Filing Flows › Consumer Portfolio Services (CPSS) › Q3 2026
Consumer Portfolio Services (CPSS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Oct 30, 2026
Consumer Portfolio Services (CPSS) reported revenue of $132M for the third quarter 2026 (Q3 2026), +22% from a year earlier and +9% from the quarter before. Operating margin was 7.6%, net earnings $7.0M (5.3% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $132M | +9% | +22% |
| Operating profit | $10.1M | +12% | +43% |
| Net earnings | $7.0M | +12% | +43% |
| Operating cash flow | $94.6M | -11% | +11% |
| Free cash flow | $94.2M | -11% | +11% |
What changed
Revenue was $131.9M in Q3 2026, up 22% year over year and up 9% from the previous quarter.
Operating profit was $10.1M, a 7.6% margin (up 1.2 points year over year). Of the extra revenue versus Q3 2025, 13% reached operating profit, above the 6% margin then. Total costs grew 20% against revenue growth of 22%. The fastest-growing cost line was Sales & marketing (+61%). Net earnings were $7.0M, up 43% year over year. The effective tax rate was 31.0%.
Operating cash flow was $94.6M (up 11% year over year), 1361% of net earnings. Non-cash charges added back $265K of depreciation and amortization and $537K of share-based compensation. Working capital and other items added $86.9M. Capital expenditures of $400K left free cash flow of $94.2M.
Questions
What was Consumer Portfolio Services' revenue in the third quarter 2026?
Consumer Portfolio Services (CPSS) reported revenue of $132M for the third quarter 2026 (Q3 2026), +22% from a year earlier and +9% from the quarter before.
Was Consumer Portfolio Services profitable in the third quarter 2026?
Operating profit was $10.1M (7.6% of revenue) and net earnings $7.0M.