CPS Q2 2025 net income $4.8M ($0.20/diluted), revenue $109.8M (+14.5% YoY)

CONSUMER PORTFOLIO SERVICES, INC.

2025-Q2 EPS reported $0.39 revenue$216,638,000

Pretax income $7.0M vs $6.7M YoY; revenue growth driven by 14.5% increase to $109.8M.
Record shareholder's equity exceeded $300M for first time; total receivables $3.708B.
New contract purchases $433.0M in Q2, slightly above $431.9M in same quarter 2024.
Annualized net charge-offs 7.45% vs 7.26% YoY; delinquencies >30 days improved to 13.14% from 13.29%.
Six-month net income $9.5M ($0.40/diluted) vs $9.3M ($0.38/diluted) in prior year period.

item 2.02item 9.01

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