Consumer Portfolio Services Announces Third Quarter 2026 Results
Consumer Portfolio Services reported Q3 2026 diluted EPS of $0.30, up 50% from $0.20 a year ago, with net income of $7.0 million, up 43%. Total revenue rose 21.7% to $131.9 million while loan origination volume more than doubled, up 108.5% to $815.3 million in contract purchases, lifting the owned portfolio to a record $4.71 billion. Credit quality improved across the board: total delinquencies fell to 12.29% from 13.96%, net charge-offs declined to 7.26% from 8.01%, and auction recovery rates rose to 32.0% from 28.7%.
Key figures
- Eps
- 0.3
- Revenue
- 131910000
- Revenue Yoy
- 21.7%
- Net income
- 6953000
- Portfolio yoy
- 25.3%
- Pretax income
- 10078000
- Net income yoy
- 43.3%
- Net recovery rate
- 32.0%
- Pretax income yoy
- 44.3%
- Revenue nine months
- 365633000
- Total delinquencies
- 12.29%
- Contract purchases q3
- 815300000
- Contract purchases yoy
- 108.5%
- Diluted eps nine months
- 0.8
- Total portfolio balance
- 4711000000
- Warehouse line capacity
- $508 million (up from $335 million)
- Prior year delinquencies
- 13.96%
- Annualized net charge offs
- 7.26%
AI analysis
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