Consumer Portfolio Services, Inc. (CPSS) — Financial statements
Income statement, balance sheet, and cash flow for Consumer Portfolio Services, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 428↑8.8% | 394↑11.8% | 352↑6.8% | 330↑23.1% | 268 | |
| Cost of Revenue | 2↓99.1% | 186↑49.6% | 124↑109.2% | 59↓2.0% | 61 | |
| Gross Profit | 426↑105.3% | 208↓8.8% | 228↓15.8% | 270↑30.5% | 207 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 53↓65.0% | 151↑9.2% | 138↑13.3% | 122↑5.9% | 115 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 23↑7.2% | 21↓7.9% | 23↑36.5% | 17 | |
| SG&A Expenses | 53↓69.6% | 174↑9.0% | 159↑10.0% | 145↑9.8% | 132 | |
| Other Expenses | 113↑1651.1% | 6↓10.4% | 7↓21.1% | 9↓2.5% | 9 | |
| Operating Expenses | 166↓7.7% | 180↑8.1% | 167↑8.1% | 154↑9.0% | 141 | |
| Total Costs & Expenses | 168↓54.1% | 366↑25.8% | 291↑36.3% | 214↑5.7% | 202 | |
| Operating Results | ||||||
| Operating Income | 260↑847.9% | 27↓55.1% | 61↓47.4% | 116↑76.7% | 66 | |
| Depreciation & Amortization | 0.88↑2.2% | 0.86↑1.8% | 0.85↓47.7% | 2↓3.4% | 2 | |
| EBITDA | 260↑819.1% | 28↓54.3% | 62↓47.4% | 118↑74.7% | 67 | |
| EBIT | 260↑847.9% | 27↓55.1% | 61↓47.4% | 116↑76.7% | 66 | |
| Interest & Other Income | ||||||
| Net Interest Income | 191↓1.6% | 194↓0.5% | 195↓16.5% | 233↑24.9% | 187 | |
| Interest Income | 423↑9.8% | 385↑12.8% | 341↑6.5% | 321↑22.4% | 262 | |
| Interest Expense | 232↑21.3% | 191↑30.4% | 147↑67.5% | 88↑16.3% | 75 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | -232 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 28↑2.1% | 27↓55.1% | 61↓47.4% | 116↑76.7% | 66 | |
| Income Tax Expense | 9↑5.5% | 8↓47.8% | 16↓47.9% | 30↑65.8% | 18 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 19↑0.6% | 19↓57.6% | 45↓47.3% | 86↑80.9% | 48 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 19↑0.6% | 19↓57.6% | 45↓47.3% | 86↑80.9% | 48 | |
| Bottom-Line Net Income | 19↑0.6% | 19↓57.6% | 45↓47.3% | 86↑80.9% | 48 | |
| EPS (Basic) | 0.88↓2.2% | 0.90↓58.5% | 2.17↓47.1% | 4.10↑94.3% | 2.11 | |
| EPS (Diluted) | 0.80↑1.3% | 0.79↓56.1% | 1.80↓44.3% | 3.23↑75.5% | 1.84 | |
| Weighted Average Shares | 22↑2.8% | 21↑1.9% | 21↓0.3% | 21↓7.1% | 23 | |
| Weighted Average Diluted Shares | 24↓1.0% | 24↓3.5% | 25↓5.2% | 27↑3.1% | 26 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.