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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

Aug 10, 2026 (In 1 week)

Financials

Q3 2025

Income statement

See full
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

See full
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
See full
Market cap$167.79M-16.1%
Enterprise value$538.5M+249%
P/E8.6×-0.8×
P/S0.4×-0.1×

Profitability

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

Returns & leverage

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

Versus estimates

Revenue

Q1 2026$112.3MQ4 2025$109.4MMiss by $9.2M
Q3 2025$108.4MMiss by $2.2M
Q2 2025$109.8MMiss by $3.9MQ1 2025$106.9MMiss by $3.1MQ4 2024$105.3MBeat by $2.9M

Diluted EPS

Q1 2026$0.24Q4 2025$0.21Miss by $0.02
Q3 2025$0.20Miss by $0.05
Q2 2025$0.20Miss by $0.06Q1 2025$0.19Miss by $0.11Q4 2024$0.21Miss by $0.06

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Questions, answered.

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.