Consumer Portfolio Services (CPSS) investor relations material

Executive summary

• Revenue for Q2 2026 rose 10.6% year-over-year to $121.4 million, driven by higher interest income from a larger loan portfolio and expanded sales force and dealer base.

• Net income for Q2 2026 was $6.2 million, up 30% from $4.8 million in Q2 2025, with EPS increasing to $0.29 from $0.22.

• Managed/total portfolio balance reached $4.31 billion, up 16% year-over-year, surpassing $4 billion for the first time.

• New contract purchases/originations hit $758 million in Q2 2026, a 75% increase over the prior year.

• Maintained strong credit quality despite rapid growth, with no credit concessions and stable underwriting standards.

Financial highlights

• Six-month revenues rose 8% to $233.7 million, with net income up 24% to $11.8 million.

• Interest income for Q2 2026 was $118.1 million, up 12.1% year-over-year; average loan portfolio balance increased 13.7%.

• Operating expenses for Q2 2026 were $112.4 million, up from $102.8 million year-over-year.

• Diluted EPS: $0.27 for the quarter, $0.50 for six months, both up year-over-year.

• Pretax income for Q2 2026 was $9.0 million, up 30% from Q2 2025.

Outlook and guidance

• Management expects continued growth in originations and dealer base, with positive trends in credit quality and recoveries.

• Focus on managing liquidity and capital to match contract purchase rates with available funding.

• Plans to maintain compliance with financial covenants and manage operating costs as needed.

• Industry conditions and macroeconomic factors, such as stable unemployment and limited new competition, support a favorable outlook for the remainder of 2026.