The earnings call highlighted strong revenue and portfolio growth, record shareholders' equity, and improved credit performance. However, challenges such as flat earnings per share, increased interest expenses, and a lower fair value markup were noted. The company's strategic growth and AI integration in operations show positive momentum.

Company Guidance

During the Consumer Portfolio Services' 2025 first quarter conference call, several key financial metrics were highlighted, indicating a strong start to the fiscal year. Revenues increased by 17% year-over-year, reaching $106.9 million, driven by a fair value portfolio yielding 11.4%. The company's expenses also rose by 17%, primarily due to an increase in interest expenses to $55 million. Despite these higher expenses, 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 managed portfolio saw significant growth, with assets under management increasing by 24% to $3.45 billion. The company also noted improvements in credit performance, with total delinquencies and charge-offs slightly decreasing. The originations for the quarter totaled $451 million, marking a 31.5% increase from the previous year. Additionally, the company maintained a strong average APR of 20.32% while achieving operational efficiencies, such as reducing operating expenses as a percentage of the managed portfolio from 6% to 5.2%. Looking forward, the company aims to continue its growth trajectory while maintaining strict credit standards amidst economic uncertainties.

Strong Revenue Growth

Revenues for the first quarter were $106.9 million, a 17% increase over the $91.7 million in the first quarter of 2024.

Record Shareholders' Equity

Shareholders' equity reached a record high of $298.4 million, 7% higher than the $279.1 million last year.

Significant Portfolio Growth

The portfolio of assets under management increased to $3.45 billion, up 24% from $2.79 billion as of March 31, 2024.

Successful Securitization

Completed the second quarter securitization despite market uncertainty, indicating strong operational execution.

Improved Credit Performance

Delinquencies and charge-offs showed a nominal decrease, indicating improved credit performance.

AI Integration in Operations

Launched AI voice agents for collections, improving operational efficiency by reallocating human resources.

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)	0.31 / -	0.2	―	―	―
Aug 18, 2025	2025 (Q2)	0.26 / 0.20	0.19	5.26% (+0.01)	―
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
Aug 18, 2025	$8.34	$8.44	+1.20%
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?

CPSS EPS forecast for the fiscal quarter 2025 (Q3) is 0.31.

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