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Consumer Portfolio Services cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$94.2M in Q3 2026 · $359M over twelve months

Operating cash flow$94.6M
Capital spending−$400K
Free cash flow+$94.2M
Cash / net income13.6×

Analysis

In Q3 2026, Consumer Portfolio Services generated $94.6M of operating cash flow and spent $400K on capital projects, leaving free cash flow of $94.2M. That is $9.4M more than in Q3 2025 ($84.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $360M; the largest uses were other investing ($1.3B), buybacks ($11.4M), capital spending ($1.4M); besides operations, cash came from net borrowing (+) / repaid (−) ($940M), other financing ($25.0M); the cash balance rose by $28.2M.

Operating cash flow was $94.6M against net income of $7.0M — 13.6× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$2.7M, payables −$1.1M, stock-based pay +$537K.

Free cash flow

Consumer Portfolio Services: free cash flow by quarterConsumer Portfolio Services: free cash flow by quarter$67.9MQ4 2024$73.4MQ1 2025$54.3MQ2 2025$84.9MQ3 2025$75.7MQ4 2025$83.0MQ1 2026$106MQ2 2026$94.2MQ3 2026
Operating cash flow less capital spending.
Consumer Portfolio Services: operating cash flow against capital spendingConsumer Portfolio Services: operating cash flow against capital spendingOperating cash flowCapital spending$68.0M$77KQ4 2024$73.9M$471KQ1 2025$54.5M$124KQ2 2025$84.9M$49KQ3 2025$75.8M$65KQ4 2025$83.8M$796KQ1 2026$106M$172KQ2 2026$94.6M$400KQ3 2026
Latest (Q3 2026): Operating cash flow $94.6M, Capital spending $400K.

Capital allocation, year by year

Consumer Portfolio Services: where the cash came from (up) and went (down), by fiscal yearConsumer Portfolio Services: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksFY2021: Operating cash flow $198MFY2021: Net borrowing −$30.1MFY2021: Shares issued $6.0MFY2021: Capital spending −$2.0MFY2021: Buybacks −$25.7M$204MFY2021FY2022: Operating cash flow $216MFY2022: Net borrowing $532MFY2022: Shares issued $15.3MFY2022: Capital spending −$2.1MFY2022: Buybacks −$46.1M$763MFY2022FY2023: Operating cash flow $238MFY2023: Net borrowing $104MFY2023: Shares issued $16.6MFY2023: Capital spending −$559KFY2023: Buybacks −$20.3M$358MFY2023FY2024: Operating cash flow $234MFY2024: Net borrowing $510MFY2024: Shares issued $6.9MFY2024: Capital spending −$433KFY2024: Buybacks −$12.8M$751MFY2024FY2025: Operating cash flow $289MFY2025: Net borrowing $305MFY2025: Shares issued $4.7MFY2025: Capital spending −$709KFY2025: Buybacks −$8.7M$599MFY2025
Over these 5 years operating cash flow totalled $1.2B; the largest uses were buybacks ($114M) and net borrowing ($30.1M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$5.1M
Debtnone
Net cash$5.1M

Consumer Portfolio Services funds itself: free cash flow was $359M over the last twelve months, with $5.1M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Consumer Portfolio Services: sources (+) and uses (−) of cash, Q3 2026Consumer Portfolio Services: sources (+) and uses (−) of cash, Q3 2026Other investing−$494MNet borrowing (+) / repaid (−)$386MOperating cash flow$94.6MOther financing$15.2MBuybacks−$5.2MShares issued$2.9MCapital spending−$400KCash drawn (+) / kept (−)$93K
Consumer Portfolio Services: sources (+) and uses (−) of cash, TTM to Q3 2026Consumer Portfolio Services: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$1.3BNet borrowing (+) / repaid (−)$940MOperating cash flow$360MCash drawn (+) / kept (−)−$28.2MOther financing$25.0MBuybacks−$11.4MShares issued$3.4MCapital spending−$1.4M

From profit to cash

Consumer Portfolio Services: net income to operating cash flow, Q3 2026Consumer Portfolio Services: net income to operating cash flow, Q3 2026Net income$7.0MDepreciation & amortization$265KStock-based pay$537KPayables−$1.1MPrepaid and other assets$2.7MOperating cash flow$94.6M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$94.6M−$400K−$5.2M$386M$2.9M$93K$94.2M
Q2 2026$106M−$172K−$2.5M$352M$543K$5.2M$106M
Q1 2026$83.8M−$796K−$1.2M$147M—−$13.2M$83.0M
Q4 2025$75.8M−$65K−$2.6M$54.4M—−$20.3M$75.7M
Q3 2025$84.9M−$49K−$981K$47.7M$91K$8.3M$84.9M
Q2 2025$54.5M−$124K−$5.1M$99.5M$4.4M$23.3M$54.3M
Q1 2025$73.9M−$471K—$104M$246K−$46.1M$73.4M
Q4 2024$68.0M−$77K—$22.5M$88K$142M$67.9M

Consumer Portfolio Services: income statement and cash flow

Consumer Portfolio Services, Q3 2026: revenue $132M (+22% year over year), operating margin 7.6%. The chart follows the revenue to costs, profit and cash.

Consumer Portfolio Services: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.