Consumer Portfolio Services (CPSS)
Buys and services dealer-originated auto contracts for borrowers with weaker credit.
$9.64
After hours+0.02 (+0.21%)
At close$9.62(0.00%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 92 | 92 | 92 | 96 | 101 | 105 | 107 | 110 | 108 | 109 | 112 | 121 |
| Cost of revenue | 36 | 39 | 40 | 45 | 49 | 52 | 54 | 58 | 58 | 59 | 0 | 0 |
| Gross profit | 56 | 53 | 51 | 51 | 52 | 54 | 53 | 52 | 50 | 51 | 112 | 121 |
| 42 | 43 | 45 | 44 | 45 | 46 | 46 | 45 | 43 | 43 | 44 | 48 | |
| 40 | 42 | 43 | 43 | 43 | 45 | 44 | 43 | 42 | 42 | 13 | 15 | |
| Selling & marketing | 5 | 5 | 5 | 6 | 6 | 6 | 6 | 6 | 6 | 5 | 0 | 0 |
| General & administrative | 35 | 37 | 38 | 37 | 37 | 38 | 39 | 38 | 36 | 36 | 13 | 15 |
| Other expenses | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 1 | 2 | 31 | 33 |
| Operating income | 14 | 10 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 68 | 73 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −60 | −64 | |
| Interest income | 89 | 89 | 89 | 94 | 99 | 103 | 105 | 108 | 107 | 108 | 109 | 118 |
| Interest expense | 38 | 40 | 42 | 47 | 50 | 53 | 55 | 59 | 59 | 59 | 60 | 64 |
| Income before tax | 14 | 10 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 9 |
| Income tax expense | 4 | 3 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 |
| Net income from continuing operations | 10 | 7 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 |
| Net income | 10 | 7 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 |
| EPS, basic | $0.49 | $0.34 | $0.22 | $0.22 | $0.22 | $0.24 | $0.22 | $0.22 | $0.22 | $0.23 | $0.25 | $0.29 |
| EPS, diluted | $0.41 | $0.29 | $0.19 | $0.19 | $0.20 | $0.21 | $0.19 | $0.20 | $0.20 | $0.21 | $0.24 | $0.26 |
| Weighted average shares, basic | 21 | 21 | 21 | 21 | 21 | 21 | 21 | 22 | 22 | 22 | 22 | 22 |
| Weighted average shares, diluted | 25 | 25 | 25 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 | 24 |
| EBITDA | 14 | 10 | 7 | 7 | 7 | 8 | 7 | 7 | 7 | 7 | 68 | 74 |
| Depreciation & amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBIT | 14 | 10 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 7 | 68 | 73 |