Consumer Portfolio Services (CPSS) Net Margin (2010 - 2026)
Consumer Portfolio Services (CPSS) posted Net Margin of 4.93% for Q1 2026, down 30.26% sequentially from 7.07% in Q4 2025, and up 53.0% YoY from 3.22% in Q1 2025.
Consumer Portfolio Services (CPSS) Net Margin (2010 - 2026) Analysis & Trends
Consumer Portfolio Services has reported Net Margin for 17 years, with the latest figure at 4.93% in Q1 2026.
- Quarterly Net Margin rose 53.0% year-over-year to 4.93% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 5.21% (down 1.0% YoY) and the FY2025 annual result came in at 5.09%, down 31.0% from the prior year.
- Net Margin declined to 4.93% in Q1 2026 per CPSS's latest filing, from 7.07% in the prior quarter.
- Over five years, Net Margin peaked at 45.63% in Q4 2022 and troughed at 4.37% in Q2 2025.
- A 5-year average of 13.83% and a median of 7.07% in 2025 frame the typical range for Net Margin.
- The sharpest annual moves came in 2022 and 2023: Net Margin surged 2026 bps in 2022, then plunged 3463 bps in 2023.
- Over 5 years, Net Margin stood at 45.63% in 2022, then slumped by 76 bps to 11.0% in 2023, then tumbled by 38 bps to 6.83% in 2024, then gained by 4 bps to 7.07% in 2025, then slumped by 30 bps to 4.93% in 2026.
- According to Business Quant data, Net Margin over the past three periods registered 4.93%, 7.07%, and 4.48% for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 618.21 Bn | 605.85 Bn | - | 48.38% |
| 2 | Mastercard | 506.53 Bn | 493.04 Bn | - | 47.30% |
| 3 | American Express | 232.32 Bn | 183.00 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 136.19 Bn | 81.48 Bn | - | 23.28% |
| 5 | PayPal Holdings | 52.34 Bn | 41.08 Bn | - | 12.72% |
| 6 | Eason Technology | 35.89 Bn | 35.89 Bn | - | - |
| 7 | Synchrony Financial | 26.09 Bn | 9.90 Bn | - | 17.93% |
| 8 | Affirm Holdings | 25.93 Bn | 24.20 Bn | - | 9.91% |
| 9 | SoFi Technologies | 23.04 Bn | 22.68 Bn | -41.62 Mn | 128.75% |
| 10 | Consumer Portfolio Services | 207.10 Mn | 200.16 Mn | - | 4.93% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 4.93% |
| Dec 31, 2025 | 7.07% |
| Sep 30, 2025 | 4.48% |
| Jun 30, 2025 | 4.37% |
| Mar 31, 2025 | 4.40% |
| Dec 31, 2024 | 6.83% |
| Sep 30, 2024 | 4.72% |
| Jun 30, 2024 | 4.87% |
| Mar 31, 2024 | 5.00% |
| Dec 31, 2023 | 11.00% |
| Sep 30, 2023 | 11.27% |
| Jun 30, 2023 | 16.39% |
| Mar 31, 2023 | 16.64% |
| Dec 31, 2022 | 45.63% |
| Sep 30, 2022 | 28.14% |
| Jun 30, 2022 | 30.87% |
| Mar 31, 2022 | 28.41% |
| Jun 30, 2021 | 14.49% |
| Mar 31, 2021 | 8.15% |
| Dec 31, 2020 | -2.62% |