CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Form 8-K — Oct 23, 2026
Consumer Portfolio Services (CPSS) reported Q3 2026 diluted EPS of $0.30, up 50% year-over-year, with net income of $7.0 million, up 43%. Total revenue rose 21.7% to $131.9 million. Originations surged 108.5% to $815.3 million in contract purchases, and the total loan portfolio hit a record $4.711 billion, up 25.3% — the company's 21st consecutive quarter of portfolio growth. Management cited operating leverage, with net income growing faster than revenue.
Key figures
- Eps
- 0.3
- Revenue
- 131900000
- Net Income
- 7000000
- Total Debt
- 4507483000
- Revenue Yoy
- 21.7%
- Total Assets
- 4831971000
- Cash Position
- 5147000
- Shares Outstanding
- 21,846 thousand basic / 23,320 thousand diluted
- Recovery rate
- 32.0% vs 28.7% prior year
- Total portfolio
- $4.711 billion, up 25.3% YoY
- Net income growth
- 43.3%
- Diluted eps growth
- 50%
- Nine month revenue
- $365.6 million
- Total delinquencies
- 12.29% vs 13.96% prior year
- Nine month net income
- $18.7 million
- Q3 contract purchases
- $815.3 million
- Nine month diluted eps
- $0.80
- Origination growth yoy
- 108.5%
- Warehouse line capacity
- $508 million (renewed, up from $335 million)
- Annualized net charge offs
- 7.26% vs 8.01% prior year
- Consecutive growth quarters
- 21
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