Consumer Portfolio Services (CPSS) financial statements
Consumer Portfolio Services reported revenue of $434M in fiscal 2025, up 0.3% a year over 9 years.
Net income was $19M.
Free cash flow was $288M, and the company returned $9M in net buybacks.
The diluted share count fell 17% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Consumer Portfolio Services's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $422M | $434M | $390M | $346M | $271M | $268M | $330M | $352M | $394M | $434M |
| Selling, general and admin | $43M | $42M | $49M | $51M | $46M | $51M | $61M | $71M | $77M | $76M |
| Interest expense | $80M | $92M | $101M | $111M | $101M | $75M | $88M | $147M | $191M | $232M |
| Pre-tax income | $50M | $32M | $19M | $9M | $20M | $66M | $116M | $61M | $27M | $28M |
| Income tax | $20M | $28M | $4M | $4M | -$2M | $18M | $30M | $16M | $8M | $9M |
| Net income | $29M | $4M | $15M | $5M | $22M | $48M | $86M | $45M | $19M | $19M |
| EPS (diluted) | $1.01 | $0.14 | $0.59 | $0.22 | $0.90 | $1.84 | $3.23 | $1.80 | $0.79 | $0.80 |
| Diluted shares | 29M | 27M | 25M | 24M | 24M | 26M | 27M | 25M | 24M | 24M |
| Net margin | 6.9% | 0.9% | 3.8% | 1.6% | 8.0% | 17.7% | 26.1% | 12.9% | 4.9% | 4.4% |
Balance sheet
Fiscal years, from Consumer Portfolio Services's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $14M | $13M | $13M | $5M | $13M | $30M | $13M | $6M | $12M | $6M |
| Property, plant and equipment | $2M | $2M | $2M | $2M | $828,000 | $1M | $2M | $1M | $943,000 | $771,000 |
| Total assets | $2.4B | $2.4B | $2.5B | $2.5B | $2.1B | $2.2B | $2.8B | $2.9B | $3.5B | $3.9B |
| Total liabilities | $2.2B | $2.2B | $2.3B | $2.3B | $2.0B | $2.0B | $2.5B | $2.6B | $3.2B | $3.5B |
| Shareholders' equity | $186M | $184M | $197M | $110M | $133M | $170M | $228M | $275M | $0 | $310M |
| Net debt | -$14M | -$13M | -$13M | -$5M | $287M | -$30M | -$13M | -$6M | -$12M | -$6M |
Cash flow
Fiscal years, from Consumer Portfolio Services's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $196M | $216M | $216M | $217M | $239M | $198M | $216M | $238M | $234M | $289M |
| Capital spending | $1M | $669,000 | $1M | $751,000 | $24,000 | $2M | $2M | $559,000 | $433,000 | $709,000 |
| Free cash flow | $195M | $215M | $215M | $216M | $239M | $196M | $214M | $237M | $233M | $288M |
| Stock-based compensation | $6M | $6M | $4M | $2M | $2M | $2M | $4M | $3M | $3M | $3M |
| Share buybacks (net) | -$10M | -$12M | -$5M | -$1M | -$1M | -$26M | -$46M | -$20M | -$13M | -$9M |
| Net borrowing | $3M | $4M | $3M | $6M | $7M | — | — | — | — | — |
| Free cash flow margin | 46.2% | 49.5% | 55.2% | 62.5% | 88.0% | 73.3% | 64.8% | 67.4% | 59.3% | 66.4% |
Questions
What was Consumer Portfolio Services's revenue in 2025?
$434M in fiscal 2025, from its 10-K filing.
How much free cash flow does Consumer Portfolio Services generate?
$288M in fiscal 2025 (operating cash flow minus capital spending).
From Consumer Portfolio Services's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.