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Consumer Portfolio Services CPSS Residual Interest Financing

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Other financials

Income statement

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Revenue$121.4M+10.6%
Net income$6.2M+30.0%
EPS (diluted)$0.27+35.0%

Balance sheet

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Cash & equivalents$180.2M+12.5%
Total debt$898.4M+53.8%
Total equity$319.2M+5.3%
Total assets$4.4B+17.5%

Cash flow

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Operating cash flow$106.1M+94.8%
CapEx$172.0K+38.7%
Free cash flow$105.9M+94.9%

Valuation

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Market cap$199.19M+17.4%
Enterprise value$917.35M+54.5%
P/E9.2×+0.5×
P/S0.4×0.0×

Profitability

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Net margin4.8%+0.2pp
FCF margin77.4%+14.6pp

Returns & leverage

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Return on equity6.9%+0.3pp
Debt / equity2.8×+0.9×

Where this comes from

Reported directly by Consumer Portfolio Services in its filing.

Tagged under the XBRL concept cpss:ResidualInterestFinancing.

The source filing: Consumer Portfolio Services’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 2:11 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001683168-26-006096
Line itemJune 30, 2026December 31, 2025
Liabilities
Accounts payable and accrued expenses$94,698$65,244
Warehouse lines of credit679,900324,871
Residual interest financing168,809142,982
Securitization trust debt3,131,1052,986,574
Subordinated renewable notes28,46128,986
Total liabilities4,102,9733,548,657
COMMITMENTS AND CONTINGENCIES

Item 1. *Financial Statements

FAQ

What is Consumer Portfolio Services's residual interest financing?
Consumer Portfolio Services (CPSS) reported residual interest financing of $168.81M in Q2 2026.
How has Consumer Portfolio Services's residual interest financing changed year-over-year?
Consumer Portfolio Services's residual interest financing increased by 8.8% year-over-year, from $155.1M to $168.81M.
What is the long-term trend for Consumer Portfolio Services's residual interest financing?
Over 5 years (2020 to 2025), Consumer Portfolio Services's residual interest financing has grown at a 41.3% compound annual growth rate (CAGR), from $25.43M to $142.98M.
What does residual interest financing mean?
Residual Interest Financing as reported by Consumer Portfolio Services.

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