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Consumer Portfolio Services (CPSS) investor relations material
Consumer Portfolio Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary11 Nov, 2025
Executive summary
Q3 2025 revenue was $108.4M, up 7.8% year-over-year, with net income at $4.9M, nearly flat compared to Q3 2024; nine-month net income was $14.3M, up slightly year-over-year.
Year-to-date performance is in line with expectations, with modest growth and a focus on improving portfolio quality by running off weaker vintages and growing stronger 2024/2025 vintages.
Managed portfolio reached $3.76B, with contract purchases totaling $1.28B for the nine months ended September 30, 2025.
Three securitizations totaling $1.28B were completed in the first nine months of 2025.
2025 is projected to be the second-best year in company history, despite challenging market conditions.
Financial highlights
Q3 2025 revenue was $108.4M, up 8% year-over-year; nine-month revenue was $325.1M, up 13%.
Q3 2025 net income was $4.9M, up 2% year-over-year; nine-month net income was $14.3M, up 1%.
Diluted EPS for Q3 2025 was $0.20, flat year-over-year; nine-month EPS was $0.59, up from $0.58.
Interest income for Q3 2025 was $107.2M, up from $93.2M in Q3 2024; nine-month interest income was $314.5M, up 18.3% year-over-year.
Receivables totaled $3.76B as of September 30, 2025, up from $3.33B a year earlier.
Outlook and guidance
Expect continued improvement as weaker vintages run off and stronger credit performance from recent originations.
Anticipate earnings boost from lower interest rates and improved cash position as securitization cash is released.
Management plans to match contract purchase rates to available capital and minimize operating costs as needed.
Liquidity management will focus on maintaining sufficient warehouse capacity and monitoring cash releases from securitizations.
2025 is set to be a strong year, with positive momentum into 2026 if macroeconomic conditions hold.
Q3 origination volume decline vs CEO comment
Why did net charge-offs increase significantly?
What caused the significant NIM decline in Q3?
How will growth be achieved with tight credit?
Expected financial impact of portfolio shift?
What is the securitization market outlook post-Tricolor?
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Next Consumer Portfolio Services earnings date
Q4 202525 Feb, 2026
Next Consumer Portfolio Services earnings date
Q4 202525 Feb, 2026
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Frequently asked questions
Consumer Portfolio Services Inc. is a specialty finance company focused on purchasing and servicing retail automobile contracts. The company works with car dealerships to provide financing options for customers with limited credit histories or past credit challenges. Consumer Portfolio Services serves the automotive finance market, enabling vehicle ownership for a broad range of consumers. The company is headquartered in Las Vegas, Nevada, and its shares are listed on the NASDAQ.
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