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Consumer Portfolio Services
Consumer Portfolio Services (CPSS) investor relations material
Consumer Portfolio Services Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary24 Mar, 2026
Company overview
Specializes in purchasing and servicing auto contracts from dealers, providing indirect financing to sub-prime customers in 47 states.
Managed portfolio reached $3.89 billion with 8,000 daily applications and 57 consecutive profitable quarters.
Operates branches in NV, CA, IL, VA, and FL, with an average management tenure of 25 years.
Employs 913 people as of December 2025.
Market dynamics
U.S. auto loan market totals $1.6 trillion, with sub-prime representing about 15% of financings.
Industry is capital-intensive, highly regulated, and fragmented with few dominant players.
Contracts purchased in 47 states, with highest origination volumes in select states.
Product offering and customer profile
Offers multiple programs with average yields from 13.93% to 24.33%, targeting FICO scores from 553 to 656.
Average customer is 41 years old, with $76,443 household income, 5 years at current job, and 7 years at current residence.
72% of vehicles financed are pre-owned, 52% are imports, and 71% are from factory franchised dealerships.
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Latest events from Consumer Portfolio Services
- Record 2025 revenue, stable net income, and new growth initiatives set up a strong 2026.CPSS
Q4 202511 Mar 2026 - Record growth in subprime auto lending driven by AI, dealer network, and conservative risk controls.CPSSPresents at Planet MicroCap Showcase: VEGAS 20253 Feb 2026
- Record loan growth, robust AI-driven operations, and steady profitability define current strategy.CPSSSmall-Cap Growth Virtual Investor Conference3 Feb 2026
- Revenue up 13%, but net income fell on higher costs and rising delinquencies.CPSSQ2 20242 Feb 2026
- Consistent profits, AI-driven growth, and lower funding costs fuel expansion in subprime auto.CPSS2024 Annual Gateway Conference22 Jan 2026
- Revenue and portfolio hit records, but net income fell as expenses and delinquencies rose.CPSSQ3 202417 Jan 2026
- Record portfolio and revenue growth, but lower net income due to higher expenses and charge-offs.CPSSQ4 202416 Dec 2025
- AI-driven efficiency and strong dealer ties fuel growth and resilience amid rising costs.CPSSThe Gateway Conference 202516 Dec 2025
- Board recommends approval of all proposals, including a new equity incentive plan and annual say-on-pay.CPSSProxy Filing2 Dec 2025
Next Consumer Portfolio Services earnings date
Q1 202612 May, 2026
Consumer Portfolio Services
Next Consumer Portfolio Services earnings date
Q1 202612 May, 2026
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excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
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@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
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