Consumer Portfolio Services, Inc. (CPSS)

From the record

Consumer Portfolio Services, Inc.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

Consumer Portfolio Services, Inc.'s 10 filed years say what it did: revenue went from $422 million in fiscal 2016 to $434 million in fiscal 2025, up 0.3% a year; it rose in 5 of 9 years; the deepest fall was 38% from fiscal 2017 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Consumer Portfolio Services, Inc.'s diluted share count shrank about 3.2% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 9 sales and 0 purchases of their own stock on the open market in the year to 2026-11-06 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Consumer Portfolio Services, Inc. earned about 6 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 1.0% over the year (the filed statements).

From the record

Consumer Portfolio Services, Inc.'s standing among 114 graded names in its industry family: revenue of $434 million in fiscal 2025 ranks in the top 27% by size; a net margin of 4.4% ranks in the top 27%; revenue growth of 9.6% a year over the last 3 filed years ranks in the bottom 50% (its annual reports).

From the record

Consumer Portfolio Services, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Bradley, Charles E Jr (CEO, as filed), filing under that title since 2022-04-04, 4.6 years (top 30% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 8.6 years (top 10%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (top 38%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Consumer Portfolio Services, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $6 million against debt of $501 million leaves -12.8% of its assets as net cash, bottom 11% of its family; cash from operations less capital spending is 66.4% of revenue (top 4%) (its annual report).

From the record

Consumer Portfolio Services, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 9.6% a year over the last three filed years against 0.3% over all 10, speeding up (top 19% of its family); the newest year grew 10.4% (top 49%); capital spending grew -30.9% a year (bottom 27%) (its annual reports). Consumer Portfolio Services, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Consumer Portfolio Services, Inc.'s newest year against its own record: revenue of $434 million in fiscal 2025 came in 1.1% above the $430 million its prior three years' pace pointed to (bottom 48% of its family); net income of $19 million against a prior three-year average of $50 million (bottom 43%); a net margin of 4.4% against 14.6% before (bottom 46%) (its annual reports).