Consumer Portfolio Services (CPSS) EBT Margin (2010 - 2026)
Consumer Portfolio Services' (CPSS) quarterly EBT Margin came in at 7.44% in Q2 2026, up 111.0% year-over-year from 3.53% in Q2 2025, and up 4.15% quarter-over-quarter from 7.15% in Q1 2026.
Analysis
Consumer Portfolio Services (CPSS) EBT Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has disclosed EBT Margin across 17 years of filings, most recently posting 7.44% for Q2 2026.
- In Q2 2026, EBT Margin rose 111.0% year-over-year to 7.44%; the TTM figure through Jun 2026 stood at 6.93% (up 32.0% YoY), while the FY2025 annual figure was 6.45%, down 53.0% from the prior year.
- EBT Margin came in at 7.44% for Q2 2026 at Consumer Portfolio Services, up from 7.15% in the prior quarter.
- In the past five years, EBT Margin ranged from a high of 41.72% in Q2 2022 to a low of 6.33% in Q2 2025.
- Average EBT Margin over 5 years is 15.54%, with a median of 7.3% recorded in 2026.
- Year-over-year, EBT Margin jumped 2685 bps in 2022 and slumped 2259 bps in 2023.
- Over 5 years, EBT Margin stood at 22.05% in 2022, then tumbled by 51 bps to 10.7% in 2023, then tumbled by 35 bps to 6.98% in 2024, then fell by 6 bps to 6.6% in 2025, then increased by 13 bps to 7.44% in 2026.
- Per Business Quant data, the three most recent EBT Margin figures were 7.44% in Q2 2026, 7.15% in Q1 2026, and 6.6% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 24.62% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 14.50% |
| 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 | 28.70% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 19.08% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 15.08% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 19.84% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 19.43% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 12.42% |
| 10 | Consumer Portfolio Services | 201.73 Mn | 29.03 Mn | - | 7.44% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 7.44% |
| Mar 31, 2026 | 7.15% |
| Dec 31, 2025 | 6.60% |
| Sep 30, 2025 | 6.49% |
| Jun 30, 2025 | 6.33% |
| Mar 31, 2025 | 6.36% |
| Dec 31, 2024 | 6.98% |
| Sep 30, 2024 | 6.81% |
| Jun 30, 2024 | 6.96% |
| Mar 31, 2024 | 7.15% |
| Dec 31, 2023 | 10.70% |
| Sep 30, 2023 | 15.44% |
| Jun 30, 2023 | 21.92% |
| Mar 31, 2023 | 22.18% |
| Dec 31, 2022 | 22.05% |
| Sep 30, 2022 | 38.03% |
| Jun 30, 2022 | 41.72% |
| Mar 31, 2022 | 39.44% |
| Jun 30, 2021 | 20.78% |
| Mar 31, 2021 | 12.59% |