Consumer Portfolio Services, Inc. (CPSS)
Consumer Portfolio Services, Inc. brought in $475M of revenue over the twelve months to September 30, 2026, up 10.4% from a year earlier. Net income was $23.7M, a net margin of 5.0%. Operating cash flow minus capital spending left $288.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $5.1M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 30, 2026.
Key facts about Consumer Portfolio Services, Inc.
- Net worth
- Consumer Portfolio Services, Inc. has a market value (market cap) of $225.2M at the latest share price, and shareholders' equity of $324.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $434.5M (+10.4% year on year), with net income of $19.3M. Over the 12 months to September 30, 2026: revenue $475M, net income $23.7M.
- Cash flow
- In fiscal 2025 operations brought in $289M of cash; after $709K of capital spending, free cash flow was $288.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 30, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Consumer Portfolio Services, Inc.'s next report is expected around March 9, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
What Consumer Portfolio Services, Inc. does
Consumer Portfolio Services, Inc. is registered with the SEC under industry code SIC 6199 (Finance Services). Its shares trade on NASDAQ under the ticker CPSS.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $434.5M | $19.3M | $0.80 | $288.3M |
| 2024 | $393.5M | $19.2M | $0.79 | $233.3M |
| 2023 | $352M | $45.3M | $1.80 | $237.4M |
| 2022 | $329.7M | $86M | $3.23 | $213.8M |
| 2021 | $267.8M | $47.5M | $1.84 | $196.2M |
| 2020 | $271.2M | $21.7M | $0.90 | $238.7M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CPSS ranks in Finance
Latest SEC filings
What Consumer Portfolio Services, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 2, 2026
- October 30, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 22% to $131.9M versus the same quarter last year; diluted EPS $0.30 versus $0.20.
- October 23, 2026
- October 21, 2026
- October 13, 2026
- October 5, 2026Form ABS-15G filing ABS-15G
- September 30, 2026
- September 30, 2026Proxy statement DEF 14A
- August 25, 2026
- August 21, 2026Other event 8-K
What is CPSS worth? A DCF from its reported cash flow
Insider trades
What the people running Consumer Portfolio Services, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $3.3M worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Bradley Charles E JrCEO, Director, 10% owner | Sold | 200,000 | $2M |
| October 1, 2026 | Robinson TeriExec. Vice President | Gave as a giftindirect | 660 | - |
| September 1, 2026 | Jackson NoelSr. Vice President | Exercised options | 7,500 | $18.5K |
| September 1, 2026 | Jackson NoelSr. Vice President | Sold | 7,500 | $69.8K |
| August 26, 2026 | Bradley Charles E JrCEO, Director, 10% owner | Sold | 125,000 | $1.2M |
| August 12, 2026 | Ralston Catrina MarieSr. Vice President | Sold | 3,617 | $34.4K |
| August 10, 2026 | Ralston Catrina MarieSr. Vice President | Sold | 916 | $8.7K |
| August 7, 2026 | Ralston Catrina MarieSr. Vice President | Sold | 467 | $4.4K |
Who owns CPSS
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Black Diamond Capital Management I, LLLP13D, may seek influence with 1 related filers | 23.2% | November 13, 2025 |
| Bdcm CT, L.L.C.13D, may seek influence with 2 related filers | 23.1% | August 26, 2025 |
Largest institutional holders
Insiders
14 insiders reported holding 6,958,431 shares in total, about $72.7M at the last price.
| Holder | Shares |
|---|---|
| Bradley Charles E JrCEO, Director, 10% owner | 3,899,545 |
| Robinson TeriExec. Vice President | 538,733538,733 held indirectly |
| Lavin Michael T.President | 504,119504,119 held indirectly |
| Roberts William BDirector | 485,702 |
| Bharwani DeneshExec. Vice President | 361,881 |
| Terry ChrisExec. Vice President | 269,212 |
| Rayhill BrianDirector | 251,319 |
| Wood Daniel SDirector | 213,736 |
| Schween StevenSr. Vice President | 157,099 |
| Baumeister Michele LSr. Vice President | 79,728 |
Questions about CPSS
What does Consumer Portfolio Services, Inc. do?
Consumer Portfolio Services, Inc. is a company in the Finance sector, listed on NASDAQ as CPSS. Its shares trade on NASDAQ under the ticker CPSS.
What is Consumer Portfolio Services, Inc.'s net worth?
Consumer Portfolio Services, Inc. has a market value (market cap) of $225.2M at the latest share price, and shareholders' equity of $324.5M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Consumer Portfolio Services, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $23.7M on revenue of $475M, a net margin of 5.0%.
How much revenue does Consumer Portfolio Services, Inc. make?
Over the twelve months to September 30, 2026 Consumer Portfolio Services, Inc. reported revenue of $475M. That is 10.4% more than a year earlier.
When did Consumer Portfolio Services, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 30, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 6, 2026.
When is Consumer Portfolio Services, Inc.'s next earnings report?
Consumer Portfolio Services, Inc.'s next report is expected around March 9, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
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Where the numbers come from
Financial figures are the values Consumer Portfolio Services, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.