CONSUMER PORTFOLIO SERVICES, INC. CPSS
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
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 0.88 | 0.90 | 2.17 | 4.10 | 2.11 | 0.96 | 0.24 | 0.68 | 0.17 | 1.20 |
| EPS, diluted | 0.80 | 0.79 | 1.80 | 3.23 | 1.84 | 0.90 | 0.22 | 0.59 | 0.14 | 1.01 |
| Shares, diluted (wtd. avg.) | $24.1M | $24.3M | $25.2M | $26.6M | $25.8M | $24.0M | $24.1M | $25.0M | $27.2M | $29.0M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| 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.
Others in SIC 6199
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