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CPSS Announces Q2 2025 Earnings: Record-Shattering Revenue Growth and Equity Milestone
ByAinvest
Tuesday, Aug 12, 2025 6:36 am ET1min read
Consumer Portfolio Services (CPSS) reported a 14.5% revenue growth to $109.8 million in Q2 2025, with net income increasing to $4.8 million, or $0.20 per diluted share. The company achieved a record-high shareholder's equity exceeding $300 million for the first time and purchased $433.0 million in new contracts, contributing to total receivables rising to $3.708 billion. However, interest expenses elevated significantly to $58.7 million due to higher interest rates on securitization debt and warehouse facilities.
Consumer Portfolio Services (CPSS) has reported a significant financial performance in the second quarter of 2025. The company's revenues increased by 14.5% to $109.8 million, a substantial rise from the $95.9 million reported in the same period last year. Net income also saw an improvement, rising to $4.8 million, or $0.20 per diluted share, compared to $4.7 million in the second quarter of 2024.One of the standout achievements for CPSS in Q2 2025 was the record high shareholder equity, which exceeded $300 million for the first time. This marks a significant milestone for the company and underscores its financial strength and stability. Additionally, the company reported new contract purchases totaling $433.0 million, contributing to the total receivables rising to $3.708 billion.
However, the report also highlighted increased interest expenses, which rose to $58.7 million due to higher interest rates on securitization debt and warehouse facilities. This increase in interest expenses may impact future profitability and should be closely monitored by investors.
The company's CEO, Charles E. Bradley, commented on the positive trends, emphasizing improvements in earnings and operational efficiencies. He noted that as the company's portfolio grows, it remains focused on the quality of credit it originates and the performance of existing loans.
CPSS will hold a conference call on August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results. Interested parties can pre-register for the call at [link to pre-register].
References:
[1] https://www.quiverquant.com/news/Consumer+Portfolio+Services+Reports+Q2+2025+Revenue+Growth+to+%24109.8+Million+and+Record+Shareholder+Equity+Exceeding+%24300+Million
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