Consumer Portfolio Services (CPSS) Net Margin (2010 - 2026)
Consumer Portfolio Services (CPSS) posted Net Margin of 4.92% for Q1 2026, up 8.09% sequentially from 4.55% 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 (CPSS) has 17 years of Net Margin data on file, last reported at 4.92% in Q1 2026.
- Quarterly Net Margin rose 53.0% year-over-year to 4.92% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 4.58% (down 65.0% YoY) and the FY2025 annual result came in at 4.45%, down 95.0% from the prior year.
- Net Margin grew to 4.92% in Q1 2026 per CPSS's latest filing, from 4.55% in the prior quarter.
- The five-year high for Net Margin was 30.87% in Q2 2022, with the low at 4.37% in Q2 2025.
- Average Net Margin over 5 years is 12.19%, with a median of 6.83% recorded in 2024.
- Year-over-year, Net Margin surged 4121 bps in 2022 and sank 1686 bps in 2023.
- Consumer Portfolio Services' Net Margin stood at 16.98% in 2022, then slipped by 15 bps to 14.36% in 2023, then plunged by 52 bps to 6.83% in 2024, then slumped by 33 bps to 4.55% in 2025, then grew by 8 bps to 4.92% in 2026.
- Business Quant data shows CPSS's Net Margin at 4.92% in Q1 2026, 4.55% in Q4 2025, and 4.46% in Q3 2025.
Powered by 
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Consumer Portfolio Services | 209.49 Mn | 202.55 Mn | 105.78 Mn | 4.92% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 4.92% |
| Dec 31, 2025 | 4.55% |
| Sep 30, 2025 | 4.46% |
| Jun 30, 2025 | 4.37% |
| Mar 31, 2025 | 4.39% |
| Dec 31, 2024 | 6.83% |
| Sep 30, 2024 | 4.77% |
| Jun 30, 2024 | 4.87% |
| Mar 31, 2024 | 4.97% |
| Dec 31, 2023 | 14.36% |
| Sep 30, 2023 | 11.31% |
| Jun 30, 2023 | 16.39% |
| Mar 31, 2023 | 16.64% |
| Dec 31, 2022 | 16.98% |
| Sep 30, 2022 | 28.18% |
| Jun 30, 2022 | 30.87% |
| Mar 31, 2022 | 28.41% |
| Dec 31, 2021 | -3.48% |
| Sep 30, 2021 | -13.04% |
| Jun 30, 2021 | 14.49% |