Consumer Portfolio Services (CPSS) EBITDA Margin (2010 - 2026)
Consumer Portfolio Services (CPSS) posted EBITDA Margin of 1.31% for Q1 2026, down 16.9% sequentially from 1.58% in Q4 2025, and up 48.0% YoY from 0.89% in Q1 2025.
Consumer Portfolio Services (CPSS) EBITDA Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services (CPSS) has 17 years of EBITDA Margin data on file, last reported at 1.31% in Q1 2026.
- Quarterly EBITDA Margin rose 48.0% year-over-year to 1.31% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 1.32% (up 37.0% YoY) and the FY2025 annual result came in at 1.56%, down 13.0% from the prior year.
- EBITDA Margin slipped to 1.31% in Q1 2026 per CPSS's latest filing, from 1.58% in the prior quarter.
- The five-year high for EBITDA Margin was 34.6% in Q2 2022, with the low at 0.82% in Q2 2024.
- Average EBITDA Margin over 5 years is 10.01%, with a median of 1.84% recorded in 2024.
- Year-over-year, EBITDA Margin jumped 2592 bps in 2022 and tumbled 2178 bps in 2023.
- Consumer Portfolio Services' EBITDA Margin stood at 15.0% in 2022, then slumped by 63 bps to 5.59% in 2023, then plunged by 82 bps to 1.02% in 2024, then jumped by 55 bps to 1.58% in 2025, then fell by 17 bps to 1.31% in 2026.
- Business Quant data shows CPSS's EBITDA Margin at 1.31% in Q1 2026, 1.58% in Q4 2025, and 1.25% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBITDA Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 64.42% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 58.43% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 18.77% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 17.81% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 28.77% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 13.91% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 15.79% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 24.11% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 15.96% |
| 10 | Consumer Portfolio Services | 209.49 Mn | 202.55 Mn | 105.78 Mn | 1.31% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 1.31% |
| Dec 31, 2025 | 1.58% |
| Sep 30, 2025 | 1.25% |
| Jun 30, 2025 | 1.12% |
| Mar 31, 2025 | 0.83% |
| Dec 31, 2024 | 1.02% |
| Sep 30, 2024 | 1.12% |
| Jun 30, 2024 | 0.82% |
| Mar 31, 2024 | 1.84% |
| Dec 31, 2023 | 5.59% |
| Sep 30, 2023 | 9.65% |
| Jun 30, 2023 | 15.49% |
| Mar 31, 2023 | 15.29% |
| Dec 31, 2022 | 15.00% |
| Sep 30, 2022 | 31.43% |
| Jun 30, 2022 | 34.60% |
| Mar 31, 2022 | 32.19% |
| Dec 31, 2021 | 28.80% |
| Sep 30, 2021 | 22.25% |
| Jun 30, 2021 | 14.49% |