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 -

Q3 2025

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%.

Consumer Portfolio Services (CPSS) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CPSS Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	- / -	0.2	―	―	―
Jul 29, 2025	2025 (Q2)	0.26 / -	0.19	―	―	―
May 19, 2025	2025 (Q1)	0.30 / 0.19	0.19	0.00% (0.00)	―
Feb 25, 2025	2024 (Q4)	0.27 / 0.21	0.289	-27.34% (-0.08)	―
Oct 31, 2024	2024 (Q3)	0.21 / 0.20	0.412	-51.46% (-0.21)	―
Jul 30, 2024	2024 (Q2)	- / 0.19	0.55	-65.45% (-0.36)	―
May 10, 2024	2024 (Q1)	- / 0.19	0.54	-64.81% (-0.35)	―
Mar 15, 2024	2023 (Q4)	- / 0.29	0.59	-51.02% (-0.30)	―
Nov 09, 2023	2023 (Q3)	- / 0.41	0.95	-56.63% (-0.54)	―
Aug 02, 2023	2023 (Q2)	- / 0.55	0.91	-39.56% (-0.36)	―

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

CPSS Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 29, 2025	$8.97	$8.75	-2.45%
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%

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.

FAQ

When does Consumer Portfolio Services (CPSS) report earnings?

Consumer Portfolio Services (CPSS) is schdueled to report earning on Oct 28, 2025, TBA (Confirmed).

What is Consumer Portfolio Services (CPSS) earnings time?

Consumer Portfolio Services (CPSS) earnings time is at Oct 28, 2025, TBA (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?

Currently, no data Available

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