CPSS · Consumer Portfolio Services, Inc.
$9.51
-0.13 (-1.35%)
At close · Aug 14
Market Cap
$204.99M
Shares
21.55M
Consumer Portfolio Services, Inc. Earnings Call Transcripts
Every quarterly earnings call for Consumer Portfolio Services, Inc. (CPSS) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲31.7%
$90.31M
$25.41M
'22 Q3
22-11-10
▲19.7%
$83.02M
$14.13M
'22 Q4
23-03-15
▲11.7%
$83.10M
$13.82M
'23 Q1
23-04-27
▲3.5%
$84.86M
$13.95M
'23 Q2
23-08-03
▲2%
$92.08M
$10.38M
'23 Q3
23-11-13
▲10.8%
$91.98M
$7.19M
'23 Q4
24-03-18
▲10.4%
$91.74M
$4.59M
'24 Q1
24-05-13
▲13%
$95.88M
$4.67M
'24 Q2
24-07-31
▲9.2%
$100.58M
$4.80M
'24 Q3
24-11-01
▲14.5%
$105.30M
$5.14M
'24 Q4
25-02-26
▲16.5%
$106.87M
$4.69M
'25 Q1
25-05-13
▲14.5%
$109.76M
$4.80M
'25 Q2
25-08-11
▲7.8%
$108.42M
$4.85M
'25 Q3
25-11-10
▲3.9%
$109.41M
$4.98M
'25 Q4
26-03-11
▲5.1%
$112.33M
$5.54M
'26 Q1
26-05-06
LATEST
▲10.6%
$121.39M
$6.23M
'26 Q2
26-08-05
Earnings call
FY26 · Q2
2026-08-05
Consumer Portfolio Services, Inc. Q2 FY2026 Earnings Call
Confident tone
Originations growth
Credit quality and underwriting
Recoveries
Revenue
$121.39M
▲ 10.6% YoY Diluted EPS
$0.27
▲ 35% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-05-06
Consumer Portfolio Services, Inc. Q1 FY2026 Earnings Call
Confident tone
Loan Originations Growth
Dealer Network Expansion
Credit Quality and Performance
Revenue
$112.33M
▲ 5.1% YoY Diluted EPS
$0.24
▲ 26.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-03-11
Consumer Portfolio Services, Inc. Q4 FY2025 Earnings Call
Confident tone
Portfolio growth and originations
Credit performance and delinquency
Recoveries
Revenue
$109.41M*
▲ 3.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-11-10
Consumer Portfolio Services, Inc. Q3 FY2025 Earnings Call
Positive tone
Vintage credit performance
Origination and portfolio growth
Macroeconomic and unemployment risk
Revenue
$108.42M
▲ 7.8% YoY Diluted EPS
$0.20
▲ 0% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-08-11
Consumer Portfolio Services, Inc. Q2 FY2025 Earnings Call
Confident tone
Interest rate outlook
Macroeconomic environment and risks
Operating expense efficiency
Revenue
$109.76M
▲ 14.5% YoY Diluted EPS
$0.20
▲ 5.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-05-13
Consumer Portfolio Services, Inc. Q1 FY2025 Earnings Call
Confident tone
Dealer and partner relationships
AI voice agent and servicing technology
Macroeconomic and tariff uncertainty
Revenue
$106.87M
▲ 16.5% YoY Diluted EPS
$0.19
▲ 0% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-02-26
Consumer Portfolio Services, Inc. Q4 FY2024 Earnings Call
Confident tone
Originations Growth
Credit Performance Improvement
Revenue and Portfolio Expansion
Revenue
$105.30M*
▲ 14.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-11-01
Consumer Portfolio Services, Inc. Q3 FY2024 Earnings Call
Confident tone
Origination and portfolio growth
Credit quality and vintage runoff
Industry and competitive positioning
Revenue
$100.58M
▲ 9.2% YoY Diluted EPS
$0.20
▼ 51.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-31
Consumer Portfolio Services, Inc. Q2 FY2024 Earnings Call
Positive tone
Dealer and Sales Force Expansion
Loan Originations and Growth
Net Income and Earnings Decline
Revenue
$95.88M
▲ 13% YoY Diluted EPS
$0.19
▼ 65.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-05-13
Consumer Portfolio Services, Inc. Q1 FY2024 Earnings Call
Confident tone
Portfolio Size and Balance Sheet
Originations Growth
Legacy / 2022 Vintage Performance
Revenue
$91.74M
▲ 10.4% YoY Diluted EPS
$0.19
▼ 64.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-03-18
Consumer Portfolio Services, Inc. Q4 FY2023 Earnings Call
Positive tone
Industry outperformance / competitive positioning
2022 vintage credit performance
Charge-offs and recoveries
Revenue
$91.98M*
▲ 10.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-11-13
Consumer Portfolio Services, Inc. Q3 FY2023 Earnings Call
Revenue
$92.08M
▲ 2% YoY Diluted EPS
$0.41
▼ 56.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-08-03
Consumer Portfolio Services, Inc. Q2 FY2023 Earnings Call
Revenue
$84.86M
▲ 3.5% YoY Diluted EPS
$0.55
▼ 39.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-27
Consumer Portfolio Services, Inc. Q1 FY2023 Earnings Call
Revenue
$83.10M
▲ 11.7% YoY Diluted EPS
$0.54
▼ 28% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-03-15
Consumer Portfolio Services, Inc. Q4 FY2022 Earnings Call
Revenue
$83.02M*
▲ 19.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-11-10
Consumer Portfolio Services, Inc. Q3 FY2022 Earnings Call
Revenue
$90.31M
▲ 31.7% YoY Diluted EPS
$0.95
▲ 82.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-26
Consumer Portfolio Services, Inc. Q2 FY2022 Earnings Call
Revenue
$82.02M
▲ 22.8% YoY Diluted EPS
$0.91
▲ 133.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-19
Consumer Portfolio Services, Inc. Q1 FY2022 Earnings Call
Revenue
$74.37M
▲ 17.8% YoY Diluted EPS
$0.75
▲ 257.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-15
Consumer Portfolio Services, Inc. Q4 FY2021 Earnings Call
Revenue
$69.36M*
▲ 11.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-27
Consumer Portfolio Services, Inc. Q3 FY2021 Earnings Call
Revenue
$68.56M
▼ 3% YoY Diluted EPS
$0.52
▲ 225% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-08-12
Consumer Portfolio Services, Inc. Q2 FY2021 Earnings Call
Revenue
$66.77M
▼ 0.8% YoY Diluted EPS
$0.39
▲ 200% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-05-11
Consumer Portfolio Services, Inc. Q1 FY2021 Earnings Call
Revenue
$63.11M
▼ 10.8% YoY Diluted EPS
$0.21
▼ 53.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-23
Consumer Portfolio Services, Inc. Q4 FY2020 Earnings Call
Revenue
$62.43M*
▼ 27.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-19
Consumer Portfolio Services, Inc. Q3 FY2020 Earnings Call
Revenue
$70.67M
▼ 17.4% YoY Diluted EPS
$0.16
▲ 100% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-22
Consumer Portfolio Services, Inc. Q2 FY2020 Earnings Call
Revenue
$67.29M
▼ 22% YoY Diluted EPS
$0.13
▲ 62.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-16
Consumer Portfolio Services, Inc. Q1 FY2020 Earnings Call
Revenue
$70.77M
▼ 19.8% YoY Diluted EPS
$0.45
▲ 542.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Showing 1–26 of 26 earnings calls
Key facts
CIK
889609
CUSIP
210502100
13F (30d)
59 filings
59 filers
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