Filing Flows › Consumer Portfolio Services (CPSS) › Q2 2025
Consumer Portfolio Services (CPSS) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
Consumer Portfolio Services (CPSS) reported revenue of $110M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +3% from the quarter before. Operating margin was 6.3%, net earnings $4.8M (4.4% of revenue).
Consumer Portfolio Services, Q2 2025: revenue $110M (+14% year over year), operating margin 6.3%, net earnings $4.8M, operating cash flow $54.5M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $110M | +3% | +14% |
| Operating profit | $7.0M | +2% | +4% |
| Net earnings | $4.8M | +2% | +3% |
| Operating cash flow | $54.5M | -26% | +26% |
| Free cash flow | $54.3M | -26% | +26% |
What changed
Revenue was $109.8M in Q2 2025, up 14% year over year and up 3% from the previous quarter.
Operating profit was $7.0M, a 6.3% margin (down 0.6 points year over year). Of the extra revenue versus a year earlier, 2% reached operating profit, below the 7% margin then. Total costs grew 15% against revenue growth of 14%. The fastest-growing cost line was Other operating costs (+20%). Net earnings were $4.8M, up 3% year over year. The effective tax rate was 31.0%.
Operating cash flow was $54.5M (up 26% year over year), 1135% of net earnings. Non-cash charges added back $249K of depreciation and amortization and $645K of share-based compensation. Working capital and other items added $48.8M. Capital expenditures of $124K left free cash flow of $54.3M.
Questions
What was Consumer Portfolio Services' revenue in the second quarter 2025?
Consumer Portfolio Services (CPSS) reported revenue of $110M for the second quarter 2025 (Q2 2025), +14% from a year earlier and +3% from the quarter before.
Was Consumer Portfolio Services profitable in the second quarter 2025?
Operating profit was $7.0M (6.3% of revenue) and net earnings $4.8M.