CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Form 8-K — Aug 4, 2026
Consumer Portfolio Services reported second quarter 2026 net income of $6.2 million, or $0.27 per diluted share, up 30% from $4.8 million a year earlier, while diluted EPS rose 35% from $0.20. Revenue grew 10.6% to $121.4 million from $109.8 million. The quarter set a company record for originations, with new contract purchases of $757.7 million, a 75% increase from $433.0 million in the prior-year period. That pushed the total portfolio balance above $4 billion, finishing at $4.31 billion as of June 30, 2026.
Key figures
- Eps
- 0.27
- Revenue
- $121.4 million
- Net Income
- $6.2 million
- Total Debt
- $4.10 billion total liabilities (including $3.131 billion securitization trust debt and $679.9 million warehouse lines of credit)
- Revenue Yoy
- +10.6%
- Total Assets
- $4.42 billion
- Cash Position
- $7.5 million (plus $172.7 million restricted cash and equivalents)
- Conference Call
- August 5, 2026, 1:00 p.m. ET
- Pretax Income Q2
- $9.0 million (+30% YoY)
- Recovery Rate Q2
- 33.3% vs 30.4% prior year
- Six Month Revenue
- $233.7 million (+8% YoY)
- Six Month Net Income
- $11.8 million, $0.50 diluted EPS (+24% and +28% YoY)
- Shareholders Equity
- $319.2 million
- Contracts Purchased Q2
- $757.7 million (+75% vs $433.0 million prior year)
- Total Portfolio Balance
- $4.31 billion (vs $3.71 billion prior year)
- Annualized Net Charge Offs
- 7.28% vs 7.45% prior year
- Contracts Purchased Six Months
- $1,290.9 million (vs $884.2 million prior year)
- Delinquencies30 Plus Incl Repo
- 12.16% vs 13.14% prior year
Price after filing
Close on the filing date to close N calendar days later (from $9.60). Historical, not a forecast.
AI analysis
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