Consumer Portfolio Services (CPSS)
NASDAQ:CPSS
Earnings Data
Report Date
May 13, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
0.19Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call highlighted multiple constructive developments: revenue and interest-income growth, material improvements in core pretax results when excluding nonrecurring fair-value marks, stronger liquidity and funding commitments (warehouse line and prime forward flow), portfolio growth, and improved operating efficiency and credit performance in recent vintages aided by a new AI-driven credit model. Headwinds include higher interest expense from increased securitization debt, muted recoveries driven by legacy 2022–2023 vintages, slightly higher charge-offs, and flat net income/EPS year-over-year. On balance, positive operational and funding momentum and improving vintage performance outweigh the near-term cost and legacy credit pressures.Company Guidance
Revenue Growth
Q4 revenues of $109.44M up from $105.3M (≈3.9% increase); full year 2025 revenues $434M, a 10% increase versus $393M in 2024.
Stronger Interest Income and Yield
Interest income on the fair value portfolio increased 16% year-over-year. The fair value portfolio is $3.655B and is yielding 11.4% (net of expected losses).
Improved Core Profitability Excluding Marks
Excluding fair value marks, Q4 pretax income was $7.2M vs $2.4M prior-year quarter; full year pretax would be $21.5M in 2025 vs $6.4M in 2024 — significant improvement when stripping nonrecurring items.
Balance Sheet Strength and Liquidity
Cash and restricted cash increased to $172.2M from $137.4M. Shareholders' equity rose to an all-time high of $309.5M (a 6% increase) translating to ~ $13 book value per fully diluted share.
Funding and Capital Availability
Signed a $150M warehouse line with Capital One and secured a $900M prime forward flow commitment (credit union partnership up to $600M annually, $900M over 18 months), supporting 2026 growth plans.
Operating Efficiency Gains
Core operating expenses decreased: Q4 OpEx $43.4M vs $46.2M prior (6% decline); full-year core OpEx $177M down 2% from $180M. Core operating expense as a percent of managed portfolio fell to 4.8% from 5.6%.
Portfolio Growth and Origination Track Record
Portfolio AUM grew ~8.24% year-over-year (from $3.4B to $3.7B). Q4 originations $363M; full year purchases $1.638B, the company reported its third-best origination year in 35 years.
Analytics & Product Initiatives Driving Volume
Implemented Generation 9 AI/ML credit model in Q4 that increased approvals ~11%, kept cap capture flat, and is estimated to increase total fundings by ~8.4%.
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
CPSS Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Mar 10, 2026 | $7.72 | $7.56 | -2.07% |
Nov 10, 2025 | $8.67 | $7.95 | -8.30% |
Aug 18, 2025 | $8.34 | $8.44 | +1.20% |
May 19, 2025 | $8.76 | $8.79 | +0.34% |
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 May 13, 2026, TBA (Confirmed).
What is Consumer Portfolio Services (CPSS) earnings time?
Consumer Portfolio Services (CPSS) earnings time is at May 13, 2026, 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