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.
Powered by 
Analysis
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.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 48.38% |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 47.30% |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 15.84% |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 18.52% |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | 12.72% |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 138.65% |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 17.93% |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 12.85% |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 16.05% |
| 10 | Consumer Portfolio Services | 203.46 Mn | 30.76 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% |