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Consumer Portfolio Services, Inc. operates as a specialty finance company in the United States. It is involved in the purchase and service of retail automobile contracts originated by franchised automobile dealers and select independent dealers in the sale of new and used automobiles, light trucks, and passenger vans. The company, through its automobile contract purchases, offers indirect financing to the customers of dealers with limited credit histories or past credit problems. It also serves as an alternative source of financing for dealers, facilitating sales to customers who are not able to obtain financing from commercial banks, credit unions, and the captive finance companies. In addition, the company acquires installment purchase contracts in merger and acquisition transactions; and purchases immaterial amounts of vehicle purchase money loans from non-affiliated lenders. The company services its automobile contracts through its branches in California, Nevada, Virginia, Florida, and Illinois. Consumer Portfolio Services, Inc. was incorporated in 1991 and is based in Las Vegas, Nevada.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $202M | - | $19M | $288M | 6.2% | 0.1% | 0.6% |
| 2024 | $202M | - | $19M | $233M | 6.6% | -1.5% | -57.6% |
| 2023 | $205M | - | $45M | $237M | 16.5% | -15.2% | -47.3% |
| 2022 | $242M | - | $86M | $214M | 37.6% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 242.19 | 205.38 | 202.25 | 202.45 |
| Pretax Income | 116.19 | 61.10 | 27.43 | 28 |
| Tax Provision | 30.21 | 15.75 | 8.23 | 8.68 |
| Net Income | 85.98 | 45.34 | 19.20 | 19.32 |
| Net Income Common Stockholders | 85.98 | 45.34 | 19.20 | 19.32 |
| Interest Expense | 87.52 | 146.63 | 191.26 | 232.02 |
| Interest Income | 320.52 | 341.22 | 384.96 | 429.20 |
| Selling General And Administration | 144.94 | 159.37 | 173.65 | 171.04 |
| Normalized Income | 85.98 | 45.34 | 19.20 | 19.32 |
| Basic EPS | 4.10 | 2.17 | 0.90 | 0.88 |
| Diluted EPS | 3.23 | 1.80 | 0.79 | 0.80 |
| Tax Effect Of Unusual Items | 0 | 0 | 0 | 0 |
| Tax Rate For Calcs | 0.26 | 0.26 | 0.30 | 0.31 |
| Net Income From Continuing Operation Net Minority Interest | 85.98 | 45.34 | 19.20 | 19.32 |
| Reconciled Depreciation | 1.62 | 0.85 | 0.86 | 0.88 |
| Net Interest Income | 233 | 194.59 | 193.71 | 197.17 |
| Net Income From Continuing And Discontinued Operation | 85.98 | 45.34 | 19.20 | 19.32 |
| Diluted Average Shares | 26.59 | 25.22 | 24.32 | 24.08 |
| Basic Average Shares | 20.96 | 20.90 | 21.29 | 21.89 |
| Diluted NI Availto Com Stockholders | 85.98 | 45.34 | 19.20 | 19.32 |
| Net Income Including Noncontrolling Interests | 85.98 | 45.34 | 19.20 | 19.32 |
| Net Income Continuous Operations | 85.98 | 45.34 | 19.20 | 19.32 |
| Depreciation Amortization Depletion Income Statement | 1.62 | 0.85 | 0.86 | 0.88 |
| Depreciation And Amortization In Income Statement | 1.62 | 0.85 | 0.86 | 0.88 |
| Selling And Marketing Expense | 23.04 | 21.22 | 22.75 | 22.80 |
| General And Administrative Expense | 121.90 | 138.15 | 150.90 | 148.24 |
| Other Gand A | 37.62 | 50 | 54.71 | 52.87 |
| Salaries And Wages | 84.28 | 88.15 | 96.19 | 95.37 |
| Operating Revenue | 242.19 | 205.38 | 202.25 | 202.45 |
| Occupancy And Equipment | 7.54 | 6.37 | 5.61 | 5.46 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Consumer Portfolio Services, Inc.this co. | CPSS | $198M | 11.40 | 0.64 | 6.2% | - |
| Peoples Bancorp of North Carolina, Inc. | PEBK | $208M | 10.76 | 1.32 | 12.6% | - |
| Eagle Financial Services, Inc. | EFSI | $205M | 9.95 | 1.06 | 4.3% | - |
| Citizens Community Bancorp, Inc. | CZWI | $201M | 13.61 | 1.65 | 7.7% | - |
| Octave Specialty Group, Inc. |
| OSG |
| $199M |
| - |
| 0.28 |
| -24.1% |
| -35.44 |
| First Internet Bancorp | INBK | $197M | - | 0.55 | -9.8% | - |
| CPI Card Group Inc. | PMTS | $194M | 13.55 | -11.20 | -86.3% | 6.60 |
| FB Bancorp, Inc. | FBLA | $193M | 63.86 | 0.74 | 0.4% | - |
| CF Bankshares Inc. | CFBK | $191M | 10.90 | 1.02 | 9.5% | - |
| Peer Median | - | 12.23 | 0.88 | 2.4% | -14.42 | |