Consumer Portfolio Service Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $451.6M+14.8% YoYTTM through 30 Jun 2026
Net Income $21.6M+12.5% YoYTTM through 30 Jun 2026
Free Cash Flow $349.5MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 6.4% |
| Net Margin | 4.8% |
Returns
6.2%ROE
0.5%ROA
0.6%ROIC
Balance Sheet Health
Debt / Equity11.09x
Net Debt$3.5B
Cash & Equivalents$7.5M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin77.4%
Earnings-Beat Rate0.0%
Multi-Year Trend
RevenueFY2025: $434.5M
Diluted EPS$0.91TTMFY2025: $0.80
Dividend
No dividend
Capital Allocation
Capex Intensity0.2%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Indirect Vehicle Financing | $434.5M | +10.4% | View detailsThe company continues to focus on expanding its warehouse credit facilities and executing quarterly asset-backed securitizations to support origination growth while managing credit risk and funding costs. |
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