Filing Flows › Consumer Portfolio Services (CPSS) › Q3 2026 › vs Q2 2026
Consumer Portfolio Services (CPSS) Q3 2026 vs Q2 2026 (quarter over quarter)
Consumer Portfolio Services's revenue rose $10.5M (+9%) from $121M in Q2 2026 to $132M in Q3 2026. Operating margin 7.6% against 7.4% (+0.2 pts).
Consumer Portfolio Services, Q3 2026: revenue $132M (+22% year over year), operating margin 7.6%, net earnings $7.0M, operating cash flow $94.6M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 7.6% | 7.4% | +0.2 pts |
| Net margin | 5.3% | 5.1% | +0.1 pts |
| Free cash flow margin | 71.4% | 87.3% | -15.8 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $132M | $121M | $10.5M | +9% |
| Operating profit | $10.1M | $9.0M | $1.0M | +12% |
| Costs & expenses | $122M | $112M | $9.5M | +8% |
| Pre-tax earnings | $10.1M | $9.0M | $1.0M | +12% |
| Sales & marketing | $9.1M | $8.3M | $846K | +10% |
| General & admin | $15.6M | $14.7M | $894K | +6% |
| Other operating costs | $97.1M | $89.4M | $7.7M | +9% |
| Net earnings | $7.0M | $6.2M | $719K | +12% |
| Income tax | $3.1M | $2.8M | $324K | +12% |
| Depreciation & amortization | $265K | $249K | $16K | +6% |
| Share-based compensation | $537K | $578K | −$41K | -7% |
| Working capital & other | $86.9M | $99.0M | −$12.1M | -12% |
| Operating cash flow | $94.6M | $106M | −$11.4M | -11% |
| Free cash flow (OCF − capex) | $94.2M | $106M | −$11.7M | -11% |
| Capital expenditures | $400K | $172K | $228K | +133% |
Questions
How much did Consumer Portfolio Services's revenue grow quarter over quarter in Q3 2026?
Consumer Portfolio Services's revenue rose $10.5M (+9%) from $121M in Q2 2026 to $132M in Q3 2026. Operating margin 7.6% against 7.4% (+0.2 pts).