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Consumer Portfolio Services CPSS Q4 2025 Annual earnings

Reported March 10, 2026 · After market close

Revenue$109.4MMiss by $9.2M
EPS$0.21Miss by $0.02
Revenue estimate$118.6M
EPS estimate$0.23

Next report

Aug 10, 2026 (In 1 week)

Financials

Q4 2025

Income statement

See full
Revenue$109.4M+3.9%
Net income$5.0M-3.2%
EPS (diluted)$0.210.0%

Balance sheet

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Cash & equivalents$172.2M+25.3%
Total debt$520.4M-3.9%
Total equity$309.5M—
Total assets$3.9B+10.4%

Cash flow

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Operating cash flow$75.8M+11.4%
CapEx$65.0K-15.6%
Free cash flow$75.7M+11.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$205.92M-11.4%
Enterprise value$554.08M-13.0%
P/E10.7×-1.4×
P/S0.5×-0.1×

Profitability

See full
Net margin4.4%-0.4pp
FCF margin66.4%+7.1pp

Returns & leverage

See full
Debt / equity1.7×—

Versus estimates

Revenue

Q1 2026$112.3M
Q4 2025$109.4MMiss by $9.2M
Q3 2025$108.4MMiss by $2.2MQ2 2025$109.8MMiss by $3.9MQ1 2025$106.9MMiss by $3.1MQ4 2024$105.3MBeat by $2.9M

Diluted EPS

Q1 2026$0.24
Q4 2025$0.21Miss by $0.02
Q3 2025$0.20Miss by $0.05Q2 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 Q4 2025 earnings?
Consumer Portfolio Services (CPSS) reported Q4 2025 earnings on March 10, 2026 after market close.
What were Consumer Portfolio Services's Q4 2025 revenue and EPS?
Consumer Portfolio Services reported revenue of $109.4M and eps of $0.21 for Q4 2025.
Did Consumer Portfolio Services beat estimates in Q4 2025?
Revenue missed the consensus estimate of $118.6M by $9.2M. EPS missed the consensus estimate of $0.23 by $0.02.
How did Consumer Portfolio Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.9% from $105.3M a year earlier and eps grew 0.0% from $0.21.
Where can I find Consumer Portfolio Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001683168-26-001649) and the 10-K periodic report (0001683168-26-001856) directly on SEC EDGAR. The filing index links above go to sec.gov.