Consumer Portfolio Services, Inc.
CPSS Nasdaq· Finance Services
Last close · Oct 26, 2026
$9.30
KIRA · Stoqly’s AI analyst, in plain words
- Consumer Portfolio Services, Inc. had $434M of revenue in fiscal 2025, up 10.4% on the year before. Over five years, revenue changed +9.9% a year on average.
- Consumer Portfolio Services, Inc. made $19.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −2.6% a year.
- Free cash flow was $288M in fiscal 2025, 66.4% of revenue.
- Consumer Portfolio Services, Inc. returned $8.7M to shareholders in fiscal 2025, 3% of free cash flow. The diluted share count fell 1.0%.
Market cap
$218M
P/E
10.1x
Revenue
$434M
Net income
$19.3M
Free cash flow
$288M
Operating margin
—
Consumer Portfolio Services, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+10.4%
Yes. Sales grew 10.4% last year.
Does it make a profit?
4.4%
A little. It keeps 4.4% of every sale as profit.
Does profit turn into cash?
66.4%
Yes. 66.4% of sales ends up as free cash.
How is the share priced?
10.1x
One share costs 10.1 times its yearly profit per share.
What Consumer Portfolio Services, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- CONSUMER PORTFOLIO SERVICES, INC.
- CIK
- 0000889609
Consumer Portfolio Services, Inc. · CPSS
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $268M | $330M | $352M | $394M | $434M |
| Revenue growth | −1.2% | 23.1% | 6.8% | 11.8% | 10.4% |
| Net income | $47.5M | $86.0M | $45.3M | $19.2M | $19.3M |
| Net margin | 17.7% | 26.1% | 12.9% | 4.9% | 4.4% |
| Diluted EPS | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
| Cash | |||||
| Cash from operations | $198M | $216M | $238M | $234M | $289M |
| Capital expenditure | $2.0M | $2.1M | $0.6M | $0.4M | $0.7M |
| Free cash flow | $196M | $214M | $237M | $233M | $288M |
| FCF margin | 73.3% | 64.8% | 67.4% | 59.3% | 66.4% |
| Share buybacks | $25.7M | $46.1M | $20.3M | $12.8M | $8.7M |
| Share count change | 7.4% | 3.1% | −5.2% | −3.5% | −1.0% |
| Debt and strength | |||||
| Cash and short-term investments | $29.9M | $13.5M | $6.2M | $11.7M | $6.3M |
| Shareholders' equity | $170M | $228M | $275M | $0.0M | $310M |
| Returns and quality | |||||
| Return on equity | 31.3% | 43.1% | 18.0% | 14.0% | 12.5% |
| Return on tangible equity | 27.9% | 37.6% | 16.5% | — | 6.2% |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$2.4M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Consumer Portfolio Services, Inc. · CPSS
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $9.30 a share, the company is worth $218M: 10.1 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000889609). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.