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CONSUMER PORTFOLIO SERVICES, INC.
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Other costs40¢$174.4M
- Interest53¢$232.0M
- Income tax2¢$8.7M
- Profit4¢$19.3M
Out of $434.5M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending0¢$709.0K
- Share buybacks3¢$8.7M
- Kept or used elsewhere97¢$279.6M
Out of $289.0M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest income | $422.7M | $364.0M | $329.2M |
| Mark to finance receivables measured at fair value | $6.5M | $21.0M | $12.0M |
| Other income | $5.3M | $7.3M | $10.8M |
| Total revenues | $434.5M | $393.5M | $352.0M |
| Employee costs | $95.4M | $96.2M | $88.1M |
| General and administrative | $52.9M | $54.7M | $50.0M |
| Interest | $232.0M | $191.3M | $146.6M |
| Provision for credit losses | -$2.9M | -$5.3M | -$22.3M |
| Sales | $22.8M | $22.8M | $21.2M |
| Occupancy | $5.5M | $5.6M | $6.4M |
| Depreciation and amortization | $881.0K | $862.0K | $847.0K |
| Total expenses | $406.5M | $366.1M | $290.9M |
| Income before income tax expense (benefit) | $28.0M | $27.4M | $61.1M |
| Income tax expense (benefit) | $8.7M | $8.2M | $15.8M |
| Net income | $19.3M | $19.2M | $45.3M |
| Basic | $0.88 | $0.90 | $2.17 |
| Diluted | $0.80 | $0.79 | $1.80 |
| Basic | 21.9M shares | 21.3M shares | 20.9M shares |
| Diluted | 24.1M shares | 24.3M shares | 25.2M shares |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and cash equivalents | $6.3M | $11.7M | |
| Restricted cash and equivalents | $165.9M | $125.7M | |
| Finance receivables measured at fair value | $3.7B | $3.3B | |
| Finance receivables, net | $520.0K | $5.0M | |
| Furniture and equipment, net | $771.0K | $943.0K | |
| Deferred tax assets, net | $16.0K | $1.0M | |
| Other assets | $28.8M | $35.8M | |
| Total assets | $3.9B | $3.5B | |
| Accounts payable and accrued expenses | $65.2M | $70.2M | |
| Warehouse lines of credit | $324.9M | $410.9M | |
| Residual interest financing | $143.0M | $99.2M | |
| Securitization trust debt | $3.0B | $2.6B | |
| Subordinated renewable notes | $29.0M | $26.5M | |
| Total liabilities | $3.5B | $3.2B | |
| 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 | $24.4M | $25.7M | |
| Retained earnings | $286.4M | $267.1M | |
| Accumulated other comprehensive loss | -$1.3M | -$10.0K | |
| Total shareholders equity | $309.5M | $292.8M | $274.7M |
| Total liabilities and shareholders equity | $3.9B | $3.5B | |
| Preferred stock, par value | $1.00 | $1.00 | |
| Preferred stock, shares authorized | 5.0M shares | 5.0M shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Common stock, par value | $0 | $0 | |
| Common stock, shares authorized | 75.0M shares | 75.0M shares | |
| Common stock, shares issued | 21.8M shares | 21.4M shares | |
| Common stock, shares outstanding | 21.8M shares | 21.4M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net income | $19.3M | $19.2M | $45.3M |
| Net interest income accretion on fair value receivables | $261.2M | $224.3M | $193.5M |
| Depreciation and amortization | $881.0K | $862.0K | $847.0K |
| Amortization of deferred financing costs | $12.6M | $10.6M | $9.7M |
| Mark to fair value of finance receivables measured at fair value | -$6.5M | -$21.0M | -$12.0M |
| Provision for credit losses | -$2.9M | -$5.3M | -$22.3M |
| Stock-based compensation expense | $2.7M | $3.0M | $3.5M |
| Other assets | $6.9M | -$10.0M | $4.7M |
| Deferred tax assets, net | $994.0K | $2.7M | $6.4M |
| Accounts payable and accrued expenses | -$6.2M | $9.5M | $8.3M |
| Net cash provided by operating activities | $289.0M | $233.8M | $238.0M |
| Payments received on finance receivables held for investment | $7.4M | $25.0M | $68.2M |
| Purchases of finance receivables measured at fair value | -$1.6B | -$1.7B | -$1.3B |
| Payments on receivables portfolio at fair value | $1.0B | $858.6M | $823.4M |
| Change in repossessions held in inventory | $0 | $125.0K | $446.0K |
| Purchase of furniture and equipment | -$709.0K | -$433.0K | -$559.0K |
| Net cash (used in) investing activities | -$590.1M | -$769.7M | -$359.5M |
| Proceeds from issuance of securitization trust debt | $1.7B | $1.5B | $1.2B |
| Proceeds from issuance of subordinated renewable notes | $4.7M | $11.0M | $0 |
| Payments on subordinated renewable notes | -$2.2M | -$1.7M | -$8.1M |
| Net advances (repayments) of warehouse lines of credit | -$88.0M | $180.6M | -$53.3M |
| Proceeds from issuance of residual interest financing debt | $65.0M | $50.0M | $0 |
| Repayment of residual interest financing debt | -$20.5M | $0 | $0 |
| Repayment of securitization trust debt | -$1.3B | -$1.1B | -$1.1B |
| Payment of financing costs | -$12.5M | -$15.9M | -$7.9M |
| Purchase of common stock | -$8.7M | -$12.8M | -$20.3M |
| Exercise of options and warrants | $4.7M | $6.9M | $16.6M |
| Net cash provided by financing activities | $335.9M | $547.9M | $84.2M |
| Increase (decrease) in cash and cash equivalents | $34.8M | $12.0M | -$37.4M |
| Interest | $218.1M | $177.9M | $135.2M |
| Income taxes | $6.8M | $11.8M | $3.6M |
Compare CONSUMER PORTFOLIO SERVICES, INC. with another company
Former names
- CONSUMER PORTFOLIO SERVICES INCDec 19, 1996 to Jul 22, 20202
Recent filings
- Oct 13, 20268-K
- Oct 5, 2026ABS-15G ASSET-BACKED SECURITIES REPORT
- Oct 1, 20264
- Sep 30, 2026DEF 14A DEFINITIVE PROXY STATEMENT
- Sep 30, 2026ARS
- Sep 3, 20264
- Aug 28, 20264
- Aug 26, 2026424B2 PROSPECTUS
- Aug 26, 2026424B2 PROSPECTUS
- Aug 25, 20268-K CURRENT REPORT
- Aug 21, 20268-K CURRENT REPORT
- Aug 14, 20264
- Aug 13, 20264
- Aug 13, 20264
- Aug 13, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
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