Consumer Portfolio Services Inc
consumerportfolio.comWhat Do They Do?
Buys and services car-loan contracts from auto dealers, financing vehicle purchases for buyers with limited credit histories or past credit problems.
10-K for FY2025, filed Mar 16, 2026
How Do They Make Money?
Borrowers pay over time under automobile contracts, and CPS earns interest and fee income on those receivables.
10-K for FY2025, filed Mar 16, 2026
$434.5M
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10-K for FY2025, filed Mar 16, 2026
$434.5M ↗
Who Are Their Customers?
Dealers submit applications through CPS's website or application aggregators; CPS buys approved contracts mainly from franchised dealers, with some from independent dealers.
10-K for FY2025, filed Mar 16, 2026
Do Revenues Turn Into Profits?
Yes. It kept 4 cents of every revenue dollar as net income in FY2025 and turned 66 cents into free cash flow.
How Are They Changing?
Growing. Revenue grew 62% in 4 years, from $267.8M in FY2021 to $434.5M in FY2025, about 13% a year.
Direct lending changes
The earlier report describes direct vehicle-purchase loans to consumers; the latest says the prior platform ended and CPS began making direct loans to refinance existing auto loans.
10-K for FY2022, filed Mar 15, 2023 10-K for FY2025, filed Mar 16, 2026We are a specialty finance company. Our business is to purchase and service retail automobile contracts originated primarily by franchised…View ↗
We have in the past solicited credit applications directly from prospective automobile consumers through the internet under a program we…View ↗
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