CPSSNasdaqFinance ServicesFiscal year ends December 31
CONSUMER PORTFOLIO SERVICES, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 7, 2026
$9.03−0.12 (-1.31%)
Close on Oct 19, 2026
- Market cap
- $212.07M
- P/E (TTM)
- 9.8
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
4.4%−3.5 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.4% | +9.6% | +9.9% | +1.8% | |
| Net income | +0.6% | -39.2% | -2.3% | -5.7% | |
| EPS, diluted | +1.3% | -37.2% | -2.3% | -3.1% | |
| Free cash flow | +23.6% | +10.5% | +3.8% | +4.5% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 16.9% | 17.8% | 12.5% | |
| Return on assets | 1.3% | 0.9% | 0.5% | |
| Capex to revenue | 0.3% | 0.0% | 0.2% | |
| Diluted shares | 29M | 24M | 24M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Consumer Portfolio Services generated $1.17B from operations and spent $119.37M on capital expenditure, dividends and share buybacks. 5% of that went back into the business.
Generated
$1.17B
Used
$119.37M
Capital expenditure$5.83M5%Dividends$00%Share buybacks$113.55M95%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin4.4%
×Asset turnover0.12×
×Equity multiplier23.75×
=Return on equity, FY202512.5%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 4.4% | 0.12× | 23.75× | 12.5% |
| FY2024 | 4.9% | 0.12× | 23.29× | 14.0% |
| FY2023 | 12.9% | 0.12× | 11.24× | 18.0% |
| FY2022 | 26.1% | 0.13× | 12.32× | 43.1% |
| FY2021 | 17.7% | 0.12× | 14.18× | 31.3% |
| FY2020 | 8.0% | 0.12× | 19.24× | 17.8% |
| FY2019 | 1.6% | 0.14× | 16.35× | 3.5% |
| FY2018 | 3.8% | 0.16× | 12.89× | 7.8% |
| FY2017 | 0.9% | 0.18× | 13.06× | 2.0% |
| FY2016 | 6.9% | 0.19× | 13.07× | 16.9% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$19.33M
- Cash generatingOperating cash flow above zero$289.00M
- Return on assets improvedROA up on the prior year0.7% → 0.6%
- Earnings backed by cashOperating cash flow above net income$289.00M vs $19.33M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise24M → 24M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.14 → 0.12