$CPSS
CONSUMER PORTFOLIO SERVICES, INC.

2022 Q4 Form 10-Q Financial Statement

#000168316822007602 Filed on November 14, 2022

View on sec.gov

Income Statement

Concept 2022 Q4 2022 Q3 2021 Q3
Revenue $83.02M $90.31M $68.57M
YoY Change 19.69% 31.71% -7.09%
Cost Of Revenue $28.87M $23.48M $18.33M
YoY Change 70.03% 28.08% -26.37%
Gross Profit $54.15M $58.64M $50.23M
YoY Change 3.37% 16.74% 2.72%
Gross Profit Margin 65.23% 64.93% 73.26%
Selling, General & Admin $32.57M $15.37M $31.87M
YoY Change -19.76% -51.77% -0.42%
% of Gross Profit 60.14% 26.21% 63.44%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $411.0K $406.0K $409.0K
YoY Change -2.38% -0.73% 2.25%
% of Gross Profit 0.76% 0.69% 0.81%
Operating Expenses $35.85M $55.96M $30.68M
YoY Change 27.99% 82.38% -5.59%
Operating Profit $18.31M $2.678M $19.55M
YoY Change -24.92% -86.3% 19.19%
Interest Expense $0.00 $23.48M $0.00
YoY Change -100.0%
% of Operating Profit 0.0% 876.89% 0.0%
Other Income/Expense, Net
YoY Change
Pretax Income $18.31M $34.34M $19.55M
YoY Change -24.92% 75.7% 231.31%
Income Tax $4.170M $8.931M $5.864M
% Of Pretax Income 22.78% 26.0% 30.0%
Net Earnings $14.14M $25.41M $13.68M
YoY Change -25.47% 85.73% 260.08%
Net Earnings / Revenue 17.03% 28.14% 19.96%
Basic Earnings Per Share $1.22 $0.59
Diluted Earnings Per Share $0.59 $0.95 $521.9K
COMMON SHARES
Basic Shares Outstanding 20.44M shares 20.86M shares 23.01K shares
Diluted Shares Outstanding 26.65K shares 26.22K shares

Balance Sheet

Concept 2022 Q4 2022 Q3 2021 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments $13.49M $12.94M $28.80M
YoY Change -54.93% -55.05% 154.86%
Cash & Equivalents $13.49M $12.94M $28.80M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables $70.55M $89.69M $213.9M
Other Receivables $0.00 $776.0K $2.930M
Total Short-Term Assets $84.04M $103.4M $245.6M
YoY Change -59.67% -57.9% -50.94%
LONG-TERM ASSETS
Property, Plant & Equipment $1.660M $1.700M $12.04M
YoY Change 47.03% -85.88% -24.27%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $30.33M $27.83M $170.3M
YoY Change -12.8% -83.66% -26.55%
Total Long-Term Assets $2.669B $2.547B $1.861B
YoY Change 36.77% 36.87% 2.9%
TOTAL ASSETS
Total Short-Term Assets $84.04M $103.4M $245.6M
Total Long-Term Assets $2.669B $2.547B $1.861B
Total Assets $2.753B $2.651B $2.107B
YoY Change 27.47% 25.82% -8.77%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $55.42M $50.89M $40.04M
YoY Change 65.6% 27.08% 21.71%
Accrued Expenses $6.234M $4.749M $10.47M
YoY Change -31.18% -54.65% -23.57%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $55.42M $55.63M $50.51M
YoY Change 30.33% 10.14% 8.4%
LONG-TERM LIABILITIES
Long-Term Debt $2.469B $2.377B $1.895B
YoY Change 26.82% 25.44% -11.21%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $2.469B $2.377B $1.895B
YoY Change 26.82% 25.44% -11.21%
TOTAL LIABILITIES
Total Short-Term Liabilities $55.42M $55.63M $50.51M
Total Long-Term Liabilities $2.469B $2.377B $1.895B
Total Liabilities $2.524B $2.432B $1.945B
YoY Change 26.89% 25.04% -10.79%
SHAREHOLDERS EQUITY
Retained Earnings $202.5M $188.4M
YoY Change 73.79%
Common Stock $28.91M $31.43M
YoY Change -47.73%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $228.4M $218.2M $161.4M
YoY Change
Total Liabilities & Shareholders Equity $2.753B $2.651B $2.107B
YoY Change 27.47% 25.82% -8.77%

Cashflow Statement

Concept 2022 Q4 2022 Q3 2021 Q3
OPERATING ACTIVITIES
Net Income $14.14M $25.41M $13.68M
YoY Change -25.47% 85.73% 260.08%
Depreciation, Depletion And Amortization $411.0K $406.0K $409.0K
YoY Change -2.38% -0.73% 2.25%
Cash From Operating Activities $51.19M $45.07M $50.67M
YoY Change 45.76% -11.04% -17.21%
INVESTING ACTIVITIES
Capital Expenditures $371.0K -$750.0K -$523.0K
YoY Change -186.48% 43.4% 423.0%
Acquisitions
YoY Change
Other Investing Activities -$147.0M -$167.4M -$62.40M
YoY Change 127.02% 168.26% -253.68%
Cash From Investing Activities -$147.4M -$168.1M -$62.92M
YoY Change 126.09% 167.22% -255.35%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net -$1.335M
YoY Change 90.71%
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 86.27M 127.4M -12.89M
YoY Change 162.63% -1087.99% -64.38%
NET CHANGE
Cash From Operating Activities 51.19M 45.07M 50.67M
Cash From Investing Activities -147.4M -168.1M -62.92M
Cash From Financing Activities 86.27M 127.4M -12.89M
Net Change In Cash -9.917M 4.337M -25.14M
YoY Change -456.34% -117.25% -138.38%
FREE CASH FLOW
Cash From Operating Activities $51.19M $45.07M $50.67M
Capital Expenditures $371.0K -$750.0K -$523.0K
Free Cash Flow $50.82M $45.82M $51.19M
YoY Change 42.96% -10.49% -16.49%

Facts In Submission

Frame Concept Type Concept / XBRL Key Value Unit
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dei Entity File Number
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dei Entity Registrant Name
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CONSUMER PORTFOLIO SERVICES, INC.
dei Entity Incorporation State Country Code
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CA
dei Entity Tax Identification Number
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dei Security12b Title
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dei Trading Symbol
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CPSS
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us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-1590000 usd
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
2966000 usd
us-gaap Allocated Share Based Compensation Expense
AllocatedShareBasedCompensationExpense
1265000 usd
cpss Purchases Of Finance Receivables Heldforsale
PurchasesOfFinanceReceivablesHeldforsale
-0 usd
cpss Purchases Of Finance Receivables Heldforsale
PurchasesOfFinanceReceivablesHeldforsale
23700000 usd
cpss Sale Of Finance Receivables Heldforsale
SaleOfFinanceReceivablesHeldforsale
0 usd
cpss Sale Of Finance Receivables Heldforsale
SaleOfFinanceReceivablesHeldforsale
23513000 usd
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-1493000 usd
us-gaap Increase Decrease In Accrued Interest Receivable Net
IncreaseDecreaseInAccruedInterestReceivableNet
-2087000 usd
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
-5005000 usd
us-gaap Increase Decrease In Prepaid Deferred Expense And Other Assets
IncreaseDecreaseInPrepaidDeferredExpenseAndOtherAssets
-3146000 usd
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-5252000 usd
us-gaap Increase Decrease In Other Operating Assets
IncreaseDecreaseInOtherOperatingAssets
-8629000 usd
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
12334000 usd
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
8809000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
164744000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
163076000 usd
us-gaap Payments For Proceeds From Loans Receivable
PaymentsForProceedsFromLoansReceivable
-109894000 usd
us-gaap Payments For Proceeds From Loans Receivable
PaymentsForProceedsFromLoansReceivable
-198366000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
1311735000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
795457000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
397938000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
-83289000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-3842000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
29613000 usd
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
176548000 usd
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
41535000 usd
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
3959000 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
14698000 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
2167000 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
635401000 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
546897000 usd
cpss Change In Repossessions In Inventory
ChangeInRepossessionsInInventory
-1694000 usd
cpss Change In Repossessions In Inventory
ChangeInRepossessionsInInventory
-1567000 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1778000 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1547000 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-566524000 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-50174000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
1104000000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
761545000 usd
us-gaap Proceeds From Issuance Of Other Long Term Debt
ProceedsFromIssuanceOfOtherLongTermDebt
4004000 usd
us-gaap Proceeds From Issuance Of Other Long Term Debt
ProceedsFromIssuanceOfOtherLongTermDebt
7416000 usd
us-gaap Repayments Of Medium Term Notes
RepaymentsOfMediumTermNotes
3214000 usd
us-gaap Repayments Of Medium Term Notes
RepaymentsOfMediumTermNotes
1277000 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
139477000 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
-22089000 usd
cpss Net Proceeds From Repayment Of Residual Interest Financing Debt
NetProceedsFromRepaymentOfResidualInterestFinancingDebt
4311000 usd
cpss Net Proceeds From Repayment Of Residual Interest Financing Debt
NetProceedsFromRepaymentOfResidualInterestFinancingDebt
-39705000 usd
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
804774000 usd
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
861045000 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
10407000 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
5752000 usd
CY2020Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
144152000 usd
CY2022Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
172706000 usd
CY2021Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
173765000 usd
us-gaap Interest Paid Net
InterestPaidNet
51300000 usd
us-gaap Interest Paid Net
InterestPaidNet
53931000 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
13977000 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
8997000 usd
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
170207000 usd
CY2021Q2 us-gaap Stockholders Equity
StockholdersEquity
0 usd
CY2021Q4 us-gaap Stockholders Equity
StockholdersEquity
170207000 usd
CY2020Q4 us-gaap Stockholders Equity
StockholdersEquity
0 usd
CY2021Q3 cpss Pension Benefit Obligation
PensionBenefitObligation
0 usd
cpss Pension Benefit Obligation
PensionBenefitObligation
0 usd
cpss Pension Benefit Obligation
PensionBenefitObligation
0 usd
CY2021Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
232390000 usd
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
218184000 usd
CY2021Q3 us-gaap Stockholders Equity
StockholdersEquity
161394000 usd
CY2022Q3 us-gaap Stockholders Equity
StockholdersEquity
218184000 usd
CY2021Q3 us-gaap Stockholders Equity
StockholdersEquity
161394000 usd
us-gaap Use Of Estimates
UseOfEstimates
<p id="xdx_84C_eus-gaap--UseOfEstimates_zaGT6AyrUYA8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86C_zzbADLnX3qK1">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires us to make estimates and assumptions that affect the reported amounts of assets and liabilities as of the date of the financial statements, as well as the reported amounts of income and expenses during the reported periods.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify; text-indent: 0in"> </p>
CY2022Q3 cpss Mark To Finance Receivable Measured At Fair Value
MarkToFinanceReceivableMeasuredAtFairValue
8200000 usd
cpss Mark To Finance Receivable Measured At Fair Value
MarkToFinanceReceivableMeasuredAtFairValue
15300000 usd
cpss Mark To Finance Receivable Measured At Fair Value
MarkToFinanceReceivableMeasuredAtFairValue
4400000 usd
CY2022Q3 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2500000 usd
CY2021Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2700000 usd
CY2022Q3 us-gaap Other Operating Income
OtherOperatingIncome
2305000 usd
CY2021Q3 us-gaap Other Operating Income
OtherOperatingIncome
1547000 usd
us-gaap Other Operating Income
OtherOperatingIncome
5859000 usd
us-gaap Other Operating Income
OtherOperatingIncome
4312000 usd
CY2022Q3 cpss Operating Lease Right Of Use Asset Gross
OperatingLeaseRightOfUseAssetGross
25819000 usd
CY2021Q4 cpss Operating Lease Right Of Use Asset Gross
OperatingLeaseRightOfUseAssetGross
25819000 usd
CY2022Q3 cpss Accumulated Amortization Rightofuse Assets
AccumulatedAmortizationRightofuseAssets
21599000 usd
CY2021Q4 cpss Accumulated Amortization Rightofuse Assets
AccumulatedAmortizationRightofuseAssets
17624000 usd
CY2022Q3 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
4220000 usd
CY2021Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
8195000 usd
CY2022Q3 us-gaap Operating Lease Liability
OperatingLeaseLiability
4749000 usd
CY2021Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
9058000 usd
CY2022Q3 cpss Finance Lease Right Of Use Asset At Cost
FinanceLeaseRightOfUseAssetAtCost
3407000 usd
CY2021Q4 cpss Finance Lease Right Of Use Asset At Cost
FinanceLeaseRightOfUseAssetAtCost
3407000 usd
CY2022Q3 cpss Finance Lease Right Of Use Asset Accumulated Depreciation
FinanceLeaseRightOfUseAssetAccumulatedDepreciation
3086000 usd
CY2021Q4 cpss Finance Lease Right Of Use Asset Accumulated Depreciation
FinanceLeaseRightOfUseAssetAccumulatedDepreciation
2348000 usd
CY2022Q3 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
321000 usd
CY2021Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
1059000 usd
CY2022Q3 us-gaap Finance Lease Liability
FinanceLeaseLiability
348000 usd
CY2021Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
1124000 usd
CY2022Q3 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.050 pure
CY2021Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.050 pure
CY2022Q3 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.065 pure
CY2021Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.065 pure
CY2022Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
1767000 usd
CY2021Q3 us-gaap Operating Lease Cost
OperatingLeaseCost
1768000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
5288000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
5398000 usd
CY2022Q3 cpss Finance Lease Cost
FinanceLeaseCost
257000 usd
CY2021Q3 cpss Finance Lease Cost
FinanceLeaseCost
308000 usd
cpss Finance Lease Cost
FinanceLeaseCost
813000 usd
cpss Finance Lease Cost
FinanceLeaseCost
924000 usd
CY2022Q3 us-gaap Lease Cost
LeaseCost
2024000 usd
CY2021Q3 us-gaap Lease Cost
LeaseCost
2076000 usd
us-gaap Lease Cost
LeaseCost
6101000 usd
us-gaap Lease Cost
LeaseCost
6322000 usd
CY2022Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
1921000 usd
CY2021Q3 us-gaap Operating Lease Payments
OperatingLeasePayments
1840000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
5616000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
5662000 usd
CY2022Q3 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
249000 usd
CY2021Q3 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
283000 usd
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
776000 usd
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
834000 usd
CY2022Q3 cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
8000 usd
CY2021Q3 cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
25000 usd
cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
36000 usd
cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
90000 usd
CY2022Q3 us-gaap Share Based Compensation
ShareBasedCompensation
1400000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
3000000.0 usd
CY2021Q3 us-gaap Share Based Compensation
ShareBasedCompensation
530000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
1300000 usd
CY2022Q3 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
10900000 usd
us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P2Y7M6D
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
11290000 shares
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
7708000 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
13075000 shares
CY2021Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
9685000 shares
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
29200000 usd
CY2022Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
22700000 usd
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
23100000 usd
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
3000000.0 usd
CY2022Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Available For Grant
ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant
2691000 shares
CY2021Q2 us-gaap Interest Receivable
InterestReceivable
232400000 usd
CY2022Q3 us-gaap Notes Receivable Gross
NotesReceivableGross
117686000 usd
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p id="xdx_843_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_z2QAWGuOMm7k" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_862_zZbVsxyC7Sd1">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify">Some items in the prior year financial statements were reclassified to conform to the current presentation. Reclassifications had no effect on net income or shareholders’ equity.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p>
CY2022Q3 us-gaap Interest Receivable
InterestReceivable
116700000 usd
CY2022Q3 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
117686000 usd
CY2021Q4 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
232390000 usd
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
35672000 usd
CY2021Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
72242000 usd
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
56206000 usd
CY2020Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
80790000 usd
CY2022Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-6000000 usd
CY2021Q3 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-1590000 usd
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-23400000 usd
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-1590000 usd
CY2022Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
4375000 usd
CY2021Q3 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
6336000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
14181000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
25157000 usd
CY2022Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
2699000 usd
CY2021Q3 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
4408000 usd
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
9371000 usd
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
14681000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
27996000 usd
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
68724000 usd
CY2022Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
27996000 usd
CY2021Q3 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
68724000 usd
CY2022Q3 us-gaap Other Foreclosed Assets
OtherForeclosedAssets
2250000 usd
CY2021Q4 us-gaap Other Foreclosed Assets
OtherForeclosedAssets
4341000 usd
us-gaap Valuation Allowances And Reserves Adjustments
ValuationAllowancesAndReservesAdjustments
-1474000 usd
CY2021 us-gaap Valuation Allowances And Reserves Adjustments
ValuationAllowancesAndReservesAdjustments
-1871000 usd
CY2022Q3 cpss Other Foreclosed Assets Net
OtherForeclosedAssetsNet
776000 usd
CY2021Q4 cpss Other Foreclosed Assets Net
OtherForeclosedAssetsNet
2470000 usd
us-gaap Interest And Other Income
InterestAndOtherIncome
577000 usd
us-gaap Interest And Other Income
InterestAndOtherIncome
17000 usd
CY2022Q3 cpss Receivables Pledged
ReceivablesPledged
2313545000 usd
CY2022Q3 cpss Securitization Trust Debt Initial Principal
SecuritizationTrustDebtInitialPrincipal
5638234000 usd
CY2022Q3 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2071179000 usd
CY2021Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
1771953000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
213600000000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
967300000000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
302100000000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
283200000000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
165300000000 usd
CY2022Q3 cpss Long Term Debt Maturities Repayments Of Principal In Year Six
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix
101600000000 usd
CY2022Q3 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
23900000000 usd
CY2022Q3 us-gaap Deferred Finance Costs Gross
DeferredFinanceCostsGross
14100000 usd
CY2021Q4 us-gaap Deferred Finance Costs Gross
DeferredFinanceCostsGross
12000000.0 usd
CY2022Q3 us-gaap Restricted Cash
RestrictedCash
159800000 usd
CY2022Q3 us-gaap Debt Longterm And Shortterm Combined Amount
DebtLongtermAndShorttermCombinedAmount
322736000 usd
CY2021Q4 us-gaap Debt Longterm And Shortterm Combined Amount
DebtLongtermAndShorttermCombinedAmount
186780000 usd
CY2022Q3 us-gaap Investment Income Net
InvestmentIncomeNet
7620000 usd
CY2021Q3 us-gaap Investment Income Net
InvestmentIncomeNet
16062000 usd
us-gaap Investment Income Net
InvestmentIncomeNet
28766000 usd
us-gaap Investment Income Net
InvestmentIncomeNet
56652000 usd
CY2022Q3 us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
71734000 usd
CY2021Q3 us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
50951000 usd
us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
196204000 usd
us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
141882000 usd
CY2022Q3 us-gaap Interest And Other Income
InterestAndOtherIncome
463000 usd
CY2021Q3 us-gaap Interest And Other Income
InterestAndOtherIncome
5000 usd
CY2022Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
79817000 usd
CY2021Q3 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
67018000 usd
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
225547000 usd
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
198551000 usd
CY2022Q3 us-gaap Interest Expense
InterestExpense
23483000 usd
CY2021Q3 us-gaap Interest Expense
InterestExpense
18334000 usd
us-gaap Interest Expense
InterestExpense
58654000 usd
us-gaap Interest Expense
InterestExpense
58260000 usd
CY2022Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
20911 shares
CY2021Q3 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
23011 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
21166 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
22866 shares
CY2022Q3 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
5743 shares
CY2021Q3 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
3207 shares
us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
6346 shares
us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
2573 shares
CY2022Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
26654 shares
CY2021Q3 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
26218 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27512 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25439 shares
CY2022Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
1700000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
1000000.0 shares
CY2021Q3 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
5600000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
5800000 shares
CY2022Q3 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
14600000 usd
CY2022Q3 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
8900000 usd
us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
26000000.0 usd
CY2022Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.26 pure
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.27 pure
CY2021Q3 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
5900000 usd
us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
12800000 usd
CY2021Q3 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.30 pure
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.31 pure
CY2022Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2174133000 usd
CY2021Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1582175000 usd
CY2021Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1749098000 usd
CY2020Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1523726000 usd
CY2022Q3 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
407260000 usd
CY2021Q3 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
310340000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
1311735000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
795457000 usd
CY2022Q3 cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-209627000 usd
CY2021Q3 cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-191458000 usd
cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-635401000 usd
cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-546897000 usd
CY2022Q3 cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-36696000 usd
CY2021Q3 cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-33864000 usd
cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-97462000 usd
cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-100676000 usd
CY2022Q3 cpss Mark To Fair Value
MarkToFairValue
8183000 usd
cpss Mark To Fair Value
MarkToFairValue
15283000 usd
cpss Mark To Fair Value
MarkToFairValue
-4417000 usd
CY2022Q3 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2343253000 usd
CY2021Q3 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1667193000 usd
CY2022Q3 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2343253000 usd
CY2021Q3 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1667193000 usd
CY2022Q3 cpss Finance Receivables Contractual Balance
FinanceReceivablesContractualBalance
2567372000 usd
CY2022Q3 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2343253000 usd
CY2021Q4 cpss Finance Receivables Contractual Balance
FinanceReceivablesContractualBalance
1972699000 usd
CY2021Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1749098000 usd
cpss Discount Rate On Finance Receivables
DiscountRateOnFinanceReceivables
8.9% - 11.3%
CY2021 cpss Discount Rate On Finance Receivables
DiscountRateOnFinanceReceivables
8.9% - 11.3%
cpss Cumulative Net Losses On Finance Receivables
CumulativeNetLossesOnFinanceReceivables
10.0% - 18.4%
CY2021 cpss Cumulative Net Losses On Finance Receivables
CumulativeNetLossesOnFinanceReceivables
10.0% - 18.4%
CY2022Q3 cpss Finance Receivables Measured At Fair Value
FinanceReceivablesMeasuredAtFairValue
2567372000 usd
CY2021Q4 cpss Finance Receivables Measured At Fair Value
FinanceReceivablesMeasuredAtFairValue
1972699000 usd
CY2022Q3 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
12944000 usd
CY2022Q3 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
159762000 usd
CY2022Q3 cpss Finance Receivables Fair Value Disclosure
FinanceReceivablesFairValueDisclosure
79700000 usd
CY2022Q3 us-gaap Accrued Investment Income Receivable
AccruedInvestmentIncomeReceivable
776000 usd
CY2022Q3 us-gaap Lines Of Credit Current
LinesOfCreditCurrent
242449000 usd
CY2022Q3 cpss Residuals Interest Financing
ResidualsInterestFinancing
49560000 usd
CY2022Q3 us-gaap Accounts Payable Fair Value Disclosure
AccountsPayableFairValueDisclosure
5063000 usd
CY2022Q3 us-gaap Secured Debt
SecuredDebt
1969599000 usd
CY2022Q3 us-gaap Subordinated Debt
SubordinatedDebt
27249000 usd
CY2021Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
29928000 usd
CY2021Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
146620000 usd
CY2021Q4 cpss Finance Receivables Fair Value Disclosure
FinanceReceivablesFairValueDisclosure
178795000 usd
CY2021Q4 us-gaap Accrued Investment Income Receivable
AccruedInvestmentIncomeReceivable
2269000 usd
CY2021Q4 us-gaap Lines Of Credit Current
LinesOfCreditCurrent
105610000 usd
CY2021Q4 cpss Residuals Interest Financing
ResidualsInterestFinancing
53682000 usd
CY2021Q4 us-gaap Accounts Payable Fair Value Disclosure
AccountsPayableFairValueDisclosure
3568000 usd
CY2021Q4 us-gaap Secured Debt
SecuredDebt
1740901000 usd
CY2021Q4 us-gaap Subordinated Debt
SubordinatedDebt
26459000 usd

Files In Submission

Name View Source Status
cpss-20220930_pre.xml Edgar Link unprocessable
0001683168-22-007602-index-headers.html Edgar Link pending
0001683168-22-007602-index.html Edgar Link pending
0001683168-22-007602.txt Edgar Link pending
0001683168-22-007602-xbrl.zip Edgar Link pending
cpss-20220930.xsd Edgar Link pending
cps_ex3101.htm Edgar Link pending
cps_ex3102.htm Edgar Link pending
cps_ex3200.htm Edgar Link pending
cps_i10q-093022.htm Edgar Link pending
Financial_Report.xlsx Edgar Link pending
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cpss-20220930_cal.xml Edgar Link unprocessable
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cpss-20220930_lab.xml Edgar Link unprocessable
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cps_i10q-093022_htm.xml Edgar Link completed
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