Consumer Portfolio Services, Inc.
Consumer Portfolio Services, Inc. (CPSS) Financial Performance & Income Statement Overview
Review Consumer Portfolio Services, Inc. (CPSS) income statement, balance sheet, and cash flow reports with annual and quarterly breakdowns.
Consumer Portfolio Services, Inc. (CPSS) Income Statement & Financial Overview
Review Consumer Portfolio Services, Inc. CPSS income statement with detailed quarterly and annual figures.
| Metric | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 |
|---|---|---|---|---|
| Revenue | $106.87M | $105.30M | $100.58M | $95.88M |
| Cost of Revenue | $53.94M | $51.79M | $49.06M | $44.76M |
| Gross Profit | $52.94M | $53.51M | $51.52M | $51.12M |
| Gross Profit Ratio | $0.50 | $0.51 | $0.51 | $0.53 |
| R&D Expenses | $0.00 | $0.00 | $0.00 | $0.00 |
| SG&A Expenses | $44.49M | $44.59M | $43.16M | $42.87M |
| Operating Expenses | $46.13M | $46.16M | $44.67M | $44.45M |
| Total Costs & Expenses | $100.07M | $97.95M | $93.73M | $89.21M |
| Interest Income | $105.43M | $103.15M | $98.66M | $93.87M |
| Interest Expense | $54.92M | $52.52M | $50.06M | $46.71M |
| Depreciation & Amortization | $249000.00 | $212000.00 | $214000.00 | $221000.00 |
| EBITDA | $7.05M | $7.56M | $7.07M | $6.89M |
| EBITDA Ratio | $0.07 | $0.07 | $0.07 | $0.07 |
| Operating Income | $6.80M | $7.35M | $6.85M | $6.67M |
| Operating Income Ratio | $0.06 | $0.07 | $0.07 | $0.07 |
| Other Income/Expenses (Net) | $0.00 | $0.00 | $0.00 | $0.00 |
| Income Before Tax | $6.80M | $7.35M | $6.85M | $6.67M |
| Income Before Tax Ratio | $0.06 | $0.07 | $0.07 | $0.07 |
| Income Tax Expense | $2.11M | $2.21M | $2.06M | $2.00M |
| Net Income | $4.69M | $5.14M | $4.80M | $4.67M |
| Net Income Ratio | $0.04 | $0.05 | $0.05 | $0.05 |
| EPS | $0.22 | $0.24 | $0.22 | $0.22 |
| Diluted EPS | $0.19 | $0.21 | $0.20 | $0.19 |
| Weighted Avg Shares Outstanding | $21.44M | $21.29M | $21.34M | $21.26M |
| Weighted Avg Shares Outstanding (Diluted) | $24.32M | $24.27M | $24.15M | $24.26M |
Financial performance has remained strong, with revenue growing from $95.88M in Q2 2024 to $106.87M in Q1 2025. Gross profit continued to perform well, with margins at 50% in the latest quarter. Operating income reached $6.80M in Q1 2025, holding a steady 6% margin. While R&D and SG&A expenses fluctuated, EBITDA remained robust at $7.05M. Net income dropped to $4.69M, keeping EPS at $0.22. With disciplined cost control and operational efficiency, the company supported consistent profitability, reflecting its ability to deliver stable shareholder value.
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