Consumer Portfolio Services (CPSS) Interest Coverage Ratio (2010 - 2026)
Consumer Portfolio Services (CPSS) posted Interest Coverage Ratio of 1.13 for Q1 2026, up 1.07% sequentially from 1.12 in Q4 2025, and up 0.87% YoY from 1.12 in Q1 2025.
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Consumer Portfolio Services (CPSS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has reported Interest Coverage Ratio for 17 years, with the latest figure at 1.13 in Q1 2026.
- Quarterly Interest Coverage Ratio rose 0.87% year-over-year to 1.13 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 1.12 (down 1.08% YoY) and the FY2025 annual result came in at 1.12, down 1.99% from the prior year.
- Interest Coverage Ratio rose to 1.13 in Q1 2026 per CPSS's latest filing, from 1.12 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 2.18 in Q3 2022 and troughed at 1.12 in Q2 2025.
- A 5-year average of 1.32 and a median of 1.16 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2023: Interest Coverage Ratio surged 164.59% in 2022, then plunged 36.8% in 2023.
- Over 5 years, Interest Coverage Ratio stood at 1.51 in 2022, then dropped by 17.33% to 1.24 in 2023, then declined by 8.39% to 1.14 in 2024, then decreased by 1.6% to 1.12 in 2025, then climbed by 1.07% to 1.13 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.13, 1.12, and 1.12 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Consumer Portfolio Services | 203.46 Mn | 30.76 Mn | - | 1.14 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.14 |
| Mar 31, 2026 | 1.13 |
| Dec 31, 2025 | 1.12 |
| Sep 30, 2025 | 1.12 |
| Jun 30, 2025 | 1.12 |
| Mar 31, 2025 | 1.12 |
| Dec 31, 2024 | 1.14 |
| Sep 30, 2024 | 1.14 |
| Jun 30, 2024 | 1.14 |
| Mar 31, 2024 | 1.16 |
| Dec 31, 2023 | 1.24 |
| Sep 30, 2023 | 1.38 |
| Jun 30, 2023 | 1.52 |
| Mar 31, 2023 | 1.56 |
| Dec 31, 2022 | 1.63 |
| Sep 30, 2022 | 2.46 |
| Jun 30, 2022 | 2.82 |
| Mar 31, 2022 | 2.79 |
| Jun 30, 2021 | 1.73 |
| Mar 31, 2021 | -2.25 |