Consumer Portfolio Services (CPSS) Net Margin (2010 - 2026)
Consumer Portfolio Services' (CPSS) quarterly Net Margin came in at 5.14% in Q2 2026, up 81.0% year-over-year from 2.84% in Q2 2025, and up 4.36% quarter-over-quarter from 4.92% in Q1 2026.
Analysis
Consumer Portfolio Services (CPSS) Net Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has disclosed Net Margin across 17 years of filings, most recently posting 5.14% for Q2 2026.
- In Q2 2026, Net Margin rose 81.0% year-over-year to 5.14%; the TTM figure through Jun 2026 stood at 4.78% (up 20.0% YoY), while the FY2025 annual figure was 4.45%, down 43.0% from the prior year.
- Net Margin came in at 5.14% for Q2 2026 at Consumer Portfolio Services, up from 4.92% in the prior quarter.
- In the past five years, Net Margin ranged from a high of 30.87% in Q2 2022 to a low of 4.33% in Q2 2025.
- Average Net Margin over 5 years is 11.32%, with a median of 5.05% recorded in 2024.
- Year-over-year, Net Margin surged 2024 bps in 2022 and tumbled 1687 bps in 2023.
- Over 5 years, Net Margin stood at 17.03% in 2022, then tumbled by 54 bps to 7.82% in 2023, then slumped by 37 bps to 4.89% in 2024, then decreased by 7 bps to 4.55% in 2025, then increased by 13 bps to 5.14% in 2026.
- Per Business Quant data, the three most recent Net Margin figures were 5.14% in Q2 2026, 4.92% in Q1 2026, and 4.55% in Q4 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 17.93% |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 138.65% |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 8.70% |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 23.14% |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 13.03% |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 11.31% |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 14.50% |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 0.00% |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 9.19% |
| 10 | Consumer Portfolio Services | 201.73 Mn | 29.03 Mn | - | 5.14% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 5.14% |
| Mar 31, 2026 | 4.92% |
| Dec 31, 2025 | 4.55% |
| Sep 30, 2025 | 4.46% |
| Jun 30, 2025 | 4.33% |
| Mar 31, 2025 | 4.39% |
| Dec 31, 2024 | 4.89% |
| Sep 30, 2024 | 4.72% |
| Jun 30, 2024 | 4.87% |
| Mar 31, 2024 | 4.97% |
| Dec 31, 2023 | 7.82% |
| Sep 30, 2023 | 11.27% |
| Jun 30, 2023 | 16.39% |
| Mar 31, 2023 | 16.63% |
| Dec 31, 2022 | 17.03% |
| Sep 30, 2022 | 28.14% |
| Jun 30, 2022 | 30.87% |
| Mar 31, 2022 | 28.39% |
| Jun 30, 2021 | 14.49% |
| Mar 31, 2021 | 8.15% |