CONSUMER PORTFOLIO SERVICES, INC.

Listed Company

CPSSCIK 0000889609NasdaqAcceleratedSmaller ReportingFinance ServicesCaliforniaFY ends Dec 31

Period

FY 2025

Revenue

$434.47M

Net Income

$19.32M

Total Assets

$3.86B

Equity

$309.54M

Shares Out

21.70M

Op. Cash Flow

$289.00M

CPSS$9.20−1.92% · past yearDBEQ Basic

Daily closing prices

Business

Consumer Portfolio Services, Inc. is a specialty finance company that purchases and services retail automobile contracts originated by franchised and independent dealers, providing indirect financing to subprime customers with limited credit histories or past credit problems. The company offers multiple credit-tiered financing programs for both new and used vehicles, with a concentration in upper-tier products. CPS finances vehicles through dealer relationships across all U.S. states, securitizing pools of contracts to institutional investors via asset-backed securities, and operates a direct lending platform for refinancing existing auto loans.

Summary from 10-K filed 2026-03-16

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Interest income	423	364	329	305	266
Mark to finance receivables measured at fair value	7	21	12	15	−4
Other income	5	9	1	9	6
Total revenues	434	394	352	330	268
Employee costs	95	96	88	84	81
General and administrative	53	55	50	38	35
Interest	232	191	147	88	—
Provision for credit losses	−3	−5	−22	—	—
Sales	23	23	21	23	17
Occupancy	5	6	6	8	8
Depreciation and amortization	881,000	862,000	847,000	—	—
Total expenses	406	366	291	214	202
Income before income tax expense (benefit)	28	27	61	116	66
Income tax expense (benefit)	9	8	16	30	18
Net income	19	19	45	86	48
Basic (per share)	0.88	0.9	2.17	4.1	2.11
Diluted (per share)	0.8	0.79	1.8	3.23	1.84
Basic (shares)	22	21	21	21	23
Diluted (shares)	24	24	25	27	26

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	6	12	6	13	30
Restricted cash and equivalents	166	126	119	149	147
Finance receivables measured at fair value	3,656	3,314	2,723	2,477	1,749
Finance receivables, net	520,000	5	25	71	176
Furniture and equipment, net	771,000	943,000	1	2	1
Deferred tax assets, net	16,000	1	4	10	20
Other assets	29	36	26	31	35
Total assets	3,858	3,494	2,904	2,753	2,160
Accounts payable and accrued expenses	65	70	63	55	44
Warehouse lines of credit	325	411	234	285	106
Residual interest financing	143	99	50	50	54
Securitization trust debt	2,987	2,594	2,265	2,109	1,760
Subordinated renewable notes	29	26	17	25	26
Total liabilities	3,549	3,201	2,629	2,524	1,989
COMMITMENTS AND CONTINGENCIES	—	—	—	—	—
Common stock, no par value; authorized 75,000,000 shares; 21,842,457 and 21,432,698 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively	24	26	29	29	55
Retained earnings	286	267	248	203	117
Accumulated other comprehensive loss	−1	−10,000	−2	−3	−2
Total shareholders equity	310	293	275	228	170
Total liabilities and shareholders equity	3,858	3,494	2,904	2,753	2,160

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Net interest income accretion on fair value receivables	261	224	194	135	134
Depreciation and amortization	881,000	862,000	847,000	—	—
Amortization of deferred financing costs	13	11	10	8	—
Mark to fair value of finance receivables measured at fair value	−7	−21	−12	−15	—
Stock-based compensation expense	3	3	3	—	—
Other assets	7	−10	5	4	−1
Deferred tax assets, net	994,000	3	6	9	9
Accounts payable and accrued expenses	−6	9	8	10	7
Net cash provided by operating activities	289	234	238	216	198
Payments received on finance receivables held for investment	7	25	68	—	—
Purchases of finance receivables measured at fair value	−1,639	−1,653	−1,251	−1,673	−1,108
Payments on receivables portfolio at fair value	1,042	859	823	826	744
Change in repossessions held in inventory	0	125,000	446,000	2	1
Purchase of furniture and equipment	−709,000	−433,000	−559,000	−2	−2
Net cash (used in) investing activities	−590	−770	−360	−714	−115
Proceeds from issuance of securitization trust debt	1,665	1,454	1,236	1,411	1,111
Proceeds from issuance of subordinated renewable notes	5	11	0	4	8
Payments on subordinated renewable notes	−2	−2	−8	−5	−3
Net advances (repayments) of warehouse lines of credit	−88	181	−53	182	−15
Proceeds from issuance of residual interest financing debt	65	50	0	—	—
Repayment of residual interest financing debt	−20	0	0	−4	29
Repayment of securitization trust debt	−1,272	−1,124	−1,078	−1,060	−1,153
Payment of financing costs	−12	−16	−8	−12	−8
Purchase of common stock	−9	−13	−20	−46	−26
Exercise of options and warrants	5	7	17	15	6
Net cash provided by financing activities	336	548	84	484	−50
Increase (decrease) in cash and cash equivalents	35	12	−37	−14	32
Interest	218	178	135	77	69
Income taxes	7	12	4	16	14

Filings

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Frequently asked questions

What is CONSUMER PORTFOLIO SERVICES, INC.'s CIK number?

CONSUMER PORTFOLIO SERVICES, INC.'s SEC CIK number is 0000889609 (889609). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find CONSUMER PORTFOLIO SERVICES, INC.'s SEC filings?

All of CONSUMER PORTFOLIO SERVICES, INC.'s EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did CONSUMER PORTFOLIO SERVICES, INC. last report earnings?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) most recently filed an earnings 8-K with the SEC on May 5, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001683168-26-003502). This is CONSUMER PORTFOLIO SERVICES, INC.'s most recent earnings filing of record — not a forecast of its next earnings date.

What is CONSUMER PORTFOLIO SERVICES, INC.'s most recent earnings 8-K?

CONSUMER PORTFOLIO SERVICES, INC.'s latest earnings 8-K (Item 2.02) was filed May 5, 2026 under accession 0001683168-26-003502. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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