Filing Flows › Consumer Portfolio Services (CPSS) › Q2 2026 › vs Q2 2025
Consumer Portfolio Services (CPSS) Q2 2026 vs Q2 2025 (year over year)
Consumer Portfolio Services's revenue rose $11.6M (+11%) from $110M in Q2 2025 to $121M in Q2 2026. Operating margin 7.4% against 6.3% (+1.1 pts).
Consumer Portfolio Services, Q2 2026: revenue $121M (+11% year over year), operating margin 7.4%, net earnings $6.2M, operating cash flow $106M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 7.4% | 6.3% | +1.1 pts |
| Net margin | 5.1% | 4.4% | +0.8 pts |
| Free cash flow margin | 87.3% | 49.5% | +37.8 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $121M | $110M | $11.6M | +11% |
| Operating profit | $9.0M | $7.0M | $2.1M | +30% |
| Costs & expenses | $112M | $103M | $9.5M | +9% |
| Pre-tax earnings | $9.0M | $7.0M | $2.1M | +30% |
| Sales & marketing | $8.3M | $5.7M | $2.6M | +45% |
| General & admin | $14.7M | $12.4M | $2.3M | +18% |
| Other operating costs | $89.4M | $84.7M | $4.7M | +6% |
| Net earnings | $6.2M | $4.8M | $1.4M | +30% |
| Income tax | $2.8M | $2.2M | $646K | +30% |
| Depreciation & amortization | $249K | $249K | $0 | 0% |
| Share-based compensation | $578K | $645K | −$67K | -10% |
| Working capital & other | $99.0M | $48.8M | $50.3M | +103% |
| Operating cash flow | $106M | $54.5M | $51.6M | +95% |
| Free cash flow (OCF − capex) | $106M | $54.3M | $51.6M | +95% |
| Capital expenditures | $172K | $124K | $48K | +39% |
Questions
How much did Consumer Portfolio Services's revenue grow year over year in Q2 2026?
Consumer Portfolio Services's revenue rose $11.6M (+11%) from $110M in Q2 2025 to $121M in Q2 2026. Operating margin 7.4% against 6.3% (+1.1 pts).