Consumer Portfolio Services (CPSS) Debt Ratio (2010 - 2026)
Consumer Portfolio Services' Debt Ratio came in at 0.16 for Q2 2026, up 42.0% from 0.11 a year earlier and up 31.2% from the prior quarter.
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Analysis
Consumer Portfolio Services (CPSS) Debt Ratio (2010 - 2026) Analysis & Trends
For FY2025, Consumer Portfolio Services' Debt Ratio was 0.09, down 26.7% from FY2024.
- Going back by year, Debt Ratio was 0.13 in FY2024 (+44.7%), 0.09 in FY2023 (-23.3%), 0.11 in FY2022 (+84.5%) and 0.06 in FY2021 (-6.5%).
- The Q2 2026 figure represents the highest quarterly Debt Ratio since Q4 2015.
- Year-over-year, Debt Ratio increased in six of the last eight quarters, with growth averaging 55.8%.
- The fastest year-over-year change in Debt Ratio over five years came in Q2 2025 (growth of 254.5%), and the weakest in Q2 2024 (a decline of 65.9%).
- Business Quant data shows CPSS's Debt Ratio at 0.12 (Q1 2026), 0.09 (Q4 2025) and 0.10 (Q3 2025) in the three quarters before Q2 2026.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 0.41 |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | 0.36 |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 0.44 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 0.97 |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 0.04 |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 0.07 |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 0.18 |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 0.26 |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 0.49 |
| 10 | Consumer Portfolio Services | 225.01 Mn | 199.10 Mn | - | 0.16 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.16 |
| Jun 30, 2026 | 0.16 |
| Mar 31, 2026 | 0.12 |
| Dec 31, 2025 | 0.09 |
| Sep 30, 2025 | 0.10 |
| Jun 30, 2025 | 0.11 |
| Mar 31, 2025 | 0.11 |
| Dec 31, 2024 | 0.13 |
| Sep 30, 2024 | 0.04 |
| Jun 30, 2024 | 0.03 |
| Mar 31, 2024 | 0.09 |
| Dec 31, 2023 | 0.09 |
| Sep 30, 2023 | 0.09 |
| Jun 30, 2023 | 0.09 |
| Mar 31, 2023 | 0.11 |
| Dec 31, 2022 | 0.11 |
| Sep 30, 2022 | 0.10 |
| Jun 30, 2022 | 0.10 |
| Mar 31, 2022 | 0.08 |
| Dec 31, 2021 | 0.06 |
API Access
Consumer Portfolio Services Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=CPSS&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "CPSS", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=CPSS&period=max&api_key=YOUR_API_KEY");
const data = await res.json();