Consumer Portfolio Services Inc
NASDAQ:CPSS
Income Statement
Earnings Waterfall
Consumer Portfolio Services Inc
Revenue
|
340m
USD
|
Cost of Revenue
|
-146.6m
USD
|
Gross Profit
|
193.4m
USD
|
Operating Expenses
|
-144.3m
USD
|
Operating Income
|
49.1m
USD
|
Other Expenses
|
-3.8m
USD
|
Net Income
|
45.3m
USD
|
Income Statement
Consumer Portfolio Services Inc
Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | ||
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | ||||||||||||||||||||||||||||||||||||||||||
Revenue |
256
N/A
|
269
+5%
|
270
+0%
|
283
+5%
|
300
+6%
|
318
+6%
|
335
+5%
|
352
+5%
|
364
+3%
|
378
+4%
|
395
+4%
|
409
+4%
|
422
+3%
|
429
+2%
|
434
+1%
|
435
+0%
|
434
0%
|
430
-1%
|
420
-2%
|
406
-3%
|
390
-4%
|
374
-4%
|
361
-3%
|
351
-3%
|
346
-2%
|
339
-2%
|
329
-3%
|
317
-4%
|
301
-5%
|
287
-5%
|
277
-3%
|
272
-2%
|
272
+0%
|
277
+2%
|
287
+4%
|
301
+5%
|
314
+5%
|
326
+4%
|
333
+2%
|
337
+1%
|
340
+1%
|
|
Gross Profit | ||||||||||||||||||||||||||||||||||||||||||
Cost of Revenue |
(58)
|
(55)
|
(53)
|
(51)
|
(50)
|
(50)
|
(52)
|
(55)
|
(58)
|
(62)
|
(68)
|
(74)
|
(80)
|
(84)
|
(88)
|
(90)
|
(92)
|
(94)
|
(96)
|
(99)
|
(102)
|
(105)
|
(107)
|
(109)
|
(111)
|
(110)
|
(109)
|
(106)
|
(101)
|
(95)
|
(88)
|
(81)
|
(75)
|
(71)
|
(71)
|
(76)
|
(88)
|
(104)
|
(121)
|
(135)
|
(147)
|
|
Gross Profit |
198
N/A
|
214
+8%
|
218
+2%
|
233
+7%
|
250
+7%
|
268
+7%
|
283
+6%
|
297
+5%
|
306
+3%
|
316
+3%
|
326
+3%
|
335
+3%
|
342
+2%
|
345
+1%
|
347
+0%
|
345
0%
|
342
-1%
|
336
-2%
|
323
-4%
|
307
-5%
|
288
-6%
|
270
-6%
|
254
-6%
|
242
-5%
|
235
-3%
|
228
-3%
|
220
-4%
|
212
-4%
|
199
-6%
|
192
-4%
|
189
-1%
|
191
+1%
|
197
+3%
|
206
+5%
|
217
+5%
|
225
+4%
|
227
+1%
|
222
-2%
|
212
-4%
|
202
-5%
|
193
-4%
|
|
Operating Income | ||||||||||||||||||||||||||||||||||||||||||
Operating Expenses |
(160)
|
(172)
|
(172)
|
(183)
|
(198)
|
(213)
|
(225)
|
(237)
|
(245)
|
(257)
|
(271)
|
(282)
|
(293)
|
(300)
|
(306)
|
(309)
|
(310)
|
(307)
|
(298)
|
(285)
|
(270)
|
(253)
|
(239)
|
(229)
|
(226)
|
(205)
|
(182)
|
(160)
|
(136)
|
(143)
|
(134)
|
(132)
|
(127)
|
(121)
|
(116)
|
(118)
|
(126)
|
(129)
|
(131)
|
(138)
|
(144)
|
|
Selling, General & Administrative |
(83)
|
(86)
|
(77)
|
(82)
|
(89)
|
(95)
|
(97)
|
(99)
|
(101)
|
(103)
|
(108)
|
(110)
|
(113)
|
(118)
|
(119)
|
(121)
|
(122)
|
(126)
|
(130)
|
(132)
|
(136)
|
(135)
|
(137)
|
(139)
|
(139)
|
(142)
|
(139)
|
(137)
|
(134)
|
(131)
|
(132)
|
(132)
|
(140)
|
(144)
|
(147)
|
(153)
|
(153)
|
(156)
|
(159)
|
(163)
|
(166)
|
|
Depreciation & Amortization |
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(0)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(1)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(2)
|
(1)
|
(1)
|
(1)
|
(1)
|
|
Other Operating Expenses |
(77)
|
(86)
|
(94)
|
(101)
|
(108)
|
(118)
|
(128)
|
(138)
|
(143)
|
(153)
|
(162)
|
(171)
|
(179)
|
(182)
|
(186)
|
(187)
|
(187)
|
(180)
|
(167)
|
(152)
|
(133)
|
(117)
|
(102)
|
(90)
|
(86)
|
(62)
|
(41)
|
(22)
|
0
|
(11)
|
0
|
2
|
15
|
24
|
32
|
36
|
28
|
28
|
29
|
25
|
22
|
|
Operating Income |
37
N/A
|
42
+14%
|
46
+9%
|
49
+7%
|
52
+6%
|
55
+6%
|
58
+5%
|
60
+3%
|
61
+3%
|
59
-4%
|
56
-5%
|
53
-6%
|
50
-6%
|
45
-9%
|
41
-9%
|
37
-11%
|
32
-12%
|
29
-10%
|
26
-11%
|
22
-13%
|
19
-16%
|
17
-10%
|
15
-11%
|
13
-13%
|
9
-30%
|
24
+157%
|
38
+61%
|
52
+36%
|
64
+23%
|
49
-24%
|
56
+15%
|
59
+6%
|
70
+19%
|
85
+21%
|
100
+18%
|
107
+7%
|
101
-6%
|
92
-8%
|
82
-12%
|
64
-22%
|
49
-23%
|
|
Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||
Interest Income Expense |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(10)
|
(20)
|
(23)
|
(30)
|
(24)
|
(14)
|
(11)
|
(4)
|
2
|
7
|
15
|
15
|
13
|
0
|
6
|
12
|
|
Non-Reccuring Items |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
(4)
|
(7)
|
(14)
|
(14)
|
0
|
(7)
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
Total Other Income |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
8
|
0
|
0
|
|
Pre-Tax Income |
37
N/A
|
42
+14%
|
46
+9%
|
49
+7%
|
52
+6%
|
55
+6%
|
58
+5%
|
60
+3%
|
61
+3%
|
59
-4%
|
56
-5%
|
53
-6%
|
50
-6%
|
45
-9%
|
41
-9%
|
37
-11%
|
32
-12%
|
29
-10%
|
26
-11%
|
22
-13%
|
19
-16%
|
17
-10%
|
15
-11%
|
13
-13%
|
9
-30%
|
10
+4%
|
11
+19%
|
15
+27%
|
20
+39%
|
25
+24%
|
34
+37%
|
48
+40%
|
66
+37%
|
87
+33%
|
107
+23%
|
122
+14%
|
116
-5%
|
105
-9%
|
90
-15%
|
70
-22%
|
61
-12%
|
|
Net Income | ||||||||||||||||||||||||||||||||||||||||||
Tax Provision |
(16)
|
(19)
|
(20)
|
(21)
|
(23)
|
(24)
|
(25)
|
(26)
|
(27)
|
(25)
|
(24)
|
(22)
|
(20)
|
(19)
|
(17)
|
(15)
|
(13)
|
(11)
|
(9)
|
(8)
|
(4)
|
(3)
|
(3)
|
(2)
|
(4)
|
5
|
4
|
3
|
2
|
(9)
|
(11)
|
(15)
|
(18)
|
(24)
|
(28)
|
(31)
|
(30)
|
(27)
|
(22)
|
(17)
|
(16)
|
|
Income from Continuing Operations |
21
|
24
|
26
|
28
|
30
|
31
|
33
|
34
|
35
|
34
|
32
|
31
|
29
|
27
|
24
|
21
|
19
|
18
|
16
|
15
|
15
|
14
|
12
|
11
|
5
|
14
|
16
|
18
|
22
|
16
|
23
|
33
|
48
|
64
|
79
|
91
|
86
|
79
|
67
|
52
|
45
|
|
Net Income (Common) |
21
N/A
|
24
+14%
|
26
+9%
|
28
+7%
|
30
+5%
|
31
+5%
|
33
+5%
|
34
+3%
|
35
+3%
|
34
-3%
|
32
-4%
|
31
-5%
|
29
-5%
|
27
-9%
|
24
-10%
|
21
-11%
|
4
-82%
|
2
-37%
|
1
-58%
|
(1)
N/A
|
15
N/A
|
14
-9%
|
12
-10%
|
11
-12%
|
5
-50%
|
14
+167%
|
16
+8%
|
18
+13%
|
22
+23%
|
16
-26%
|
23
+42%
|
33
+43%
|
48
+45%
|
64
+34%
|
79
+25%
|
91
+15%
|
86
-5%
|
79
-9%
|
67
-14%
|
52
-22%
|
45
-13%
|
|
EPS (Diluted) |
0.67
N/A
|
0.76
+13%
|
0.83
+9%
|
0.88
+6%
|
0.92
+5%
|
0.97
+5%
|
1.02
+5%
|
1.06
+4%
|
1.1
+4%
|
1.1
N/A
|
1.1
N/A
|
1.08
-2%
|
1.01
-6%
|
0.93
-8%
|
0.85
-9%
|
0.79
-7%
|
0.13
-84%
|
0.09
-31%
|
0.03
-67%
|
-0.02
N/A
|
0.59
N/A
|
0.55
-7%
|
0.5
-9%
|
0.45
-10%
|
0.22
-51%
|
0.61
+177%
|
0.66
+8%
|
0.74
+12%
|
0.9
+22%
|
0.64
-29%
|
0.9
+41%
|
1.24
+38%
|
1.84
+48%
|
2.25
+22%
|
2.85
+27%
|
3.4
+19%
|
3.23
-5%
|
3.09
-4%
|
2.63
-15%
|
2.09
-21%
|
1.8
-14%
|