Filing Flows › Consumer Portfolio Services (CPSS) › Q4 2025
Consumer Portfolio Services (CPSS) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 16, 2026
Consumer Portfolio Services (CPSS) reported revenue of $109M for the fourth quarter 2025 (Q4 2025), +4% from a year earlier and +0.9% from the quarter before. Operating margin was 6.6%, net earnings $5.0M (4.6% of revenue).
Consumer Portfolio Services, Q4 2025: revenue $109M (+4% year over year), operating margin 6.6%, net earnings $5.0M, operating cash flow $75.8M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $109M | +0.9% | +4% |
| Operating profit | $7.2M | +3% | -2% |
| Net earnings | $5.0M | +3% | -3% |
| Operating cash flow | $75.8M | -11% | +11% |
| Free cash flow | $75.7M | -11% | +11% |
What changed
Revenue was $109.4M in Q4 2025, up 4% year over year and up 1% from the previous quarter.
Operating profit was $7.2M, a 6.6% margin (down 0.4 points year over year). Operating profit fell $134K even though revenue rose $4.1M versus a year earlier, so costs grew faster than sales. Total costs grew 4% against revenue growth of 4%. Net earnings were $5.0M, down 3% year over year. The effective tax rate was 31.0%.
Operating cash flow was $75.8M (up 11% year over year), 1521% of net earnings. Non-cash charges added back $176K of depreciation and amortization and $808K of share-based compensation. Working capital and other items added $69.8M. Capital expenditures of $65K left free cash flow of $75.7M.
Questions
What was Consumer Portfolio Services' revenue in the fourth quarter 2025?
Consumer Portfolio Services (CPSS) reported revenue of $109M for the fourth quarter 2025 (Q4 2025), +4% from a year earlier and +0.9% from the quarter before.
Was Consumer Portfolio Services profitable in the fourth quarter 2025?
Operating profit was $7.2M (6.6% of revenue) and net earnings $5.0M.