CPSS CONSUMER PORTFOLIO SERVICES, INC.
Price Chart
Executive Summary
Consumer Portfolio Services reported Q1 2026 revenue of $112.3M (+5.1% YoY) and net income of $5.5M (+18% YoY), driven by strong contract purchases ($533.2M, +18% YoY) and a record portfolio balance of $3.94B. However, annualized net charge-offs rose to 8.57% from 7.54% YoY, partially offsetting positive trends.
Actionable Insight
Earnings show solid growth, but rising charge-offs warrant monitoring. No guidance provided; watch for credit trends in subsequent quarters. Conference call on May 6 may offer additional color.
Key Facts
- Q1 2026 revenue $112.3M vs $106.9M Q1 2025 (+5.1%)
- Net income $5.5M vs $4.7M (+18%); diluted EPS $0.24 vs $0.19 (+26%)
- New contract purchases $533.2M, +18% YoY and +47% QoQ
- Portfolio balance $3.942B, record high
- Delinquencies (30+ days) improved to 11.58% from 12.35% YoY
- Annualized net charge-offs increased to 8.57% from 7.54% YoY
Financial Impact
Revenue +$5.4M, net income +$0.8M YoY
Risk Factors
- Rising annualized net charge-offs (8.57% vs 7.54%) could pressure margins
- Interest expense increased $5.1M YoY due to higher borrowing costs
- No forward guidance provided, limiting visibility
Market Snapshot
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001683168-26-003502 |
| Document: cps_8k.htm | 0001683168-26-003502 |
| Document: 0001683168-26-003502-index-headers.html | 0001683168-26-003502 |
| Document: 0001683168-26-003502-index.html | 0001683168-26-003502 |
| Document: 0001683168-26-003502.txt | 0001683168-26-003502 |
| 8-K Data (Synthetic) | 0001683168-26-003502 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
May 20, 2026
20d ago
|
8-K
| $9.90 $9.73 | ▼ −1.72% | ▼ −2.95% | $9.00 (−9.09%) |
|
May 5, 2026
5w ago
|
8-K
| $10.18 $9.63 | ▼ −5.40% | ▼ −6.53% | $9.00 (−11.59%) |
|
Apr 24, 2026
6w ago
|
8-K
| $8.60 $9.91 | ▲ +15.23% | ▲ +14.83% | $9.00 (+4.65%) |
|
Mar 9, 2026
13w ago
|
Press Release
| $7.72 $8.05 | ▲ +4.27% | ▲ +5.18% | $9.00 (+16.58%) |
|
Feb 24, 2026
15w ago
|
8-K
| $8.48 $8.41 | ▼ −0.83% | ▲ +0.27% | $9.00 (+6.13%) |
US Market Status
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