CPSS CONSUMER PORTFOLIO SERVICES, INC.
FY2025 10-K
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) filed its fiscal year 2025 10-K annual report with the SEC on Mar 16, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business: Purchases and services sub-prime retail automobile contracts from franchised and independent dealers in the U.S.
- • New offering: Began direct-to-consumer auto loan refinancing platform in Dec 2025, with 0.9% of portfolio under this segment by year-end
Management Discussion & Analysis
- • Revenue $434.5M, up 10.4% YoY from $393.5M in 2024, driven by $58.7M (16.1%) increase in interest income to $422.7M
- • Operating expenses $406.5M, up 11.0% YoY from $366.1M; interest expense rose 21.3% to $232.0M (57.1% of expenses); net interest margin 5.2% vs 5.4%
Risk Factors
- • Cybersecurity risk managed by Senior VP Systems and VP IT with 15-20 years experience, board receives annual security status reports
- • Information security policies aim to prevent, detect, and remediate cybersecurity incidents critical to operations
Financial SummaryXBRL
Revenue
$434M
Net Income
$19M
Net Margin
4.4%
ROE
6.2%
Total Assets
$3.9B
EPS (Diluted)
$0.80
Operating Cash Flow
$289M
Source: XBRL data from CONSUMER PORTFOLIO SERVICES, INC. FY2025 10-K filing on SEC EDGAR. All figures in USD.
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