Consumer Portfolio Services, Inc. (CPSS)

CPSS Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	398.6	363.96	329.22	305.24	266.27	294.98
Total Interest Expense	216.2	191.26	146.63	87.52	75.24	101.34
Net Interest Income	182.4	172.71	182.59	217.71	191.03	193.64
Other Revenue	6.37	7.45	9.72	8.45	5.38	4.85
Revenue Before Loan Losses	188.78	180.16	192.31	226.17	196.41	198.49
Provision for Loan Losses	-3.48	-5.31	-22.3	-28.1	-14.59	14.11
Revenue	192.26	185.46	214.61	254.27	211	184.38
Revenue Growth (YoY)	2.04%	-13.58%	-15.60%	20.51%	14.44%	24.50%
Salaries & Employee Benefits	97.45	96.19	88.15	84.28	80.53	80.2
Cost of Services Provided	83.48	83.07	77.59	68.19	59.21	53.61
Other Operating Expenses	-17.54	-22.09	-13.08	-16.02	3.84	28.67
Total Operating Expenses	164.3	158.03	153.51	138.07	145.25	164.26
Operating Income	27.96	27.43	61.1	116.19	65.75	20.12
Pretax Income	27.96	27.43	61.1	116.19	65.75	20.12
Income Tax Expense	8.52	8.23	15.75	30.21	18.22	-1.56
Net Income	19.43	19.2	45.34	85.98	47.52	21.68
Net Income to Common	19.43	19.2	45.34	85.98	47.52	21.68
Net Income Growth	-27.57%	-57.65%	-47.27%	80.92%	119.24%	300.98%
Shares Outstanding (Basic)	22	21	21	21	23	23
Shares Outstanding (Diluted)	24	24	25	27	26	24
Shares Change (YoY)	-2.05%	-3.54%	-5.16%	3.14%	7.40%	-0.25%
EPS (Basic)	0.90	0.90	2.17	4.10	2.11	0.96
EPS (Diluted)	0.80	0.79	1.80	3.23	1.84	0.90
EPS Growth	-26.70%	-56.11%	-44.27%	75.54%	104.44%	309.09%
Free Cash Flow	265.32	233.32	237.42	213.78	196.22	238.74
Free Cash Flow Per Share	10.95	9.59	9.41	8.04	7.61	9.95
Operating Margin	14.54%	14.79%	28.47%	45.70%	31.16%	10.91%
Profit Margin	10.11%	10.35%	21.13%	33.82%	22.52%	11.76%
Free Cash Flow Margin	138.00%	125.80%	110.63%	84.08%	93.00%	129.49%
Effective Tax Rate	30.49%	30.00%	25.79%	26.00%	27.72%	-
Revenue as Reported	422.52	393.51	352.01	329.71	267.81	271.16

Updated May 12, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

SEC Filings: 10-K · 10-Q