earnings
confidence high
sentiment positive
materiality 0.65
CPS Q4 2025 net income $5.0M ($0.21/diluted); FY revenue record $434.5M
CONSUMER PORTFOLIO SERVICES, INC.
- Q4 net income $5.0M ($0.21 diluted EPS) on revenues $109.4M (+3.9% YoY).
- Full year revenue $434.5M (+10.4%); interest income $422.7M (+16%).
- New contract purchases $1.638B in 2025 vs $1.682B in 2024.
- Net charge-offs 7.76% vs 7.62% in 2024; 30+ day delinq 14.77% vs 14.85%.
- CEO: highest recorded revenue in company history; well positioned for 2026.