Filing Flows › Consumer Portfolio Services (CPSS) › Q3 2025
Consumer Portfolio Services (CPSS) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 10, 2025
Consumer Portfolio Services (CPSS) reported revenue of $108M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -1% from the quarter before. Operating margin was 6.5%, net earnings $4.9M (4.5% of revenue).
Consumer Portfolio Services, Q3 2025: revenue $108M (+8% year over year), operating margin 6.5%, net earnings $4.9M, operating cash flow $84.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $108M | -1% | +8% |
| Operating profit | $7.0M | +1% | +3% |
| Net earnings | $4.9M | +1% | +1% |
| Operating cash flow | $84.9M | +56% | +22% |
| Free cash flow | $84.9M | +56% | +22% |
What changed
Revenue was $108.4M in Q3 2025, up 8% year over year and down 1% from the previous quarter.
Operating profit was $7.0M, a 6.5% margin (down 0.3 points year over year). Of the extra revenue versus a year earlier, 2% reached operating profit, below the 7% margin then. Total costs grew 8% against revenue growth of 8%. The fastest-growing cost line was Other operating costs (+10%). Net earnings were $4.9M, up 1% year over year. The effective tax rate was 31.0%.
Operating cash flow was $84.9M (up 22% year over year), 1750% of net earnings. Non-cash charges added back $207K of depreciation and amortization and $500K of share-based compensation. Working capital and other items added $79.4M. Capital expenditures of $49K left free cash flow of $84.9M.
Questions
What was Consumer Portfolio Services' revenue in the third quarter 2025?
Consumer Portfolio Services (CPSS) reported revenue of $108M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -1% from the quarter before.
Was Consumer Portfolio Services profitable in the third quarter 2025?
Operating profit was $7.0M (6.5% of revenue) and net earnings $4.9M.