CPSS
Consumer Portfolio·NASDAQ
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CPSS fundamentals
Consumer Portfolio (CPSS) released its earnings on Nov 10, 2025: revenue was 108.40M (YoY +7.77%), missed estimates; EPS was 0.2 (YoY 0.00%), missed estimates.
Revenue / YoY
108.40M
+7.77%
EPS / YoY
0.2
0.00%
Report date
Nov 10, 2025
CPSS Earnings Call Summary for Q3,2025
- Revenue Growth: Q3 2025 revenue up 8% YoY to $108.4M, driven by fair value portfolio expansion.
- Credit Improvement: 2024-2025 vintages showing better performance, DQ rate 13.96%, recoveries improving.
- Cost Efficiency: Core expenses reduced to 4.5% of portfolio, headcount cut by 3%.
- Liquidity Strength: $151.9M cash, total debt up 11% to $3.4B, equity up 8%.
- Future Outlook: Positive with lower rates, returning securitization cash, and stable unemployment.
EPS
Revenue
Revenue & Expenses
CPSS has released its 2025 Q3 earnings report, with revenue of 108.42M, reflecting a YoY change of 7.80%, and net profit of 4.85M, showing a YoY change of 1.19%. The Sankey diagram below clearly presents CPSS's revenue sources and cost distribution.
Key Indicators
Consumer Portfolio (CPSS) key financial stats and ratios, covering profitability, financial health, and leverage.
Consumer Portfolio (CPSS)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Breakdown
Consumer Portfolio (CPSS)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Breakdown
Consumer Portfolio (CPSS)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Breakdown
Where does Consumer Portfolio (CPSS) generate its revenue? Explore its key revenue streams and top earning regions.
By Business
Data source:
By Region
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Track Consumer Portfolio (CPSS) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
Payout Ratio
Dividend Yield
You can ask Aime
What were the key takeaways from Consumer Portfolio's earnings call?What is Consumer Portfolio's gross profit margin?What factors drove the changes in Consumer Portfolio's revenue and profit?Did Consumer Portfolio beat or miss consensus estimates last quarter?What is the market's earnings forecast for Consumer Portfolio next quarter?What does Consumer Portfolio do and what are its main business segments?What guidance did Consumer Portfolio's management provide for the next earnings period?What were the key takeaways from Consumer Portfolio’s earnings call?
