CONSUMER PORTFOLIO SERVICES, INC. financials

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CPSS CIK 0000889609

Source: EDGAR filings · Built 2026-06-02T02:44:13Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 288.10M 233.22M 237.27M 212.84M 195.10M 237.74M
Net Debt 3.00B 2.60B 2.18B 1.95B 1.72B 1.86B
Net Margin 4.45% 4.88% 12.88% 26.08% 17.75% 7.99%
Return on Equity (ROE) 6.24% — 16.51% 37.65% 27.92% 16.25%
Return on Assets (ROA) 0.50% 0.55% 1.56% 3.12% 2.20% 1.01%
Debt-to-Equity 9.71× — 7.95× 8.60× 10.29× 14.07×
Effective Tax Rate 30.99% 30.00% 25.79% 26.00% 27.72% -7.74%
Cash Conversion Ratio 14.95× 12.17× 5.25× 2.51× 4.17× 11.01×
Accruals Ratio -0.07× -0.06× -0.07× -0.05× -0.07× -0.10×
SBC % of Revenue 0.61% 0.75% 0.98% 1.34% 0.75% 0.71%
CapEx Coverage 321.47× 441.05× 334.71× 69.72× 64.06× 231.59×
Free Cash Flow Per Share $11.96 $9.59 $9.41 $8.00 $7.57 $9.90

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 11.66× 13.75× 5.21× 2.74× 6.44× 4.71×
P/FCF 0.78× 1.13× 1.00× 1.11× 1.57× 0.43×
FCF Yield — 88.29% — 90.45% 63.86% —
P/S 0.47× 0.59× 0.56× 0.54× 0.94× 0.36×
P/B 0.66× — 0.72× 0.78× 1.47× 0.72×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 434.47M 393.51M 352.01M 329.71M 267.81M 271.16M
Operating Expenses 406.47M 366.07M 290.92M 213.52M 202.06M 251.04M
Income Tax Expense (Benefit) 8.68M 8.23M 15.75M 30.21M 18.22M -1.56M
Net Income (Loss) Attributable to Parent 19.32M 19.20M 45.34M 85.98M 47.52M 21.68M
Earnings Per Share, Basic $0.88 $0.90 $2.17 $4.10 $2.11 $0.96
Weighted Average Number of Shares Outstanding, Basic 21.89M 21.29M 20.90M 20.96M 22.56M 22.61M
Earnings Per Share, Diluted $0.80 $0.79 $1.80 $3.23 $1.84 $0.90
Weighted Average Number of Shares Outstanding, Diluted 24.08M 24.32M 25.22M 26.59M 25.78M 24.00M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Cash and Cash Equivalents, at Carrying Value 6.32M 11.71M 6.17M 13.49M 29.93M 13.47M
Assets 3.86B 3.49B 2.90B 2.75B 2.16B 2.15B
Liabilities 3.55B 3.20B 2.63B 2.52B 1.99B 2.01B
Stockholders' Equity Attributable to Parent 309.54M 0 274.67M 228.39M 170.21M 133.36M
Common Stock, Shares, Outstanding 21.84M 21.43M 21.17M 20.13M 21.14M 22.74M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 289.00M 233.75M 237.98M 215.93M 198.19M 238.77M
Payments to Acquire Property, Plant, and Equipment 709.00K 433.00K 559.00K 2.15M 1.98M 24.00K
Net Cash Provided by (Used in) Investing Activities -590.12M -769.71M -359.53M -713.90M -115.36M 93.03M
Payments for Repurchase of Common Stock 8.67M 12.83M 20.27M 46.10M 25.68M 1.22M
Net Cash Provided by (Used in) Financing Activities 335.93M 547.92M 84.19M 484.21M -50.44M -328.48M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CPSS CIK 0000889609), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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