Consumer Portfolio Services (CPSS) Gross Margin (2010 - 2026)

Consumer Portfolio Services (CPSS) posted Gross Margin of 94.17% for Q1 2026, down 0.86% sequentially from 94.98% in Q4 2025, and down 30.0% YoY from 134.52% in Q1 2025.

Consumer Portfolio Services (CPSS) Gross Margin (2010 - 2026) Analysis & Trends

Consumer Portfolio Services (CPSS) has 17 years of Gross Margin data on file, last reported at 94.17% in Q1 2026.

  • Quarterly Gross Margin fell 30.0% year-over-year to 94.17% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 94.67% (up 49.0% YoY) and the FY2025 annual result came in at 94.75%, up 53.0% from the prior year.
  • Gross Margin slipped to 94.17% in Q1 2026 per CPSS's latest filing, from 94.98% in the prior quarter.
  • The five-year high for Gross Margin was 94.98% in Q4 2025, with the low at 92.76% in Q1 2022.
  • Average Gross Margin over 5 years is 93.99%, with a median of 94.17% recorded in 2026.
  • Year-over-year, Gross Margin plunged 93 bps in 2022 and jumped 194 bps in 2023.
  • Consumer Portfolio Services' Gross Margin stood at 92.95% in 2022, then grew by 2 bps to 94.89% in 2023, then dropped by 1 bps to 94.04% in 2024, then increased by 1 bps to 94.98% in 2025, then fell by 1 bps to 94.17% in 2026.
  • Business Quant data shows CPSS's Gross Margin at 94.17% in Q1 2026, 94.98% in Q4 2025, and 94.76% in Q3 2025.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Gross Margin (Qtr)
1 Visa 587.74 Bn 575.34 Bn - -
2 Mastercard 465.55 Bn 455.34 Bn - -
3 American Express 238.39 Bn 184.35 Bn 17.43 Bn 92.17%
4 PayPal Holdings 40.24 Bn 30.89 Bn 7.84 Bn 93.80%
5 Affirm Holdings 28.27 Bn 26.55 Bn 261.64 Mn 78.22%
6 SoFi Technologies 23.54 Bn 20.13 Bn 929.25 Mn 84.45%
7 Ally Financial 14.34 Bn 13.89 Bn 1.98 Bn 94.24%
8 Credit Acceptance 7.51 Bn 7.49 Bn 562.70 Mn 97.03%
9 FinVolution 6.22 Bn 4.97 Bn 311.24 Mn 71.98%
10 Consumer Portfolio Services 209.49 Mn 202.55 Mn 105.78 Mn 94.17%

Historic Data

Download Data
DateValue
Mar 31, 2026 94.17%
Dec 31, 2025 94.98%
Sep 30, 2025 94.76%
Jun 30, 2025 94.79%
Mar 31, 2025 94.47%
Dec 31, 2024 94.04%
Sep 30, 2024 94.31%
Jun 30, 2024 93.86%
Mar 31, 2024 94.69%
Dec 31, 2023 94.89%
Sep 30, 2023 94.21%
Jun 30, 2023 93.56%
Mar 31, 2023 93.11%
Dec 31, 2022 92.95%
Sep 30, 2022 93.40%
Jun 30, 2022 92.88%
Mar 31, 2022 92.76%
Dec 31, 2021 93.66%
Sep 30, 2021 93.75%
Jun 30, 2021 93.71%