Consumer Portfolio Services (CPSS) Operating Margin (2010 - 2026)

Consumer Portfolio Services' (CPSS) quarterly Operating Margin came in at 1.31% in Q1 2026, up 48.0% year-on-year from 0.89% in Q1 2025, and down 16.9% quarter-over-quarter from 1.58% in Q4 2025.

Consumer Portfolio Services (CPSS) Operating Margin (2010 - 2026) Analysis & Trends

Consumer Portfolio Services has disclosed Operating Margin across 17 years of filings, most recently posting 1.31% for Q1 2026.

  • Operating Margin for Q1 2026 came in at 1.31%, up 48.0% year-over-year; the trailing twelve-month figure through Mar 2026 was 1.32% (up 37.0% YoY), and the FY2025 annual result was 1.35%, down 11.0% from the prior year.
  • Operating Margin came in at 1.31% for Q1 2026 at Consumer Portfolio Services, down from 1.58% in the prior quarter.
  • In the past five years, Operating Margin ranged from a high of 34.6% in Q2 2022 to a low of 0.82% in Q2 2024.
  • The 5-year median for Operating Margin is 1.84% (2024), against an average of 10.01%.
  • Across the five-year window, Operating Margin soared 2592 bps in 2022 and sank 2178 bps in 2023, its largest moves.
  • Consumer Portfolio Services' Operating Margin stood at 15.0% in 2022, then sank by 63 bps to 5.59% in 2023, then tumbled by 82 bps to 1.02% in 2024, then jumped by 55 bps to 1.58% in 2025, then slipped by 17 bps to 1.31% in 2026.
  • The last three Operating Margin figures came in at 1.31% (Q1 2026), 1.58% (Q4 2025), and 1.25% (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Operating Margin (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 64.42%
2 Mastercard 437.55 Bn 427.34 Bn - 58.43%
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 18.77%
4 Capital One Financial 112.47 Bn 35.97 Bn - -
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 17.81%
6 Synchrony Financial 24.26 Bn 3.70 Bn - -
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 26.44%
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 3.39%
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 35.49%
10 Consumer Portfolio Services 205.36 Mn 198.41 Mn 105.78 Mn 1.31%

Historic Data

Download Data
DateValue
Mar 31, 2026 1.31%
Dec 31, 2025 1.58%
Sep 30, 2025 1.25%
Jun 30, 2025 1.12%
Mar 31, 2025 0.83%
Dec 31, 2024 1.02%
Sep 30, 2024 1.12%
Jun 30, 2024 0.82%
Mar 31, 2024 1.84%
Dec 31, 2023 5.59%
Sep 30, 2023 9.65%
Jun 30, 2023 15.49%
Mar 31, 2023 15.29%
Dec 31, 2022 15.00%
Sep 30, 2022 31.43%
Jun 30, 2022 34.60%
Mar 31, 2022 32.19%
Dec 31, 2021 28.80%
Sep 30, 2021 22.25%
Jun 30, 2021 14.49%