CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Q3 2025 10-Q Quarterly Report
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Nov 10, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
CONSUMER PORTFOLIO SERVICES, INC. Q3 2025 10-Q Analysis
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
CONSUMER PORTFOLIO SERVICES, INC. Q3 2025 Quarterly FinancialsXBRL
Revenue
$108M
▲ +7.8% YoY▼ -1.2% QoQ
Net Income
$5M
▲ +1.2% YoY▲ +1.2% QoQ
Net Margin
4.5%
▼ -29bp YoY▲ +11bp QoQ
ROE
1.6%
Total Assets
$3.8B
EPS (Diluted)
$0.20
▼ 0.0% YoY▼ 0.0% QoQ
Operating Cash Flow
$85M
▲ +21.7% YoY▲ +55.9% QoQ
Source: XBRL data from CONSUMER PORTFOLIO SERVICES, INC. Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
Get deeper insights on CONSUMER PORTFOLIO SERVICES, INC.
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.