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Consumer Portfolio Services vs Velocity Financial: CPSS and VEL compared
Consumer Portfolio Services is the larger company: $132M of revenue in its latest quarter (Q3 2026) against $103M for Velocity Financial (Q3 2026). Consumer Portfolio Services is growing faster (+22% against +19% a year earlier). Velocity Financial is more profitable, with an operating margin of 37.3% against 7.6%.
Where the money goes: CPSS and VEL
Consumer Portfolio Services (CPSS) · Q3 2026
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.
Velocity Financial (VEL) · Q3 2026
Velocity Financial, Q3 2026: revenue $103M (+19% year over year), operating margin 37.3%, net earnings $26.4M, operating cash flow −$12.2M. The chart follows the revenue to costs, profit and cash.
| Consumer Portfolio Services (CPSS) | Velocity Financial (VEL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $132M | $103M |
| Revenue growth, Y/Y | +22% | +19% |
| Operating margin | 7.6% | 37.3% |
| Net earnings | $7.0M | $26.4M |
| Net margin | 5.3% | 25.7% |
| Operating cash flow | $94.6M | −$12.2M |
| Free cash flow | $94.2M | — |
| Market value | $219M | — |
| P/E | 9.2× | — |
Where the revenue comes from
Velocity Financial
- Net interest income: $53.5M (52%)
- Noninterest income: $49.2M (48%)
Questions
Which is bigger, Consumer Portfolio Services or Velocity Financial?
Consumer Portfolio Services is the larger company: $132M of revenue in its latest quarter (Q3 2026) against $103M for Velocity Financial (Q3 2026).
Is Consumer Portfolio Services or Velocity Financial growing faster?
Consumer Portfolio Services is growing faster (+22% against +19% a year earlier).
Which is more profitable, Consumer Portfolio Services or Velocity Financial?
Velocity Financial is more profitable, with an operating margin of 37.3% against 7.6%.
More: Consumer Portfolio Services earnings · how Consumer Portfolio Services makes money · Velocity Financial earnings · how Velocity Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Oct 30, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.