Consumer Portfolio Services, Inc. (CPSS) Income Statement
CPSS 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCPSS revenue and net income
Where CPSS's revenue goes
2025Each bar shows an amount and its share of revenue. CPSS kept 4.5% of revenue as net income.
CPSS profit margins
CPSS growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +8.8% | +9.1% | +9.6% | +1.6% |
| Gross profit | +105.3% | +16.4% | +22.3% | +10.1% |
| Operating income | +847.9% | +30.8% | +66.8% | +15.5% |
| Net income | +0.6% | −39.2% | −2.3% | −5.7% |
| EPS (diluted) | +1.3% | −33.3% | −2.5% | −3.1% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CPSS quarterly EPS vs estimates
Consumer Portfolio Services beat the analyst EPS estimate in 0 of the last 6 quarters. Next report: November 9, 2026.
CPSS income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $428.0M | $393.5M | $352.0M | $329.7M | $267.8M | $271.2M | $345.8M | $389.8M | $434.4M | $422.3M |
| Cost of revenue | $1.8M | $185.9M | $124.3M | $59.4M | $60.6M | $115.5M | $196.3M | $234.5M | $279.1M | $258.5M |
| Gross profit | $426.2M | $207.6M | $227.7M | $270.3M | $207.2M | $155.7M | $149.5M | $155.2M | $155.3M | $163.8M |
| Research & development | — | — | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Sales, general & admin | $52.9M | $173.7M | $159.4M | $144.9M | $132.0M | $126.4M | $131.8M | $127.9M | $115.2M | $108.2M |
| Total operating expenses | $166.2M | $180.1M | $166.6M | $154.1M | $141.4M | $135.6M | $140.3M | $136.5M | $123.3M | $114.2M |
| Operating income | $260.0M | $27.4M | $61.1M | $116.2M | $65.7M | $20.1M | $9.2M | $18.7M | $32.1M | $49.7M |
| Interest income | $429.2M | $385.0M | $331.6M | $320.5M | $261.8M | $295.0M | $337.1M | $380.3M | $424.2M | $409.0M |
| Interest expense | $232.0M | $191.3M | $146.6M | $87.5M | $75.2M | $101.3M | $110.5M | $101.5M | $92.3M | $79.9M |
| Income before taxes | $28.0M | $27.4M | $61.1M | $116.2M | $65.7M | $20.1M | $9.2M | $18.7M | $32.1M | $49.7M |
| Income taxes | $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 |
| EBITDA | $260.0M | $28.3M | $61.9M | $117.8M | $67.4M | $21.9M | $10.2M | $19.7M | $33.0M | $50.4M |
| EPS (diluted) | $0.80 | $0.79 | $1.85 | $2.70 | $1.83 | $0.91 | $0.23 | $0.51 | $0.70 | $1.01 |
| Gross margin | 99.6% | 52.7% | 64.7% | 82.0% | 77.4% | 57.4% | 43.2% | 39.8% | 35.8% | 38.8% |
| Operating margin | 60.8% | 7.0% | 17.4% | 35.2% | 24.5% | 7.4% | 2.6% | 4.8% | 7.4% | 11.8% |
| Net margin | 4.5% | 4.9% | 12.9% | 26.1% | 17.7% | 8.0% | 1.6% | 3.8% | 0.9% | 6.9% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $121.4M | $112.3M | $109.4M | $108.4M | $109.8M | $106.9M | $105.3M | $100.6M | $95.9M | $91.7M | $92.0M | $92.1M |
| Cost of revenue | $450,000 | $450,000 | $58.8M | $58.4M | $57.9M | $53.9M | $51.8M | $49.1M | $44.8M | $40.3M | $38.7M | $35.9M |
| Gross profit | $121.4M | $111.9M | $50.6M | $50.0M | $51.8M | $52.9M | $53.5M | $51.5M | $51.1M | $51.4M | $53.3M | $56.2M |
| Sales, general & admin | $14.7M | $12.9M | $41.7M | $41.6M | $43.3M | $44.5M | $44.6M | $43.2M | $42.9M | $43.0M | $41.6M | $40.2M |
| Total operating expenses | $48.1M | $43.8M | $43.4M | $43.0M | $44.9M | $46.1M | $46.2M | $44.7M | $44.4M | $44.9M | $43.5M | $42.0M |
| Operating income | $73.3M | $68.1M | $7.2M | $7.0M | $7.0M | $6.8M | $7.4M | $6.9M | $6.7M | $6.6M | $9.8M | $14.2M |
| Interest income | $118.1M | $108.7M | $108.2M | $107.2M | $108.4M | $105.4M | $103.2M | $98.7M | $93.9M | $89.3M | $89.3M | $89.3M |
| Interest expense | $64.3M | $60.1M | $59.3M | $59.1M | $58.7M | $54.9M | $52.5M | $50.1M | $46.7M | $42.0M | $40.3M | $37.9M |
| Income before taxes | $9.0M | $8.0M | $7.2M | $7.0M | $7.0M | $6.8M | $7.4M | $6.9M | $6.7M | $6.6M | $9.8M | $14.2M |
| Income taxes | $2.8M | $2.5M | $2.2M | $2.2M | $2.2M | $2.1M | $2.2M | $2.1M | $2.0M | $2.0M | $2.7M | $3.8M |
| Net income | $6.2M | $5.5M | $5.0M | $4.9M | $4.8M | $4.7M | $5.1M | $4.8M | $4.7M | $4.6M | $7.2M | $10.4M |
| EBITDA | $73.5M | $68.3M | $7.4M | $7.2M | $7.2M | $7.1M | $7.6M | $7.1M | $6.9M | $6.8M | $10.0M | $14.4M |
| EPS (diluted) | $0.27 | $0.24 | $0.21 | $0.20 | $0.20 | $0.19 | $0.21 | $0.20 | $0.19 | $0.19 | $0.29 | $0.52 |
| Gross margin | 100.0% | 99.6% | 46.2% | 46.1% | 47.2% | 49.5% | 50.8% | 51.2% | 53.3% | 56.0% | 57.9% | 61.0% |
| Operating margin | 60.4% | 60.6% | 6.6% | 6.5% | 6.3% | 6.4% | 7.0% | 6.8% | 7.0% | 7.1% | 10.7% | 15.4% |
| Net margin | 5.1% | 4.9% | 4.6% | 4.5% | 4.4% | 4.4% | 4.9% | 4.8% | 4.9% | 5.0% | 7.8% | 11.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CPSS's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CPSS financial results
In fiscal year 2025 (ended December 31, 2025), Consumer Portfolio Services reported revenue of $428.0 million, up 8.8% from the year before. It had net income of $19.3 million (up 0.6%), a net profit margin of 4.5%. Diluted earnings per share came to $0.80. Over five years revenue grew at an average rate of 9.6% a year.
See the CPSS stock overview for the latest quote and news, or the CPSS chart for price history and technical indicators.
CPSS income statement FAQ
What is Consumer Portfolio Services's annual revenue?
Consumer Portfolio Services reported total revenue of $428.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 8.8% from $393.5 million the previous year.
Is Consumer Portfolio Services profitable?
Yes. Consumer Portfolio Services reported net income of $19.3 million in fiscal 2025, a net profit margin of 4.5%; its operating margin was 60.8%.
What is Consumer Portfolio Services's gross margin?
Consumer Portfolio Services's gross margin was 99.6% in fiscal 2025: for every $100 of revenue, Consumer Portfolio Services kept $100 after the direct cost of its products and services.
How fast is Consumer Portfolio Services growing?
Revenue grew 9.6% a year on average over the last five fiscal years, from $271.2 million to $428.0 million.
What are Consumer Portfolio Services's earnings per share?
Consumer Portfolio Services earned $0.80 per diluted share in fiscal 2025, compared with $0.79 a year earlier.
When will Consumer Portfolio Services report its next earnings?
Consumer Portfolio Services is expected to report results for the quarter ending September 30, 2026 on November 9, 2026 after the market closes.
When does Consumer Portfolio Services's fiscal year end?
Consumer Portfolio Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.