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Consumer Portfolio Services CPSS Q3 2025 earnings

Reported November 10, 2025 · Before market open

Revenue$108.4MMiss by $2.2M
EPS$0.20Miss by $0.05
Revenue estimate$110.6M
EPS estimate$0.25

Next report

Nov 9, 2026 (in 2 months)

Financials

Q3 2025

Income statement

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Revenue$108.4M+7.8%
Net income$4.9M+1.2%
EPS (diluted)$0.200.0%

Balance sheet

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Cash & equivalents$151.9M-45.6%
Total debt$522.6M+124%
Total equity$307.6M+7.9%
Total assets$3.8B+10.0%

Cash flow

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Operating cash flow$84.9M+21.7%
CapEx$49.0K-51.0%
Free cash flow$84.9M+21.8%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$167.79M-16.1%
Enterprise value$538.5M+249%
P/E8.6×-0.8×
P/S0.4×-0.1×

Profitability

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Net margin4.5%-1.1pp
FCF margin65.2%+7.0pp

Returns & leverage

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Return on equity6.6%-1.1pp
Debt / equity1.7×+0.9×

FAQ

When did Consumer Portfolio Services report Q3 2025 earnings?
Consumer Portfolio Services (CPSS) reported Q3 2025 earnings on November 10, 2025 before market open.
What were Consumer Portfolio Services's Q3 2025 revenue and EPS?
Consumer Portfolio Services reported revenue of $108.4M and eps of $0.20 for Q3 2025.
Did Consumer Portfolio Services beat estimates in Q3 2025?
Revenue missed the consensus estimate of $110.6M by $2.2M. EPS missed the consensus estimate of $0.25 by $0.05.
How did Consumer Portfolio Services's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.8% from $100.6M a year earlier and eps grew 0.0% from $0.20.
Where can I find Consumer Portfolio Services's Q3 2025 SEC filings?
You can read the 8-K earnings release (0001683168-25-008154) and the 10-Q periodic report (0001683168-25-008144) directly on SEC EDGAR. The filing index links above go to sec.gov.