Filing Flows › Consumer Portfolio Services (CPSS) › Q3 2026 › vs Q3 2025
Consumer Portfolio Services (CPSS) Q3 2026 vs Q3 2025 (year over year)
Consumer Portfolio Services's revenue rose $23.5M (+22%) from $108M in Q3 2025 to $132M in Q3 2026. Operating margin 7.6% against 6.5% (+1.2 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 7.6% | 6.5% | +1.2 pts |
| Net margin | 5.3% | 4.5% | +0.8 pts |
| Free cash flow margin | 71.4% | 78.3% | -6.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $132M | $108M | $23.5M | +22% |
| Operating profit | $10.1M | $7.0M | $3.0M | +43% |
| Costs & expenses | $122M | $101M | $20.4M | +20% |
| Pre-tax earnings | $10.1M | $7.0M | $3.0M | +43% |
| Sales & marketing | $9.1M | $5.7M | $3.5M | +61% |
| General & admin | $15.6M | $12.7M | $2.9M | +22% |
| Other operating costs | $97.1M | $83.0M | $14.1M | +17% |
| Net earnings | $7.0M | $4.9M | $2.1M | +43% |
| Income tax | $3.1M | $2.2M | $946K | +43% |
| Depreciation & amortization | $265K | $207K | $58K | +28% |
| Share-based compensation | $537K | $500K | $37K | +7% |
| Working capital & other | $86.9M | $79.4M | $7.5M | +9% |
| Operating cash flow | $94.6M | $84.9M | $9.7M | +11% |
| Free cash flow (OCF − capex) | $94.2M | $84.9M | $9.4M | +11% |
| Capital expenditures | $400K | $49K | $351K | +716% |
Questions
How much did Consumer Portfolio Services's revenue grow year over year in Q3 2026?
Consumer Portfolio Services's revenue rose $23.5M (+22%) from $108M in Q3 2025 to $132M in Q3 2026. Operating margin 7.6% against 6.5% (+1.2 pts).