CPSS Q1 net income $4.7M ($0.19 EPS); revenue up 16.6% to $106.9M; record portfolio of $3.615B

CONSUMER PORTFOLIO SERVICES, INC.

2025-Q1 EPS reported $0.19 vs consensus $0.31 ▼ miss (-37.9%)

Net income of $4.7M ($0.19 diluted EPS) vs $4.6M ($0.19) in Q1 2024.
Revenue $106.9M, up $15.2M or 16.6% YoY; total portfolio balance $3.615B, highest in company history.
New contract purchases of $451.2M in Q1 2025, compared to $346.3M in Q1 2024 (+30.3%).
Annualized net charge-offs improved to 7.54% from 7.84%; delinquencies >30 days at 12.35% vs 12.39%.
Pretax income $6.8M vs $6.6M in prior year; conference call scheduled for May 13, 2025 at 1:00 p.m. ET.

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