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
DateValue
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%