Consumer Portfolio Services Inc
NASDAQ:CPSS
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Consumer Portfolio Services Inc
NASDAQ:CPSS
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Consumer Portfolio Services Inc
Consumer Portfolio Services, Inc. operates as an independent finance company. The company is headquartered in Irvine, California and currently employs 739 full-time employees. The Company’s business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. The company serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. The company also originates vehicle purchase money loans by lending directly to consumers. The company offers eight different financing programs, and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.
Consumer Portfolio Services, Inc. operates as an independent finance company. The company is headquartered in Irvine, California and currently employs 739 full-time employees. The Company’s business is to provide purchase and service retail automobile contracts originated primarily by franchised automobile dealers and, to a lesser extent, by select independent dealers in the United States in the sale of new and used automobiles, light trucks, and passenger vans. Through its automobile contract purchases, it provides indirect financing to the customers of dealers. The company serves as an alternative source of financing for dealers, facilitating sales to customers from traditional sources, such as commercial banks, credit unions, and the finance companies affiliated with automobile manufacturers. The company also originates vehicle purchase money loans by lending directly to consumers. The company offers eight different financing programs, and prices each program according to relative credit risk. Its financing programs include First Time Buyer, Mercury / Delta, Standard, Alpha, Alpha Plus, Super Alpha and Preferred.
Revenue: Full-year revenue was $434 million, up 10% year-over-year from $393 million.
Profitability: Full-year net income was $19.3 million, essentially flat with $19.2 million in 2024; diluted EPS was $0.80 versus $0.79.
Balance sheet: Fair value portfolio grew to $3.655 billion and cash (including restricted) rose to $172.2 million; securitization debt increased to $2.986 billion.
Funding: Signed a $150 million Capital One warehouse line and a $900 million prime forward-flow commitment, signaling strong access to capital.
Credit: Delinquencies and charge-offs were roughly stable (DQ>30 at 14.77%, annualized net charge-offs 7.76%); management expects 2022/2023 vintages to run off in 2026.
Operations / growth: Originations were $1.638 billion for 2025 (slightly below 2024); AUM grew ~8.24% to about $3.7 billion and management plans expanded sales hiring and dealer adds in 2026.
Analytics / product: Launched Generation 9 credit model (AI/ML) which increased approvals ~11% and drove ~8.4% higher fundings from the same volume of capture.
