Jun 2026 (Q2 FY26) — Aug 5, 2026
Consumer Portfolio Services Q2 FY26 — Strong Origination Growth and Improving Credit Trends
Read the full callConsumer Portfolio Services (CPSS) earnings
- Jun 2026
- Jun 2026 (Q2 FY26)
- Dec 2025
Consumer Portfolio Services earnings: last reported Wed, 5 Aug 2026, for the quarter ended Jun 2026.
Reported
The figures, each with its period
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 121 | +10.6% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 6.2 | +30.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Price
$9.03 −1.31% · −$0.12
Performance +13.3% 1Y
1Y: $7.97 on 17 Oct 2025 → $9.03. High $10.3 (19 May 2026), low $7.39 (21 Oct 2025).
- Previous close
- $9.15
- 52-week range
- $7.39 – $10.3
- One year
- +15.62%
Overview
- Symbol
- CPSS
- Sector
- Financials
- Exchange
- US
- Currency
- USD
Call summaries
Every analysed call
Consumer Portfolio Services earnings calls (CPSS)
Financials
What the filings say
Net profit, year on year: +30% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 101 | 105 | 107 | 110 | 108 | 109 | 112 | 121 |
| Interest | 50 | 53 | 55 | 59 | 59 | 59 | 60 | 64 |
| Profit before tax | 7 | 7 | 7 | 7 | 7 | 7 | 8 | 9 |
| Tax rate | 30.0% | 30.0% | 31.0% | 31.0% | 31.0% | 31.0% | 31.0% | 31.0% |
| Net profit | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 |
| EPS ($ per share) | 0.22 | — | 0.22 | 0.22 | 0.22 | — | 0.25 | 0.29 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 70 | 71 | 73 | 55 | 29 | 29 | 26 | 24 |
| Reserves | 134 | 140 | 69 | 117 | 203 | 248 | 267 | 286 |
| Total liabilities | 2,289 | 2,337 | 2,013 | 1,989 | 2,524 | 2,629 | 3,201 | 3,549 |
| Fixed assets | 2 | 2 | 1 | 1 | 2 | 1 | 1 | 1 |
| Total assets | 2,486 | 2,539 | 2,146 | 2,160 | 2,753 | 2,904 | 3,494 | 3,858 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 216 | 217 | 239 | 198 | 216 | 238 | 234 | 289 |
| Cash from investing | -242 | -229 | 93 | -115 | -714 | -360 | -770 | -590 |
| Cash from financing | 31 | 23 | -328 | -50 | 484 | 84 | 548 | 336 |
| Net cash flow | — | 11 | 3 | 32 | -14 | -37 | 12 | 35 |
| Capital expenditure | -1 | -1 | -0 | -2 | -2 | -1 | -0 | -1 |
| Free cash flow | 215 | 216 | 239 | 196 | 214 | 237 | 233 | 288 |
Insider filings
46 filings between Dec 4, 2025 and Oct 1, 2026.
Open market
decisions to buy or sellPurchases
None
No insider bought shares.
Sales
$2.39M
8 sales by 5 insiders
Compensation
not trading decisions- 19
- Option exercise — converted options into shares
- 10
- Tax withheld — shares kept back by the company to cover tax
Also filed: 9 gifts.
Who traded
open market only| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| BRADLEY CHARLES E JR | — | $1.18M | Aug 26, 2026 |
| ROBERTS WILLIAM B | — | $869.0K | Dec 4, 2025 |
| WOOD DANIEL S | — | $150.6K | Mar 13, 2026 |
| Jackson Noel | — | $137.2K | Sep 1, 2026 |
| Ralston Catrina Marie | — | $47.5K | Aug 12, 2026 |
Latest filings (50)
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Oct 1, 2026 | Robinson Teri Exec. Vice President | Gift | 660 | $0 |
| Sep 1, 2026 | Jackson Noel Sr. Vice President | Sale | 7,500 | $69.8K |
| Sep 1, 2026 | Jackson Noel Sr. Vice President | Option exercise | 7,500 | $18.5K |
| Aug 26, 2026 | BRADLEY CHARLES E JR CEO | Sale | 125,000 | $1.18M |
| Aug 12, 2026 | Ralston Catrina Marie Sr. Vice President | Sale | 3,617 | $34.4K |
| Aug 10, 2026 | Ralston Catrina Marie Sr. Vice President | Sale | 916 | $8.7K |
| Aug 7, 2026 | Ralston Catrina Marie Sr. Vice President | Sale | 467 | $4.4K |
| Aug 6, 2026 | Lavin Michael T. President | Tax withheld | 36,525 | $349.5K |
| Aug 6, 2026 | Rayhill Brian Director | Option exercise | 30,000 | $105.9K |
| Aug 6, 2026 | Lavin Michael T. President | Option exercise | 28,647 | $101.1K |
| Aug 6, 2026 | Lavin Michael T. President | Gift | 99,304 | $0 |
| Aug 6, 2026 | Lavin Michael T. President | Option exercise | 45,829 | $113.2K |
| Aug 6, 2026 | Lavin Michael T. President | Option exercise | 61,353 | $216.6K |
| Aug 6, 2026 | Rayhill Brian Director | Tax withheld | 11,066 | $105.9K |
| Aug 6, 2026 | Lavin Michael T. President | Gift | 99,304 | $0 |
| Aug 5, 2026 | BRADLEY CHARLES E JR CEO | Option exercise | 300,000 | $1.06M |
| Aug 5, 2026 | Bharwani Denesh Exec. Vice President | Option exercise | 60,000 | $211.8K |
| Aug 5, 2026 | TERRY CHRIS Exec. Vice President | Tax withheld | 27,787 | $255.1K |
| Aug 5, 2026 | TERRY CHRIS Exec. Vice President | Option exercise | 60,000 | $211.8K |
| Aug 4, 2026 | Baumeister Michele L Sr. Vice President | Option exercise | 30,000 | $105.9K |
| Aug 4, 2026 | Baumeister Michele L Sr. Vice President | Tax withheld | 14,171 | $131.9K |
| Aug 3, 2026 | Ralston Catrina Marie Sr. Vice President | Option exercise | 30,000 | $105.9K |
| Aug 3, 2026 | Reynoso Lisette Sr. Vice President | Tax withheld | 1,839 | $17.7K |
| Aug 3, 2026 | Reynoso Lisette Sr. Vice President | Option exercise | 5,000 | $17.6K |
| Aug 3, 2026 | Robinson Teri Exec. Vice President | Gift | 43,588 | $0 |
| Aug 3, 2026 | Robinson Teri Exec. Vice President | Gift | 43,588 | $0 |
| Aug 3, 2026 | Robinson Teri Exec. Vice President | Tax withheld | 16,412 | $157.6K |
| Aug 3, 2026 | Robinson Teri Exec. Vice President | Option exercise | 31,459 | $111.1K |
| Aug 3, 2026 | Ralston Catrina Marie Sr. Vice President | Tax withheld | 12,459 | $119.6K |
| Aug 3, 2026 | Robinson Teri Exec. Vice President | Option exercise | 28,541 | $100.7K |
| Jul 24, 2026 | WOOD DANIEL S Director | Tax withheld | 11,207 | $105.9K |
| Jul 24, 2026 | WOOD DANIEL S Director | Option exercise | 30,000 | $105.9K |
| Jul 3, 2026 | Robinson Teri Exec. Vice President | Gift | 660 | $0 |
| Jun 30, 2026 | Ryan Susan Sr. Vice President | Tax withheld | 11,641 | $111.8K |
| Jun 30, 2026 | Ryan Susan Sr. Vice President | Option exercise | 30,000 | $105.9K |
| Jun 26, 2026 | Gonel Charles E. Sr. Vice President | Option exercise | 30,000 | $105.9K |
| Jun 26, 2026 | Gonel Charles E. Sr. Vice President | Tax withheld | 11,095 | $111.0K |
| Jun 16, 2026 | Jackson Noel Sr. Vice President | Sale | 7,000 | $67.4K |
| Jun 16, 2026 | Jackson Noel Sr. Vice President | Option exercise | 7,000 | $24.7K |
| Apr 27, 2026 | Schween Steven Sr. Vice President | Option exercise | 30,000 | $74.1K |
| Apr 9, 2026 | Robinson Teri Exec. Vice President | Gift | 660 | $0 |
| Apr 7, 2026 | Schween Steven Sr. Vice President | Option exercise | 30,000 | $105.9K |
| Mar 13, 2026 | WOOD DANIEL S Director | Sale | 20,000 | $150.6K |
| Feb 12, 2026 | Bharwani Denesh Exec. Vice President | Gift | 9,000 | $0 |
| Jan 7, 2026 | Robinson Teri Exec. Vice President | Gift | 660 | $0 |
| Dec 4, 2025 | ROBERTS WILLIAM B Director | Sale | 100,000 | $869.0K |
| Sep 22, 2025 | Grasso Louis M Director | Option exercise | 20,000 | $49.4K |
| Sep 16, 2025 | Jackson Noel Sr. Vice President | Sale | 9,369 | $79.6K |
| Sep 16, 2025 | Jackson Noel Sr. Vice President | Option exercise | 9,369 | $23.1K |
| Sep 16, 2025 | Reynoso Lisette Sr. Vice President | Tax withheld | 2,165 | $18.4K |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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