Consumer Portfolio Services (CPSS) EBT Margin (2010 - 2026)
Consumer Portfolio Services (CPSS) posted EBT Margin of 7.15% for Q1 2026, up 8.34% sequentially from 6.6% in Q4 2025, and up 78.0% YoY from 4.01% in Q1 2025.
Consumer Portfolio Services (CPSS) EBT Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services (CPSS) has 17 years of EBT Margin data on file, last reported at 7.15% in Q1 2026.
- Quarterly EBT Margin rose 78.0% year-over-year to 7.15% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 6.64% (down 13.0% YoY) and the FY2025 annual result came in at 6.45%, down 53.0% from the prior year.
- EBT Margin advanced to 7.15% in Q1 2026 per CPSS's latest filing, from 6.6% in the prior quarter.
- The five-year high for EBT Margin was 41.72% in Q2 2022, with the low at 6.33% in Q2 2025.
- Average EBT Margin over 5 years is 16.02%, with a median of 7.15% recorded in 2024.
- Year-over-year, EBT Margin soared 4252 bps in 2022 and sank 2259 bps in 2023.
- Consumer Portfolio Services' EBT Margin stood at 22.05% in 2022, then slumped by 51 bps to 10.7% in 2023, then slumped by 35 bps to 6.98% in 2024, then slipped by 6 bps to 6.6% in 2025, then grew by 8 bps to 7.15% in 2026.
- Business Quant data shows CPSS's EBT Margin at 7.15% in Q1 2026, 6.6% in Q4 2025, and 6.49% in Q3 2025.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | EBT Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 63.88% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 57.30% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 19.98% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 16.68% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 32.10% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 18.14% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 19.03% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 27.07% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 16.65% |
| 10 | Consumer Portfolio Services | 209.49 Mn | 202.55 Mn | 105.78 Mn | 7.15% |
Historic Data
Download Data| Date | Value |
|---|---|
| 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% |
| Dec 31, 2021 | 4.32% |
| Sep 30, 2021 | -4.48% |
| Jun 30, 2021 | 20.78% |