Consumer Portfolio Services, Inc.
CPSS · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $393,506 | $352,014 | $329,709 | $267,811 |
| % Growth | 11.8% | 6.8% | 23.1% | – |
| Cost of Goods Sold | $185,950 | $124,331 | $59,424 | $60,649 |
| Gross Profit | $207,556 | $227,683 | $270,285 | $207,162 |
| % Margin | 52.7% | 64.7% | 82% | 77.4% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $150,902 | $138,149 | $121,900 | $115,150 |
| SG&A Expenses | $173,654 | $159,365 | $144,939 | $132,026 |
| Sales & Mktg Exp. | $22,752 | $21,216 | $23,039 | $16,876 |
| Other Operating Expenses | $6,471 | $7,221 | $9,153 | $9,390 |
| Operating Expenses | $180,125 | $166,586 | $154,092 | $141,416 |
| Operating Income | $27,431 | $61,097 | $116,193 | $65,746 |
| % Margin | 7% | 17.4% | 35.2% | 24.5% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $27,431 | $61,097 | $116,193 | $65,746 |
| Tax Expense | $8,228 | $15,754 | $30,210 | $18,222 |
| Net Income | $19,203 | $45,343 | $85,983 | $47,524 |
| % Margin | 4.9% | 12.9% | 26.1% | 17.7% |
| EPS | 0.9 | 2.17 | 4.1 | 2.11 |
| % Growth | -58.5% | -47.1% | 94.3% | – |
| EPS Diluted | 0.79 | 1.8 | 3.23 | 1.84 |
| Weighted Avg Shares Out | 21,292 | 20,896 | 20,958 | 22,562 |
| Weighted Avg Shares Out Dil | 24,325 | 25,218 | 26,589 | 25,780 |
| Supplemental Information | – | – | – | – |
| Interest Income | $384,962 | $341,219 | $320,520 | $261,849 |
| Interest Expense | $191,257 | $146,631 | $87,524 | $75,239 |
| Depreciation & Amortization | $862 | $847 | $1,618 | $1,675 |
| EBITDA | $28,293 | $61,944 | $117,811 | $67,421 |
| % Margin | 7.2% | 17.6% | 35.7% | 25.2% |