Consumer Portfolio Services, Inc. (CPSS)

Nasdaq: CPSS · Finance Services · Las Vegas, NV · filing with the SEC since 1996

Grade6.5

◀ Past 7.4● Present 6.5▶ Future 5.1

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Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 16, 2026	Mar 12, 2025	Mar 15, 2024	Mar 15, 2023	Mar 16, 2022	Mar 10, 2021	Mar 16, 2020	Mar 13, 2019	Mar 7, 2018	Mar 7, 2017
Revenue	434,470	393,506	352,014	329,709	267,811	271,161	345,800	389,775	434,383	422,282
For lenders
Interest and dividend income	422,698	363,962	329,219	305,237^r	266,266^r	265,454	337,096	380,297	·	·
Interest and investment income	4,197	6,948	15,567	35,091	69,783	126,043	211,138	334,634	423,567	408,723
Interest expense on deposits and borrowings	232,024	191,257	146,631	87,524	·	·	·	·	·	·
Provision for credit losses	2,934	5,307	22,300^r	28,100^r	-14,590	14,113	85,773	133,080	186,713	178,511
Sales and marketing	22,801	22,752	21,216	23,039	16,876	14,206	17,893	17,572	15,613	17,818
General and administrative	52,870	54,710	50,001	37,618	34,616	31,981	33,004	31,037	26,578	24,840
Total operating expenses	406,467	366,075	290,917	213,516	202,065	251,041	·	·	·	·
Interest expense	232,024	191,257	146,631	87,524	75,239	101,338	110,528	101,466	92,345	79,941
Income before income taxes	28,003	27,431	61,097	116,193	65,746	20,120	9,162	18,703	32,071	49,661
Income tax expense	8,678	8,228	15,754	30,210	18,222	-1,557	3,756	3,841	28,306	20,361
Net income including non-controlling interests	·	·	·	·	65,746	20,120	9,162	·	·	·
Net income	19,325	19,203	45,343	85,983	47,524	21,677	5,406	14,862	3,765	29,300
Earnings per share, basic	0.88	0.90	2.17	4.10	2.11	0.96	0.24	0.68	0.17	1.20
Earnings per share, diluted	0.80	0.79	1.80	3.23	1.84	0.90	0.22	0.59	0.14	1.01
Weighted average shares, basic	21,889	21,292	20,896	20,958	22,562	22,611	22,416	21,989	22,687	24,356
Weighted average shares, diluted	24,081	24,325	25,218	26,589	25,780	24,003	24,064	24,988	27,214	29,035

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earnedus-gaap:InvestmentIncomeNet

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses

Sales and marketing the cost of finding and serving customersus-gaap:SellingAndMarketingExpense

General and administrative the cost of running the company itselfus-gaap:GeneralAndAdministrativeExpense

Total operating expenses the running costs togetherus-gaap:OperatingExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before tax

us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest
us-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton CPSS · research, not advice