Filing Flows › Consumer Portfolio Services (CPSS) › Q1 2025
Consumer Portfolio Services (CPSS) Q1 2025 earnings results (first quarter 2025)
10-Q filed May 12, 2025
Consumer Portfolio Services (CPSS) reported revenue of $107M for the first quarter 2025 (Q1 2025), +16% from a year earlier and +1% from the quarter before. Operating margin was 6.4%, net earnings $4.7M (4.4% of revenue).
Consumer Portfolio Services, Q1 2025: revenue $107M (+16% year over year), operating margin 6.4%, net earnings $4.7M, operating cash flow $73.9M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $107M | +1% | +16% |
| Operating profit | $6.8M | -7% | +4% |
| Net earnings | $4.7M | -9% | +2% |
| Operating cash flow | $73.9M | +9% | +40% |
| Free cash flow | $73.4M | +8% | +40% |
What changed
Revenue was $106.9M in Q1 2025, up 16% year over year and up 1% from the previous quarter.
Operating profit was $6.8M, a 6.4% margin (down 0.8 points year over year). Of the extra revenue versus a year earlier, 2% reached operating profit, below the 7% margin then. Total costs grew 17% against revenue growth of 16%. The fastest-growing cost line was Sales & marketing (+21%). Net earnings were $4.7M, up 2% year over year. The effective tax rate was 31.0%.
Operating cash flow was $73.9M (up 40% year over year), 1574% of net earnings. Non-cash charges added back $249K of depreciation and amortization and $717K of share-based compensation. Working capital and other items added $68.2M. Capital expenditures of $471K left free cash flow of $73.4M.
Questions
What was Consumer Portfolio Services' revenue in the first quarter 2025?
Consumer Portfolio Services (CPSS) reported revenue of $107M for the first quarter 2025 (Q1 2025), +16% from a year earlier and +1% from the quarter before.
Was Consumer Portfolio Services profitable in the first quarter 2025?
Operating profit was $6.8M (6.4% of revenue) and net earnings $4.7M.