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Consumer Portfolio Services (CPSS) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Oct 30, 2026 · Consumer Portfolio Services (CPSS) Q3 2026 earnings results →
Q3 2026 Revenue up 22% year over year to $132M · 5¢ of every $1 of revenue kept as net profit · operating margin 7.6%
Consumer Portfolio Services made $132M in Q3 2026 (+22% Y/Y). Operating margin 7.6%, net earnings $7.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 30, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $131.9M in Q3 2026, up 22% year over year and up 9% from the previous quarter.
Operating profit was $10.1M, a 7.6% margin (up 1.2 points year over year). Of the extra revenue versus Q3 2025, 13% reached operating profit, above the 6% margin then. Total costs grew 20% against revenue growth of 22%. The fastest-growing cost line was Sales & marketing (+61%). Net earnings were $7.0M, up 43% year over year. The effective tax rate was 31.0%.
Operating cash flow was $94.6M (up 11% year over year), 1361% of net earnings. Non-cash charges added back $265K of depreciation and amortization and $537K of share-based compensation. Working capital and other items added $86.9M. Capital expenditures of $400K left free cash flow of $94.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Oct 30, 2026 | $132M | +22% | 7.6% | $7.0M | $94.6M |
| Q2 2026 | 10-Q | Aug 7, 2026 | $121M | +11% | 7.4% | $6.2M | $106M |
| Q1 2026 | 10-Q | May 8, 2026 | $112M | +5% | 7.1% | $5.5M | $83.8M |
| Q4 2025 | 10-K | Mar 16, 2026 | $109M | +4% | 6.6% | $5.0M | $75.8M |
| Q3 2025 | 10-Q | Nov 10, 2025 | $108M | +8% | 6.5% | $4.9M | $84.9M |
| Q2 2025 | 10-Q | Aug 11, 2025 | $110M | +14% | 6.3% | $4.8M | $54.5M |
| Q1 2025 | 10-Q | May 12, 2025 | $107M | +16% | 6.4% | $4.7M | $73.9M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Consumer Portfolio Services
We are a specialty finance company. Our business is to 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 our automobile contract purchases, we provide indirect financing to the customers of dealers who have limited credit histories or past credit problems, who we refer to as sub-prime customers. We serve as an alternative source of financing for dealers, facilitating sales to customers who otherwise might not be able to obtain financing from traditional sources, such as commercial banks, credit unions and the captive finance companies affiliated with major automobile manufacturers.
In its own words, from its 10-K, filed Mar 16, 2026.
Consumer Portfolio Services against its Finance Services peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +22% against the peers' median +18%. Operating margin: 7.6% against the peers' median 7.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CPSS Consumer Portfolio Services | Q3 2026 | $132M | +22% | 7.6% |
| AXP American Express | Q3 2026 | $20.1B | +9% | 22.6% |
| BTGO Bitgo Holdings | Q2 FY27 | $4.3B | +80% | -0.4% |
| General Motors Financial Company | Q3 2026 | $4.3B | -0.6% | 15.3% |
| SOFI SoFi Technologies | Q3 2026 | $1.4B | +44% | 22.9% |
| COIN Coinbase Global | Q3 2026 | $1.2B | -35% | 5.1% |
| CRCL Circle Internet Group | Q3 2026 | $865M | +17% | 24.1% |
| CHYM Chime Financial | Q3 2026 | $718M | +32% | 4.8% |
| GDOT Green DOT | Q2 2026 | $596M | +18% | -0.1% |
Source: Consumer Portfolio Services 10-Q on SEC EDGAR · CIK 889609 · Finance Services
13F: who owns CPSS and who is buying
More on CPSS
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results