Filing Flows › Consumer Portfolio Services (CPSS) › How it makes money
How Consumer Portfolio Services (CPSS) makes money
Consumer Portfolio Services (CPSS) made $132M of revenue in the third quarter 2026 (Q3 2026), +22% from a year earlier. Of every dollar of revenue, 8¢ was left as operating profit, 5¢ was left as net earnings.
Drawing the Sankey…
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $132M | 100.0% |
| Operating profit | $10.1M | 7.6% |
| Income tax | $3.1M | 2.4% |
| Net earnings | $7.0M | 5.3% |
| Operating cash flow | $94.6M | 71.7% |
| Free cash flow | $94.2M | 71.4% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $132M | +22% |
| Q2 2026 | $121M | +11% |
| Q1 2026 | $112M | +5% |
| Q4 2025 | $109M | +4% |
| Q3 2025 | $108M | +8% |
| Q2 2025 | $110M | +14% |
| Q1 2025 | $107M | +16% |
From Consumer Portfolio Services' 10-Q filed Oct 30, 2026 (on EDGAR).
Questions
How does Consumer Portfolio Services make money?
Consumer Portfolio Services (CPSS) made $132M of revenue in the third quarter 2026 (Q3 2026), +22% from a year earlier. Of every dollar of revenue, 8¢ was left as operating profit, 5¢ was left as net earnings.
What is Consumer Portfolio Services' profit margin?
Net earnings were $7.0M, 5.3% of revenue, in the third quarter 2026; the operating margin was 7.6%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.