Consumer Portfolio Services (CPSS) EBITDA Margin (2010 - 2026)
Consumer Portfolio Services' (CPSS) quarterly EBITDA Margin came in at 60.37% in Q2 2026, up 56.0% year-over-year from 38.7% in Q2 2025, and little changed quarter-over-quarter from 60.61% in Q1 2026.
Analysis
Consumer Portfolio Services (CPSS) EBITDA Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has disclosed EBITDA Margin across 17 years of filings, most recently posting 60.37% for Q2 2026.
- In Q2 2026, EBITDA Margin rose 56.0% year-over-year to 60.37%; the TTM figure through Jun 2026 stood at 60.69% (up 290.0% YoY), while the FY2025 annual figure was 60.05%, up 426.0% from the prior year.
- EBITDA Margin came in at 60.37% for Q2 2026 at Consumer Portfolio Services, roughly flat from 60.61% in the prior quarter.
- In the past five years, EBITDA Margin ranged from a high of 64.6% in Q2 2022 to a low of 52.89% in Q1 2024.
- Average EBITDA Margin over 5 years is 59.22%, with a median of 60.1% recorded in 2025.
- Year-over-year, EBITDA Margin jumped 13632 bps in 2022 and plunged 871 bps in 2024.
- Over 5 years, EBITDA Margin stood at 56.82% in 2022, then fell by 4 bps to 54.49% in 2023, then gained by 4 bps to 56.86% in 2024, then climbed by 7 bps to 60.8% in 2025, then retreated by 1 bps to 60.37% in 2026.
- Per Business Quant data, the three most recent EBITDA Margin figures were 60.37% in Q2 2026, 60.61% in Q1 2026, and 60.8% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 44.85% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 12.63% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 11.82% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 25.62% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 82.92% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 25.53% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 47.73% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 49.45% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 13.09% |
| 10 | Consumer Portfolio Services | 201.73 Mn | 29.03 Mn | - | 60.37% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 60.37% |
| Mar 31, 2026 | 60.61% |
| Dec 31, 2025 | 60.80% |
| Sep 30, 2025 | 60.99% |
| Jun 30, 2025 | 59.82% |
| Mar 31, 2025 | 57.75% |
| Dec 31, 2024 | 56.86% |
| Sep 30, 2024 | 56.58% |
| Jun 30, 2024 | 55.68% |
| Mar 31, 2024 | 52.89% |
| Dec 31, 2023 | 54.49% |
| Sep 30, 2023 | 56.59% |
| Jun 30, 2023 | 64.00% |
| Mar 31, 2023 | 61.60% |
| Dec 31, 2022 | 56.82% |
| Sep 30, 2022 | 64.04% |
| Jun 30, 2022 | 64.60% |
| Mar 31, 2022 | 61.49% |
| Jun 30, 2021 | 49.21% |
| Mar 31, 2021 | -74.83% |