Short answer
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) filed its Q3 2025 10-Q quarterly report on Nov 10, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $108M (up 7.8% year over year) with net income of $5M.
Q3 2025 key financials · XBRL
- Revenue
- $108M
- +7.8% YoY · −1.2% QoQ
- Net income
- $5M
- +1.2% YoY · +1.2% QoQ
- EPS (diluted)
- $0.20
- +0.0% YoY · +0.0% QoQ
Source: XBRL data from the CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Q3 2025 10-Q on SEC EDGAR. USD.
CONSUMER PORTFOLIO SERVICES, INC. Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- Increased securitization trust debt by $322.1M to $2,916.4M as of Sept 30, 2025, impacting financial leverage since Dec 31, 2024
- Substantial indebtedness $3,435.2M total limits cash flow for working capital and capital expenditures, affecting operational flexibility
- Residual interest debt from securitizations rose to $149.5M after $65M issuance on Mar 20, 2025, increasing debt complexity and repayment risk
- High debt burden could impair competitive position versus peers with lower leverage, limiting strategic responses to market changes
- Debt servicing risk heightened if operating profits decline, potential material adverse effect on financial condition and liquidity
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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