Consumer Portfolio Services Posts Record $434.5M 2025 Revenue, $5M Q4 Profit
Consumer Portfolio Services reported Q4 net income of $5.0 million ($0.21 per share) on $109.4 million revenue, a 3.9% increase from the prior year. Full-year revenue rose 10.4% to $434.5 million with net income of $19.3 million ($0.80 per share) driven by 16% higher interest income.
1. Fourth Quarter Financials
Consumer Portfolio Services generated net income of $5.0 million, or $0.21 per diluted share, in the fourth quarter on total revenues of $109.4 million, up 3.9% year-over-year. Operating expenses rose to $102.2 million, and pretax income totaled $7.2 million compared with $7.4 million in the same period a year earlier.
2. Annual Performance
For the full year, the company recorded revenue of $434.5 million, a 10.4% increase driven by a 16% rise in interest income to $422.7 million. Net income reached $19.3 million, or $0.80 per share, and pretax income was $28.0 million, slightly above the prior year’s $27.4 million.
3. Portfolio and Credit Metrics
New contract purchases totaled $1.638 billion for 2025, while total receivables grew to $3.779 billion. Net charge-offs were 7.76% of the portfolio and delinquencies over 30 days stood at 14.77%, both essentially unchanged from the previous year.
4. Conference Call Scheduled
A conference call is set for March 11 at 1:00 p.m. ET to discuss fourth-quarter results; participants can register in advance and access a replay via the company’s investor relations website.