Consumer Portfolio Services (CPSS) Interest Coverage Ratio (2010 - 2026)
Consumer Portfolio Services' (CPSS) quarterly Interest Coverage Ratio came in at 1.14 in Q2 2026, up 1.98% year-over-year from 1.12 in Q2 2025, and up 0.61% quarter-over-quarter from 1.13 in Q1 2026.
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Consumer Portfolio Services (CPSS) Interest Coverage Ratio (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has disclosed Interest Coverage Ratio across 17 years of filings, most recently posting 1.14 for Q2 2026.
- In Q2 2026, Interest Coverage Ratio rose 1.98% year-over-year to 1.14; the TTM figure through Jun 2026 stood at 1.13 (changed 0.03% YoY), while the FY2025 annual figure was 1.12, down 1.99% from the prior year.
- Interest Coverage Ratio came in at 1.14 for Q2 2026 at Consumer Portfolio Services, up from 1.13 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 2.82 in Q2 2022 to a low of 1.12 in Q2 2025.
- Average Interest Coverage Ratio over 5 years is 1.49, with a median of 1.15 recorded in 2024.
- Year-over-year, Interest Coverage Ratio jumped 223.67% in 2022 and sank 46.12% in 2023.
- Over 5 years, Interest Coverage Ratio stood at 1.63 in 2022, then retreated by 23.85% to 1.24 in 2023, then slipped by 8.39% to 1.14 in 2024, then fell by 1.6% to 1.12 in 2025, then climbed by 1.69% to 1.14 in 2026.
- Per Business Quant data, the three most recent Interest Coverage Ratio figures were 1.14 in Q2 2026, 1.13 in Q1 2026, and 1.12 in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Consumer Portfolio Services | 201.73 Mn | 29.03 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 |