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Consumer Portfolio Services (CPSS)
:CPSS
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 29, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.26Last Year’s EPS
0.19Same Quarter Last Year
Based on 0 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:May 19, 2025
|% Change Since: 0.34%
|Next Earnings Date:Jul 29, 2025
Earnings Call Sentiment|Positive
The earnings call reflected a strong start to the fiscal year with significant revenue and portfolio growth, improved delinquency and charge-off rates, and record shareholders' equity. However, challenges included flat earnings per share, increased interest expenses, and a decline in fair value markup. Despite these challenges, the company maintained a positive outlook, expecting further growth and improvement in credit performance.Company Guidance
During the Consumer Portfolio Services 2025 First Quarter Operating Results Conference Call, management provided optimistic guidance, highlighting a strong start to the fiscal year with originations exceeding $100 million. Revenues for the first quarter reached $106.9 million, marking a 17% increase from the previous year, driven by interest on a $3.6 billion fair value portfolio yielding 11.4%. Expenses also rose by 17% to $100.1 million, primarily due to a higher interest expense of $55 million. Despite these increases, pretax earnings grew by 3% to $6.8 million, and net income increased by 2% to $4.7 million, translating to a flat diluted earnings per share of $0.19. The company reported a 24% growth in finance receivables at fair value to $3.45 billion and a 20% increase in securitization debt to $2.74 billion. Shareholders' equity reached a record high of $298.4 million, up 7% year-over-year. The net interest margin improved by 4% to $52 million, while core operating expenses rose by 3% to $46.1 million, accounting for 5.2% of the managed portfolio, a reduction from 6% last year. The return on managed assets was slightly lower at 0.8% compared to 0.9% in 2024. The company also noted operational efficiencies, with a consistent employee base of approximately 950, and highlighted a robust credit profile with average APR at 20.32%, loan-to-value ratios at 117-118%, and an average payment of $535. Total delinquencies and charge-offs showed slight year-over-year improvements, with annualized net charge-offs at 7.5%. The company emphasized strategic growth through experienced sales hires and partnerships, maintaining a focus on credit quality and operational efficiency amid macroeconomic uncertainties.Strong Revenue Growth
Revenues increased by 17% to $106.9 million compared to $91.7 million in the first quarter of 2024.
Increase in Portfolio Size
Finance receivables at fair value increased by 24% to $3.45 billion compared to $2.79 billion as of March 31, 2024.
Record Shareholders' Equity
Shareholders' equity reached a record high of $298.4 million, a 7% increase over the previous year.
Originations Growth
Originations grew by 31.5% year-over-year with $451 million in new contracts compared to $346 million in the first quarter of 2024.
Improved Delinquency and Charge-off Rates
Total delinquency declined slightly to 12.35% from 12.39% year-over-year, and annualized net charge-offs improved to 7.5% from 7.84%.
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CPSS Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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CPSS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 19, 2025 | $8.76 | $8.79 | +0.34% |
Feb 25, 2025 | $10.15 | $10.02 | -1.28% |
Oct 31, 2024 | $10.01 | $10.01 | 0.00% |
Jul 30, 2024 | $10.00 | $9.46 | -5.40% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Consumer Portfolio Services (CPSS) report earnings?
Consumer Portfolio Services (CPSS) is schdueled to report earning on Jul 29, 2025, TBA Not Confirmed.
What is Consumer Portfolio Services (CPSS) earnings time?
Consumer Portfolio Services (CPSS) earnings time is at Jul 29, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CPSS EPS forecast?
CPSS EPS forecast for the fiscal quarter 2025 (Q2) is 0.26.
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