY2019: 5.4M Revenue, FY2020: 271.2M Net income, FY2020: 21.7M Revenue, FY2021: 267.8M Net income, FY2021: 47.5M Revenue, FY2022: 329.7M Net income, FY2022: 86M Revenue, FY2023: 352M Net income, FY2023: 45.3M Revenue, FY2024: 393.5M Net income, FY2024: 19.2M Revenue, FY2025: 434.5M Net income, FY2025: 19.3M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $422.3M $434.4M $389.8M $345.8M $271.2M $267.8M $329.7M $352.0M $393.5M $434.5M
Gross profit — — — — — — — — — —
Net income $29.3M $3.8M $14.9M $5.4M $21.7M $47.5M $86.0M $45.3M $19.2M $19.3M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • New debt or obligation The company has taken on debt or a comparable obligation. Item 2.03
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Material agreement signed Item 1.01
  • New debt or obligation Item 2.03
  • Material agreement signed Item 1.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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