Filing Flows › Consumer Portfolio Services (CPSS) › Q2 2026
Consumer Portfolio Services (CPSS) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 7, 2026
Consumer Portfolio Services (CPSS) reported revenue of $121M for the second quarter 2026 (Q2 2026), +11% from a year earlier and +8% from the quarter before. Operating margin was 7.4%, net earnings $6.2M (5.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $121M | +8% | +11% |
| Operating profit | $9.0M | +13% | +30% |
| Net earnings | $6.2M | +13% | +30% |
| Operating cash flow | $106M | +27% | +95% |
| Free cash flow | $106M | +28% | +95% |
What changed
Revenue was $121.4M in Q2 2026, up 11% year over year and up 8% from the previous quarter.
Operating profit was $9.0M, a 7.4% margin (up 1.1 points year over year). Of the extra revenue versus Q2 2025, 18% reached operating profit, above the 6% margin then. Total costs grew 9% against revenue growth of 11%. The fastest-growing cost line was Sales & marketing (+45%). Net earnings were $6.2M, up 30% year over year. The effective tax rate was 31.0%.
Operating cash flow was $106.1M (up 95% year over year), 1702% of net earnings. Non-cash charges added back $249K of depreciation and amortization and $578K of share-based compensation. Working capital and other items added $99.0M. Capital expenditures of $172K left free cash flow of $105.9M.
Questions
What was Consumer Portfolio Services' revenue in the second quarter 2026?
Consumer Portfolio Services (CPSS) reported revenue of $121M for the second quarter 2026 (Q2 2026), +11% from a year earlier and +8% from the quarter before.
Was Consumer Portfolio Services profitable in the second quarter 2026?
Operating profit was $9.0M (7.4% of revenue) and net earnings $6.2M.