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CONSUMER PORTFOLIO SERVICES, INC.

CPSS Clue Score36
United States Fiscal year ends December CIK 0000889609
$9.38 -0.42% Close, 9 Oct 2026
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Price $9.38 +63.98% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue422.3Net income29.3EPS, diluted1.01Fiscal year 2017Revenue434.4 +2.9%Net income3.8 −87.2%EPS, diluted0.14 −86.1%Fiscal year 2018Revenue389.8 −10.3%Net income14.9 +294.7%EPS, diluted0.59 +321.4%Fiscal year 2019Revenue345.8 −11.3%Net income5.4 −63.6%EPS, diluted0.22 −62.7%Fiscal year 2020Revenue271.2 −21.6%Net income21.7 +301.0%EPS, diluted0.90 +309.1%Fiscal year 2021Revenue267.8 −1.2%Net income47.5 +119.2%EPS, diluted1.84 +104.4%Fiscal year 2022Revenue329.7 +23.1%Net income86.0 +80.9%EPS, diluted3.23 +75.5%Fiscal year 2023Revenue352.0 +6.8%Net income45.3 −47.3%EPS, diluted1.80 −44.3%Fiscal year 2024Revenue393.5 +11.8%Net income19.2 −57.6%EPS, diluted0.79 −56.1%Fiscal year 2025Revenue434.5 +10.4%Net income19.3 +0.6%EPS, diluted0.80 +1.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 422.3 434.4 389.8 345.8 271.2 267.8 329.7 352.0 393.5 434.5
Growth +2.9% −10.3% −11.3% −21.6% −1.2% +23.1% +6.8% +11.8% +10.4%
Net income 29.3 3.8 14.9 5.4 21.7 47.5 86.0 45.3 19.2 19.3
Growth −87.2% +294.7% −63.6% +301.0% +119.2% +80.9% −47.3% −57.6% +0.6%
EPS, diluted 1.01 0.14 0.59 0.22 0.90 1.84 3.23 1.80 0.79 0.80
Growth −86.1% +321.4% −62.7% +309.1% +104.4% +75.5% −44.3% −56.1% +1.3%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin6.9%Free cash flow margin46.2%Fiscal year 2017Net margin0.9%Free cash flow margin49.5%Fiscal year 2018Net margin3.8%Free cash flow margin55.2%Fiscal year 2019Net margin1.6%Free cash flow margin62.5%Fiscal year 2020Net margin8.0%Free cash flow margin88.0%Fiscal year 2021Net margin17.7%Free cash flow margin73.3%Fiscal year 2022Net margin26.1%Free cash flow margin64.8%Fiscal year 2023Net margin12.9%Free cash flow margin67.4%Fiscal year 2024Net margin4.9%Free cash flow margin59.3%Fiscal year 2025Net margin4.4%Free cash flow margin66.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 6.9% 0.9% 3.8% 1.6% 8.0% 17.7% 26.1% 12.9% 4.9% 4.4%
Free cash flow margin 46.2% 49.5% 55.2% 62.5% 88.0% 73.3% 64.8% 67.4% 59.3% 66.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow196.3Capital expenditure−1.1Free cash flow195.3Buybacks−10.5Fiscal year 2017Operating cash flow215.6Capital expenditure−0.7Free cash flow215.0 +10.1%Buybacks−12.3Fiscal year 2018Operating cash flow216.2Capital expenditure−1.1Free cash flow215.1 +0.1%Buybacks−5.3Fiscal year 2019Operating cash flow216.8Capital expenditure−0.8Free cash flow216.0 +0.4%Buybacks−1.4Fiscal year 2020Operating cash flow238.8Capital expenditure−0.0Free cash flow238.7 +10.5%Buybacks−1.2Fiscal year 2021Operating cash flow198.2Capital expenditure−2.0Free cash flow196.2 −17.8%Buybacks−25.7Fiscal year 2022Operating cash flow215.9Capital expenditure−2.1Free cash flow213.8 +9.0%Buybacks−46.1Fiscal year 2023Operating cash flow238.0Capital expenditure−0.6Free cash flow237.4 +11.1%Buybacks−20.3Fiscal year 2024Operating cash flow233.8Capital expenditure−0.4Free cash flow233.3 −1.7%Buybacks−12.8Fiscal year 2025Operating cash flow289.0Capital expenditure−0.7Free cash flow288.3 +23.6%Buybacks−8.7
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 196.3 215.6 216.2 216.8 238.8 198.2 215.9 238.0 233.8 289.0
Capital expenditure −1.1 −0.7 −1.1 −0.8 −0.0 −2.0 −2.1 −0.6 −0.4 −0.7
Free cash flow 195.3 215.0 215.1 216.0 238.7 196.2 213.8 237.4 233.3 288.3
Growth +10.1% +0.1% +0.4% +10.5% −17.8% +9.0% +11.1% −1.7% +23.6%
Buybacks −10.5 −12.3 −5.3 −1.4 −1.2 −25.7 −46.1 −20.3 −12.8 −8.7

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash13.9Shareholders’ equity186.2Fiscal year 2017Cash12.7Shareholders’ equity183.9Fiscal year 2018Cash12.8Shareholders’ equity197.1Fiscal year 2019Cash5.3Shareholders’ equity110.2Fiscal year 2020Cash13.5Shareholders’ equity133.4Fiscal year 2021Cash29.9Shareholders’ equity170.2Fiscal year 2022Cash13.5Shareholders’ equity228.4Fiscal year 2023Cash6.2Shareholders’ equity274.7Fiscal year 2024Cash11.7Shareholders’ equity292.8Fiscal year 2025Cash6.3Shareholders’ equity309.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 13.9 12.7 12.8 5.3 13.5 29.9 13.5 6.2 11.7 6.3
Shareholders’ equity 186.2 183.9 197.1 110.2 133.4 170.2 228.4 274.7 292.8 309.5

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
11.8% 7.4% 4.8% 2.6% 7.4% 24.5% 35.2% 17.4% 7.0% 6.4%
6.9% 0.9% 3.8% 1.6% 8.0% 17.7% 26.1% 12.9% 4.9% 4.4%
46.2% 49.5% 55.2% 62.5% 88.0% 73.3% 64.8% 67.4% 59.3% 66.4%
Spending
5.9% 6.1% 8.0% 9.5% 11.8% 12.9% 11.4% 14.2% 13.9% 12.2%
0.3% 0.2% 0.3% 0.2% 0.0% 0.7% 0.7% 0.2% 0.1% 0.2%
41.0% 88.3% 20.5% 41.0% −7.7% 27.7% 26.0% 25.8% 30.0% 31.0%
Returns
15.7% 2.0% 7.5% 4.9% 16.3% 27.9% 37.6% 16.5% 6.6% 6.2%
1.2% 0.2% 0.6% 0.2% 1.0% 2.2% 3.1% 1.6% 0.5% 0.5%
Balance and payout
92.3% 92.4% 92.1% 92.0% 93.8% 92.1% 91.7% 90.5% 91.6% 92.0%
5.4% 5.7% 2.5% 0.7% 0.5% 13.1% 21.6% 8.5% 5.5% 3.0%