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.
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.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 35.45 |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 25.63 |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 1.53 |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 1.46 |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 2.22 |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 0.78 |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | -3.03 |
| 10 | Consumer Portfolio Services | 207.10 Mn | 200.16 Mn | - | 1.13 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | 1.33 |
| Dec 31, 2022 | 1.51 |
| Sep 30, 2022 | 2.18 |
| Jun 30, 2022 | 1.59 |
| Mar 31, 2022 | 1.46 |
| Jun 30, 2021 | 1.51 |
| Mar 31, 2021 | -2.25 |
| Dec 31, 2020 | -2.36 |