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| Date | Value |
|---|---|
| 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% |