Filing Flows › Consumer Portfolio Services (CPSS) › Q1 2026
Consumer Portfolio Services (CPSS) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 8, 2026
Consumer Portfolio Services (CPSS) reported revenue of $112M for the first quarter 2026 (Q1 2026), +5% from a year earlier and +3% from the quarter before. Operating margin was 7.1%, net earnings $5.5M (4.9% of revenue).
Consumer Portfolio Services, Q1 2026: revenue $112M (+5% year over year), operating margin 7.1%, net earnings $5.5M, operating cash flow $83.8M. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $112M | +3% | +5% |
| Operating profit | $8.0M | +11% | +18% |
| Net earnings | $5.5M | +11% | +18% |
| Operating cash flow | $83.8M | +11% | +13% |
| Free cash flow | $83.0M | +10% | +13% |
What changed
Revenue was $112.3M in Q1 2026, up 5% year over year and up 3% from the previous quarter.
Operating profit was $8.0M, a 7.1% margin (up 0.8 points year over year). Of the extra revenue versus Q1 2025, 22% reached operating profit, above the 6% margin then. Total costs grew 4% against revenue growth of 5%. The fastest-growing cost line was Sales & marketing (+11%). Net earnings were $5.5M, up 18% year over year. The effective tax rate was 31.0%.
Operating cash flow was $83.8M (up 13% year over year), 1513% of net earnings. Non-cash charges added back $225K of depreciation and amortization and $512K of share-based compensation. Working capital and other items added $77.5M. Capital expenditures of $796K left free cash flow of $83.0M.
Questions
What was Consumer Portfolio Services' revenue in the first quarter 2026?
Consumer Portfolio Services (CPSS) reported revenue of $112M for the first quarter 2026 (Q1 2026), +5% from a year earlier and +3% from the quarter before.
Was Consumer Portfolio Services profitable in the first quarter 2026?
Operating profit was $8.0M (7.1% of revenue) and net earnings $5.5M.