CPS Q4 net income $5.1M, down 49% YoY; full-year EPS $0.79 vs $1.89 in 2023

CONSUMER PORTFOLIO SERVICES, INC.

2024-FY EPS reported $0.79 revenue$393,506,000

Q4 revenues $105.3M (+14.5% YoY); net income $5.1M ($0.21/diluted) vs $10.0M in Q4 2023.
Full-year 2024 net income $19.2M ($0.79/diluted), down from $45.3M ($1.89) in 2023.
Operating expenses $366.1M (+25.8% YoY); pretax income fell to $27.4M from $61.1M.
New contract purchases $1.682B in 2024, up 23.9% from 2023; portfolio at record $3.491B.
Annualized net charge-offs 8.02% (Q4) vs 7.74% a year ago; 30+ day delinquencies 14.85%.

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