$CPSS
Consumer Portfolio Services Inc

2023 Q3 Form 10-Q Financial Statement

#000168316823005426 Filed on August 08, 2023

View on sec.gov

Income Statement

Concept 2023 Q3 2023 Q2
Revenue $92.08M $84.86M
YoY Change 1.96% 3.46%
Cost Of Revenue $37.90M $35.71M
YoY Change 61.39% 90.22%
Gross Profit $48.20M $49.15M
YoY Change -17.8% -16.05%
Gross Profit Margin 52.35% 57.92%
Selling, General & Admin $18.38M $32.93M
YoY Change 19.55% 133.25%
% of Gross Profit 38.12% 67.0%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $199.0K $211.0K
YoY Change -50.99% -45.19%
% of Gross Profit 0.41% 0.43%
Operating Expenses $77.86M $30.55M
YoY Change 39.13% -36.09%
Operating Profit -$29.66M $18.60M
YoY Change -1207.58% 73.14%
Interest Expense $37.89M $0.00
YoY Change 61.35% -100.0%
% of Operating Profit 0.0%
Other Income/Expense, Net
YoY Change
Pretax Income $14.22M $18.60M
YoY Change -58.6% -45.63%
Income Tax $3.839M $4.650M
% Of Pretax Income 27.0% 24.99%
Net Earnings $10.38M $13.95M
YoY Change -59.16% -44.89%
Net Earnings / Revenue 11.27% 16.44%
Basic Earnings Per Share $0.49 $0.67
Diluted Earnings Per Share $0.41 $0.55
COMMON SHARES
Basic Shares Outstanding 21.16M shares 20.78M shares
Diluted Shares Outstanding 25.22M shares 25.37M shares

Balance Sheet

Concept 2023 Q3 2023 Q2
SHORT-TERM ASSETS
Cash & Short-Term Investments $8.300M $7.081M
YoY Change -35.88% -37.6%
Cash & Equivalents $8.306M $7.081M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables $34.30M $46.36M
Other Receivables $0.00 $0.00
Total Short-Term Assets $42.60M $53.44M
YoY Change -58.8% -57.61%
LONG-TERM ASSETS
Property, Plant & Equipment $1.295M $1.284M
YoY Change -23.82% -5.24%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $25.89M $155.4M
YoY Change -6.96% 537.74%
Total Long-Term Assets $2.838B $2.800B
YoY Change 11.43% 17.94%
TOTAL ASSETS
Total Short-Term Assets $42.60M $53.44M
Total Long-Term Assets $2.838B $2.800B
Total Assets $2.881B $2.854B
YoY Change 8.69% 14.13%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable $58.00M $57.38M
YoY Change 13.98% 3.2%
Accrued Expenses $4.200M $5.271M
YoY Change -11.56% -15.16%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $62.20M $57.38M
YoY Change 11.8% -7.17%
LONG-TERM LIABILITIES
Long-Term Debt $2.553B $2.541B
YoY Change 7.4% 13.43%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $2.553B $2.541B
YoY Change 7.4% 13.43%
TOTAL LIABILITIES
Total Short-Term Liabilities $62.20M $57.38M
Total Long-Term Liabilities $2.553B $2.541B
Total Liabilities $2.615B $2.599B
YoY Change 7.51% 12.88%
SHAREHOLDERS EQUITY
Retained Earnings $240.7M $230.3M
YoY Change 27.76% 41.31%
Common Stock $28.26M $27.94M
YoY Change -10.09% -24.39%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $265.9M $255.2M
YoY Change
Total Liabilities & Shareholders Equity $2.881B $2.854B
YoY Change 8.69% 14.13%

Cashflow Statement

Concept 2023 Q3 2023 Q2
OPERATING ACTIVITIES
Net Income $10.38M $13.95M
YoY Change -59.16% -44.89%
Depreciation, Depletion And Amortization $199.0K $211.0K
YoY Change -50.99% -45.19%
Cash From Operating Activities $61.20M $55.52M
YoY Change 35.78% 8.08%
INVESTING ACTIVITIES
Capital Expenditures $200.0K $32.00K
YoY Change -126.67% -104.25%
Acquisitions
YoY Change
Other Investing Activities -$82.50M -$71.87M
YoY Change -50.71% -72.16%
Cash From Investing Activities -$82.70M -$71.90M
YoY Change -50.81% -72.23%
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities 8.300M 2.441M
YoY Change -93.48% -98.71%
NET CHANGE
Cash From Operating Activities 61.20M 55.52M
Cash From Investing Activities -82.70M -71.90M
Cash From Financing Activities 8.300M 2.441M
Net Change In Cash -13.20M -13.94M
YoY Change -404.36% -22.16%
FREE CASH FLOW
Cash From Operating Activities $61.20M $55.52M
Capital Expenditures $200.0K $32.00K
Free Cash Flow $61.00M $55.49M
YoY Change 33.12% 6.46%

Facts In Submission

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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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dei Entity Tax Identification Number
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us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
18767000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
120661000 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
119670000 usd
us-gaap Payments For Proceeds From Loans Receivable
PaymentsForProceedsFromLoansReceivable
-42892000 usd
us-gaap Payments For Proceeds From Loans Receivable
PaymentsForProceedsFromLoansReceivable
-80246000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
904475000 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
421940000 usd
us-gaap Proceeds From Collection Of Finance Receivables
ProceedsFromCollectionOfFinanceReceivables
425774000 usd
cpss Change In Repossessions In Inventory
ChangeInRepossessionsInInventory
-223000 usd
cpss Change In Repossessions In Inventory
ChangeInRepossessionsInInventory
-1087000 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
66000 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
1028000 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-193059000 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-398396000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
657653000 usd
us-gaap Proceeds From Issuance Of Secured Debt
ProceedsFromIssuanceOfSecuredDebt
712400000 usd
us-gaap Proceeds From Issuance Of Other Long Term Debt
ProceedsFromIssuanceOfOtherLongTermDebt
0 usd
us-gaap Proceeds From Issuance Of Other Long Term Debt
ProceedsFromIssuanceOfOtherLongTermDebt
2682000 usd
us-gaap Repayments Of Medium Term Notes
RepaymentsOfMediumTermNotes
4059000 usd
us-gaap Repayments Of Medium Term Notes
RepaymentsOfMediumTermNotes
1933000 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
-41031000 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
124606000 usd
cpss Net Proceeds From Repayment Of Residual Interest Financing Debt
NetProceedsFromRepaymentOfResidualInterestFinancingDebt
-0 usd
cpss Net Proceeds From Repayment Of Residual Interest Financing Debt
NetProceedsFromRepaymentOfResidualInterestFinancingDebt
4311000 usd
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
540958000 usd
us-gaap Repayments Of Secured Debt
RepaymentsOfSecuredDebt
536824000 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
4066000 usd
us-gaap Payments Of Financing Costs
PaymentsOfFinancingCosts
6204000 usd
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
18464000 usd
us-gaap Payments For Repurchase Of Common Stock
PaymentsForRepurchaseOfCommonStock
34285000 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
15678000 usd
us-gaap Proceeds From Stock Options Exercised
ProceedsFromStockOptionsExercised
14416000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
64753000 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
270547000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-7645000 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-8179000 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
162789000 usd
CY2021Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
176548000 usd
CY2023Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
155144000 usd
CY2022Q2 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
168369000 usd
us-gaap Interest Paid Net
InterestPaidNet
62612000 usd
us-gaap Interest Paid Net
InterestPaidNet
30809000 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
4639000 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
4796000 usd
CY2022Q4 us-gaap Stockholders Equity
StockholdersEquity
228389000 usd
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
255197000 usd
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
198291000 usd
CY2023Q2 us-gaap Stockholders Equity
StockholdersEquity
255197000 usd
CY2022Q2 us-gaap Stockholders Equity
StockholdersEquity
198291000 usd
us-gaap Use Of Estimates
UseOfEstimates
<p id="xdx_848_eus-gaap--UseOfEstimates_zlW11ftgMvAf" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_862_z1zgFGKTxoF1">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-indent: 10pt; text-align: justify">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>
CY2023Q2 us-gaap Other Operating Income
OtherOperatingIncome
2221000 usd
CY2022Q2 us-gaap Other Operating Income
OtherOperatingIncome
1648000 usd
us-gaap Other Operating Income
OtherOperatingIncome
5259000 usd
us-gaap Other Operating Income
OtherOperatingIncome
3554000 usd
CY2023Q2 cpss Operating Lease Right Of Use Asset Gross
OperatingLeaseRightOfUseAssetGross
29575000 usd
CY2022Q4 cpss Operating Lease Right Of Use Asset Gross
OperatingLeaseRightOfUseAssetGross
28397000 usd
CY2023Q2 cpss Accumulated Amortization Rightofuse Assets
AccumulatedAmortizationRightofuseAssets
-24649000 usd
CY2022Q4 cpss Accumulated Amortization Rightofuse Assets
AccumulatedAmortizationRightofuseAssets
-22613000 usd
CY2023Q2 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
4926000 usd
CY2022Q4 us-gaap Operating Lease Right Of Use Asset
OperatingLeaseRightOfUseAsset
5784000 usd
CY2023Q2 us-gaap Operating Lease Liability
OperatingLeaseLiability
5271000 usd
CY2022Q4 us-gaap Operating Lease Liability
OperatingLeaseLiability
6234000 usd
CY2023Q2 cpss Finance Lease Right Of Use Asset At Cost
FinanceLeaseRightOfUseAssetAtCost
3454000 usd
CY2022Q4 cpss Finance Lease Right Of Use Asset At Cost
FinanceLeaseRightOfUseAssetAtCost
3407000 usd
CY2023Q2 cpss Finance Lease Right Of Use Asset Accumulated Depreciation
FinanceLeaseRightOfUseAssetAccumulatedDepreciation
-3357000 usd
CY2022Q4 cpss Finance Lease Right Of Use Asset Accumulated Depreciation
FinanceLeaseRightOfUseAssetAccumulatedDepreciation
-3301000 usd
CY2023Q2 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
97000 usd
CY2022Q4 us-gaap Finance Lease Right Of Use Asset
FinanceLeaseRightOfUseAsset
106000 usd
CY2023Q2 us-gaap Finance Lease Liability
FinanceLeaseLiability
102000 usd
CY2022Q4 us-gaap Finance Lease Liability
FinanceLeaseLiability
177000 usd
CY2023Q2 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.050 pure
CY2022Q4 us-gaap Operating Lease Weighted Average Discount Rate Percent
OperatingLeaseWeightedAverageDiscountRatePercent
0.050 pure
CY2023Q2 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.065 pure
CY2022Q4 us-gaap Finance Lease Weighted Average Discount Rate Percent
FinanceLeaseWeightedAverageDiscountRatePercent
0.065 pure
CY2023Q2 us-gaap Operating Lease Cost
OperatingLeaseCost
1411000 usd
CY2022Q2 us-gaap Operating Lease Cost
OperatingLeaseCost
1760000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
2771000 usd
us-gaap Operating Lease Cost
OperatingLeaseCost
3630000 usd
CY2023Q2 cpss Finance Lease Cost
FinanceLeaseCost
24000 usd
CY2022Q2 cpss Finance Lease Cost
FinanceLeaseCost
257000 usd
cpss Finance Lease Cost
FinanceLeaseCost
125000 usd
cpss Finance Lease Cost
FinanceLeaseCost
555000 usd
CY2023Q2 us-gaap Lease Cost
LeaseCost
1435000 usd
CY2022Q2 us-gaap Lease Cost
LeaseCost
2017000 usd
us-gaap Lease Cost
LeaseCost
2896000 usd
us-gaap Lease Cost
LeaseCost
4185000 usd
CY2023Q2 us-gaap Operating Lease Payments
OperatingLeasePayments
1441000 usd
CY2022Q2 us-gaap Operating Lease Payments
OperatingLeasePayments
1907000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
2771000 usd
us-gaap Operating Lease Payments
OperatingLeasePayments
3965000 usd
CY2023Q2 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
23000 usd
CY2022Q2 us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
245000 usd
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
122000 usd
us-gaap Finance Lease Principal Payments
FinanceLeasePrincipalPayments
527000 usd
CY2023Q2 cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
2000 usd
CY2022Q2 cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
12000 usd
cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
4000 usd
cpss Financing Cash Flows From Finance Leases
FinancingCashFlowsFromFinanceLeases
28000 usd
CY2023Q2 us-gaap Share Based Compensation
ShareBasedCompensation
905000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
1800000 usd
CY2022Q2 us-gaap Share Based Compensation
ShareBasedCompensation
728000 usd
us-gaap Share Based Compensation
ShareBasedCompensation
1500000 usd
CY2023Q2 us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Stock Options
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedStockOptions
7600000 usd
us-gaap Employee Service Share Based Compensation Nonvested Awards Total Compensation Cost Not Yet Recognized Period For Recognition1
EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1
P2Y
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
8362000 shares
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
5675000 shares
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber
11167000 shares
CY2022Q4 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisableNumber
7770000 shares
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingIntrinsicValue
55100000 usd
CY2023Q2 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsExercisableIntrinsicValue1
41800000 usd
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
13300000 usd
us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue
12200000 usd
CY2023Q2 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Number Of Shares Available For Grant
ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant
2661000 shares
us-gaap Prior Period Reclassification Adjustment Description
PriorPeriodReclassificationAdjustmentDescription
<p id="xdx_844_eus-gaap--PriorPeriodReclassificationAdjustmentDescription_znwykTyupkw8" style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"><b><span id="xdx_86D_zgbpQJxeqkX6">Reclassifications</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 10pt; 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>
CY2023Q2 us-gaap Interest Receivable
InterestReceivable
52100000 usd
CY2022Q4 us-gaap Interest Receivable
InterestReceivable
92300000 usd
CY2023Q2 us-gaap Notes Receivable Gross
NotesReceivableGross
52080000 usd
CY2022Q4 us-gaap Notes Receivable Gross
NotesReceivableGross
92304000 usd
CY2023Q2 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
1100000 usd
CY2022Q4 us-gaap Financing Receivable Recorded Investment Nonaccrual Status
FinancingReceivableRecordedInvestmentNonaccrualStatus
2000000.0 usd
CY2023Q2 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
52080000 usd
CY2022Q4 us-gaap Servicing Asset At Amortized Value
ServicingAssetAtAmortizedValue
92304000 usd
CY2023Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
14728000 usd
CY2022Q1 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
45001000 usd
CY2022Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
21753000 usd
CY2021Q4 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
56206000 usd
CY2023Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-9700000 usd
CY2022Q2 us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-8000000 usd
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-18700000 usd
us-gaap Provision For Loan And Lease Losses
ProvisionForLoanAndLeaseLosses
-17400000 usd
CY2023Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
1897000 usd
CY2022Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
4446000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
4914000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
9805000 usd
CY2023Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
2590000 usd
CY2022Q2 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
3117000 usd
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
7582000 usd
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
6671000 usd
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
5721000 usd
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
35672000 usd
CY2023Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
5721000 usd
CY2022Q2 us-gaap Financing Receivable Allowance For Credit Losses
FinancingReceivableAllowanceForCreditLosses
35672000 usd
CY2023Q2 us-gaap Debt Longterm And Shortterm Combined Amount
DebtLongtermAndShorttermCombinedAmount
318051000 usd
CY2022Q4 us-gaap Debt Longterm And Shortterm Combined Amount
DebtLongtermAndShorttermCombinedAmount
363141000 usd
CY2023Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
1897000 usd
CY2022Q2 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
4446000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
4914000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
9805000 usd
CY2023Q2 us-gaap Other Foreclosed Assets
OtherForeclosedAssets
1003000 usd
CY2022Q4 us-gaap Other Foreclosed Assets
OtherForeclosedAssets
1894000 usd
us-gaap Valuation Allowances And Reserves Adjustments
ValuationAllowancesAndReservesAdjustments
-655000 usd
CY2022 us-gaap Valuation Allowances And Reserves Adjustments
ValuationAllowancesAndReservesAdjustments
-1323000 usd
CY2023Q2 cpss Other Foreclosed Assets Net
OtherForeclosedAssetsNet
348000 usd
CY2022Q4 cpss Other Foreclosed Assets Net
OtherForeclosedAssetsNet
571000 usd
CY2023Q2 cpss Receivables Pledged
ReceivablesPledged
2377595000 usd
CY2023Q2 cpss Securitization Trust Debt Initial Principal
SecuritizationTrustDebtInitialPrincipal
5750290000 usd
CY2023Q2 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2239614000 usd
CY2022Q4 us-gaap Principal Amount Outstanding Of Loans Held In Portfolio
PrincipalAmountOutstandingOfLoansHeldInPortfolio
2122919000 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal In Next Twelve Months
LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths
409300000 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Two
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo
747000000.0 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Three
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree
463200000 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Four
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour
288100000 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal In Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFive
193900000 usd
CY2023Q2 cpss Long Term Debt Maturities Repayments Of Principal In Year Six
LongTermDebtMaturitiesRepaymentsOfPrincipalInYearSix
102900000 usd
CY2023Q2 us-gaap Long Term Debt Maturities Repayments Of Principal After Year Five
LongTermDebtMaturitiesRepaymentsOfPrincipalAfterYearFive
20700000 usd
CY2023Q2 us-gaap Deferred Finance Costs Gross
DeferredFinanceCostsGross
14500000 usd
CY2022Q4 us-gaap Deferred Finance Costs Gross
DeferredFinanceCostsGross
14200000 usd
CY2023Q2 us-gaap Restricted Cash
RestrictedCash
148100000 usd
CY2023Q2 us-gaap Investment Income Net
InvestmentIncomeNet
4378000 usd
CY2022Q2 us-gaap Investment Income Net
InvestmentIncomeNet
9832000 usd
us-gaap Investment Income Net
InvestmentIncomeNet
9040000 usd
us-gaap Investment Income Net
InvestmentIncomeNet
21146000 usd
CY2023Q2 us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
76735000 usd
CY2022Q2 us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
65730000 usd
us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
150793000 usd
us-gaap Interest Income Purchased Receivables
InterestIncomePurchasedReceivables
124470000 usd
CY2023Q2 us-gaap Interest And Other Income
InterestAndOtherIncome
1524000 usd
CY2022Q2 us-gaap Interest And Other Income
InterestAndOtherIncome
108000 usd
us-gaap Interest And Other Income
InterestAndOtherIncome
2866000 usd
us-gaap Interest And Other Income
InterestAndOtherIncome
114000 usd
CY2023Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
82637000 usd
CY2022Q2 us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
75670000 usd
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
162699000 usd
us-gaap Interest And Dividend Income Operating
InterestAndDividendIncomeOperating
145730000 usd
CY2023Q2 us-gaap Interest Expense
InterestExpense
35706000 usd
CY2022Q2 us-gaap Interest Expense
InterestExpense
18771000 usd
us-gaap Interest Expense
InterestExpense
68465000 usd
us-gaap Interest Expense
InterestExpense
35171000 usd
CY2023Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
20866000 shares
CY2022Q2 us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
21370000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
20643000 shares
us-gaap Weighted Average Number Of Shares Outstanding Basic
WeightedAverageNumberOfSharesOutstandingBasic
21296000 shares
CY2023Q2 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
4507000 shares
CY2022Q2 us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
6317000 shares
us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
4741000 shares
us-gaap Incremental Common Shares Attributable To Call Options And Warrants
IncrementalCommonSharesAttributableToCallOptionsAndWarrants
6647000 shares
CY2023Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25373000 shares
CY2022Q2 us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27687000 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
25384000 shares
us-gaap Weighted Average Number Of Diluted Shares Outstanding
WeightedAverageNumberOfDilutedSharesOutstanding
27943000 shares
CY2023Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
1500000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
1500000 shares
CY2022Q2 us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
824000 shares
us-gaap Antidilutive Securities Excluded From Computation Of Earnings Per Share Amount
AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount
692000 shares
CY2023Q2 us-gaap Deferred Tax Assets Net
DeferredTaxAssetsNet
7400000 usd
CY2023Q2 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
4700000 usd
us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
9300000 usd
CY2023Q2 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.25 pure
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.25 pure
CY2022Q2 us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
8900000 usd
us-gaap Current Income Tax Expense Benefit
CurrentIncomeTaxExpenseBenefit
17100000 usd
CY2022Q2 us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.26 pure
us-gaap Effective Income Tax Rate Continuing Operations
EffectiveIncomeTaxRateContinuingOperations
0.27 pure
CY2023Q2 cpss Probable Losses For Legal Contingencies
ProbableLossesForLegalContingencies
3800000 usd
CY2023Q2 cpss Maximum Possible Losses For Legal Proceedings And Contingencies
MaximumPossibleLossesForLegalProceedingsAndContingencies
7300000 usd
CY2023Q1 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2575117000 usd
CY2022Q1 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1903857000 usd
CY2022Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2476617000 usd
CY2021Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
1749098000 usd
CY2023Q2 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
305450000 usd
CY2022Q2 us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
511068000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
658048000 usd
us-gaap Payments To Acquire Finance Receivables
PaymentsToAcquireFinanceReceivables
904475000 usd
CY2023Q2 cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-215314000 usd
CY2022Q2 cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-215930000 usd
cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-421940000 usd
cpss Payments On Finance Receivables At Fair Value
PaymentsOnFinanceReceivablesAtFairValue
-425774000 usd
CY2023Q2 cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-46833000 usd
CY2022Q2 cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-29562000 usd
cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-94305000 usd
cpss Net Interest Income Accretion On Fair Value Receivables
NetInterestIncomeAccretionOnFairValueReceivables
-60766000 usd
CY2023Q2 cpss Mark To Fair Value
MarkToFairValue
0 usd
CY2022Q2 cpss Mark To Fair Value
MarkToFairValue
4700000 usd
cpss Mark To Fair Value
MarkToFairValue
0 usd
cpss Mark To Fair Value
MarkToFairValue
7100000 usd
CY2023Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2618420000 usd
CY2022Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2174133000 usd
CY2023Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2618420000 usd
CY2022Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2174133000 usd
CY2023Q2 cpss Finance Receivables Contractual Balance
FinanceReceivablesContractualBalance
2857205000 usd
CY2023Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2618420000 usd
CY2022Q4 cpss Finance Receivables Contractual Balance
FinanceReceivablesContractualBalance
2701184000 usd
CY2022Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2476617000 usd
CY2023Q2 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2618420000 usd
CY2022Q4 us-gaap Receivables Fair Value Disclosure
ReceivablesFairValueDisclosure
2476617000 usd
cpss Discount Rate On Finance Receivables
DiscountRateOnFinanceReceivables
11.0% - 11.5%
CY2022 cpss Discount Rate On Finance Receivables
DiscountRateOnFinanceReceivables
11.0% - 11.3%
cpss Cumulative Net Losses On Finance Receivables
CumulativeNetLossesOnFinanceReceivables
10.0% - 21.5%
CY2022 cpss Cumulative Net Losses On Finance Receivables
CumulativeNetLossesOnFinanceReceivables
13.4% - 19.4%
CY2023Q2 cpss Finance Receivables Measured At Fair Value
FinanceReceivablesMeasuredAtFairValue
2857205000 usd
CY2022Q4 cpss Finance Receivables Measured At Fair Value
FinanceReceivablesMeasuredAtFairValue
2701184000 usd
CY2023Q2 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
7081000 usd
CY2023Q2 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
148063000 usd
CY2023Q2 cpss Finance Receivables Fair Value Disclosure
FinanceReceivablesFairValueDisclosure
42495000 usd
CY2023Q2 us-gaap Accrued Investment Income Receivable
AccruedInvestmentIncomeReceivable
93000 usd
CY2023Q2 us-gaap Lines Of Credit Current
LinesOfCreditCurrent
245272000 usd
CY2023Q2 cpss Residuals Interest Financing
ResidualsInterestFinancing
49749000 usd
CY2023Q2 us-gaap Accounts Payable Fair Value Disclosure
AccountsPayableFairValueDisclosure
7243000 usd
CY2023Q2 us-gaap Secured Debt
SecuredDebt
2137162000 usd
CY2023Q2 us-gaap Subordinated Debt
SubordinatedDebt
21204000 usd
CY2022Q4 us-gaap Cash And Cash Equivalents At Carrying Value
CashAndCashEquivalentsAtCarryingValue
13490000 usd
CY2022Q4 us-gaap Restricted Cash And Cash Equivalents
RestrictedCashAndCashEquivalents
149299000 usd
CY2022Q4 cpss Finance Receivables Fair Value Disclosure
FinanceReceivablesFairValueDisclosure
60063000 usd
CY2022Q4 us-gaap Accrued Investment Income Receivable
AccruedInvestmentIncomeReceivable
649000 usd
CY2022Q4 us-gaap Lines Of Credit Current
LinesOfCreditCurrent
285328000 usd
CY2022Q4 us-gaap Accounts Payable Fair Value Disclosure
AccountsPayableFairValueDisclosure
6190000 usd
CY2022Q4 us-gaap Secured Debt
SecuredDebt
1957995000 usd
CY2022Q4 us-gaap Subordinated Debt
SubordinatedDebt
25263000 usd

Files In Submission

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0001683168-23-005426-index.html Edgar Link pending
0001683168-23-005426.txt Edgar Link pending
0001683168-23-005426-xbrl.zip Edgar Link pending
cpss-20230630.xsd Edgar Link pending
cps_ex3101.htm Edgar Link pending
cps_ex3102.htm Edgar Link pending
cps_ex3200.htm Edgar Link pending
cps_i10q-063023.htm Edgar Link pending
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cps_i10q-063023_htm.xml Edgar Link completed
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