Latest Quarter
2025-03-31
Consumer Portfolio Services Inc (CPSS)
Revenue
$107M
Net Income
$4.7M
Operating Margin
86.0%
Free Cash Flow
$289M
Debt / Assets
92.0%
Values are in USD and rounded to the nearest whole number unless noted.
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| Income Statement (Quarterly) | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 |
|---|---|---|---|---|
| Revenue | 106,874,000 | 105,303,000 | 100,580,000 | 95,880,000 |
| Cost of Revenue | 1,398,000 | 51,794,000 | 49,062,000 | 44,760,000 |
| Gross Profit | 105,476,000 | 53,509,000 | 51,518,000 | 51,120,000 |
| Operating Expenses | ||||
| R&D Expenses | 0 | 0 | 0 | 0 |
| SG&A Expenses | 13,542,000 | 44,587,000 | 43,161,000 | 42,868,000 |
| Operating Expenses | 13,542,000 | 46,158,000 | 44,667,000 | 44,448,000 |
| Operating Income | 91,934,000 | 7,351,000 | 6,851,000 | 6,672,000 |
| Interest Expense | 0 | 52,522,000 | 50,056,000 | 46,710,000 |
| Income Before Tax | 6,802,000 | 7,351,000 | 6,851,000 | 6,672,000 |
| Income Tax Expense | 2,108,000 | 2,206,000 | 2,055,000 | 2,000,000 |
| Net Income | 4,694,000 | 5,145,000 | 4,796,000 | 4,672,000 |
| Per Share | ||||
| EPS | 0.22 | 0.24 | 0.22 | 0.22 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Statement (Annual) | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | 427,970,000 | 393,506,000 | 340,014,000 | 242,185,000 | 192,572,000 |
| Cost of Revenue | 1,762,000 | 185,950,000 | 6,374,000 | 7,535,000 | 0 |
| Gross Profit | 426,208,000 | 207,556,000 | 208,231,000 | 234,650,000 | 0 |
| Operating Expenses | |||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 52,870,000 | 173,654,000 | 50,001,000 | 121,900,000 | 115,150,000 |
| Operating Expenses | 166,181,000 | 180,125,000 | 165,739,000 | 213,516,000 | 0 |
| Operating Income | 260,027,000 | 27,431,000 | 61,097,000 | 1,616,382,000 | 0 |
| Interest Expense | 232,024,000 | 191,257,000 | 146,631,000 | 87,524,000 | 75,239,000 |
| Income Before Tax | 28,003,000 | 27,431,000 | 61,097,000 | 116,193,000 | 65,746,000 |
| Income Tax Expense | 8,678,000 | 8,228,000 | 15,754,000 | 30,210,000 | 18,222,000 |
| Net Income | 19,325,000 | 19,203,000 | 45,343,000 | 85,983,000 | 47,524,000 |
| Per Share | |||||
| EPS | 0.88 | 0.90 | 2.17 | 4.10 | 2.11 |
| EPS Diluted | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Balance Sheet (Quarterly) | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Cash and Cash Equivalents | 6,322,000 | 11,713,000 | 125,431,000 | 13,490,000 |
| Short Term Investments | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 3,318,754,000 | 0 | 649,000 |
| Inventory | 0 | 0 | 125,000 | 571,000 |
| Total Current Assets | 6,322,000 | 11,713,000 | 6,174,000 | 14,139,000 |
| Property Plant Equipment | 0 | 20,392,000 | 4,296,000 | 1,660,000 |
| Goodwill and Intangibles | 0 | 0 | 6,115,000 | 0 |
| Total Assets | 3,858,193,000 | 3,493,868,000 | 2,906,125,000 | 2,752,768,000 |
| Liabilities | ||||
| Account Payables | 0 | 0 | 0 | 55,421,000 |
| Short Term Debt | 0 | 410,898,000 | 7,201,000 | 285,328,000 |
| Total Current Liabilities | 0 | 410,898,000 | 7,201,000 | 55,421,000 |
| Long Term Debt | 0 | 2,720,049,000 | 2,334,777,000 | 2,183,630,000 |
| Total Liabilities | 3,548,657,000 | 3,201,098,000 | 2,631,457,000 | 2,524,379,000 |
| Shareholders Equity | ||||
| Retained Earnings | 286,385,000 | 267,060,000 | 247,857,000 | 202,514,000 |
| Total Shareholders Equity | 309,536,000 | 292,770,000 | 274,668,000 | 228,389,000 |
| Balance Sheet (Annual) | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Assets | |||||
| Cash and Cash Equivalents | 6,322,000 | 11,713,000 | 125,431,000 | 13,490,000 | 29,928,000 |
| Short Term Investments | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 3,318,754,000 | 0 | 649,000 | 0 |
| Inventory | 0 | 0 | 125,000 | 571,000 | 0 |
| Total Current Assets | 6,322,000 | 11,713,000 | 6,174,000 | 14,139,000 | 0 |
| Property Plant Equipment | 0 | 20,392,000 | 4,296,000 | 1,660,000 | 0 |
| Goodwill and Intangibles | 0 | 0 | 6,115,000 | 0 | 0 |
| Total Assets | 3,858,193,000 | 3,493,868,000 | 2,906,125,000 | 2,752,768,000 | 2,159,578,000 |
| Liabilities | |||||
| Account Payables | 0 | 0 | 0 | 55,421,000 | 0 |
| Short Term Debt | 0 | 410,898,000 | 7,201,000 | 285,328,000 | 105,610,000 |
| Total Current Liabilities | 0 | 410,898,000 | 7,201,000 | 55,421,000 | 105,610,000 |
| Long Term Debt | 0 | 2,720,049,000 | 2,334,777,000 | 2,183,630,000 | 1,840,113,000 |
| Total Liabilities | 3,548,657,000 | 3,201,098,000 | 2,631,457,000 | 2,524,379,000 | 1,989,371,000 |
| Shareholders Equity | |||||
| Retained Earnings | 286,385,000 | 267,060,000 | 247,857,000 | 202,514,000 | 0 |
| Total Shareholders Equity | 309,536,000 | 292,770,000 | 274,668,000 | 228,389,000 | 170,207,000 |
| Cash Flow Statement (Quarterly) | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Operating Activities | ||||
| Net Income | 19,325,000 | 19,203,000 | 45,343,000 | 85,983,000 |
| Depreciation & Amortization | 881,000 | 862,000 | 847,000 | 1,618,000 |
| Stock Based Compensation | 2,670,000 | 2,957,000 | 3,464,000 | 4,427,000 |
| Change in Working Capital | 768,000 | -564,000 | 12,954,000 | 23,933,000 |
| Operating Cash Flow | 289,001,000 | 233,755,000 | 237,980,000 | 215,932,000 |
| Investing Activities | ||||
| Capital Expenditure | -709,000 | -433,000 | -559,000 | -2,149,000 |
| Investments | 0 | 0 | -559,000 | -2,149,000 |
| Investing Cash Flow | -590,117,000 | -769,713,000 | -359,532,000 | -713,900,000 |
| Financing Activities | ||||
| Debt Repayment | 339,890,000 | 569,708,000 | -87,886,000 | -1,069,563,000 |
| Common Stock Issued/Repurchased | -3,964,000 | -12,828,000 | -3,692,000 | -30,819,000 |
| Dividends Paid | 0 | 0 | 0 | -15,277,000 |
| Financing Cash Flow | 335,926,000 | 547,924,000 | 84,194,000 | 484,209,000 |
| Summary | ||||
| Free Cash Flow | 289,001,000 | 233,322,000 | 237,421,000 | 213,783,000 |
| Net Change in Cash | 34,810,000 | 11,966,000 | -37,358,000 | -13,759,000 |
| Cash Flow Statement (Annual) | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Operating Activities | |||||
| Net Income | 19,325,000 | 19,203,000 | 45,343,000 | 85,983,000 | 47,524,000 |
| Depreciation & Amortization | 881,000 | 862,000 | 847,000 | 1,618,000 | 0 |
| Stock Based Compensation | 2,670,000 | 2,957,000 | 3,464,000 | 4,427,000 | 0 |
| Change in Working Capital | 768,000 | -564,000 | 12,954,000 | 23,933,000 | 15,383,000 |
| Operating Cash Flow | 289,001,000 | 233,755,000 | 237,980,000 | 215,932,000 | 0 |
| Investing Activities | |||||
| Capital Expenditure | -709,000 | -433,000 | -559,000 | -2,149,000 | 0 |
| Investments | 0 | 0 | -559,000 | -2,149,000 | 0 |
| Investing Cash Flow | -590,117,000 | -769,713,000 | -359,532,000 | -713,900,000 | 0 |
| Financing Activities | |||||
| Debt Repayment | 339,890,000 | 569,708,000 | -87,886,000 | -1,069,563,000 | 0 |
| Common Stock Issued/Repurchased | -3,964,000 | -12,828,000 | -3,692,000 | -30,819,000 | 0 |
| Dividends Paid | 0 | 0 | 0 | -15,277,000 | 0 |
| Financing Cash Flow | 335,926,000 | 547,924,000 | 84,194,000 | 484,209,000 | 0 |
| Summary | |||||
| Free Cash Flow | 289,001,000 | 233,322,000 | 237,421,000 | 213,783,000 | 0 |
| Net Change in Cash | 34,810,000 | 11,966,000 | -37,358,000 | -13,759,000 | 0 |