Consumer Portfolio Services (CPSS) Provisions (2010 - 2025)
Consumer Portfolio Services' (CPSS) quarterly Provisions came in at $5.4 million in Q4 2025, down 45.32% year-over-year from $9.9 million in Q4 2024, and up 859.27% quarter-over-quarter from -$712000.0 in Q3 2025.
Analysis
Consumer Portfolio Services (CPSS) Provisions (2010 - 2025) Analysis & Trends
Consumer Portfolio Services has disclosed Provisions across 16 years of filings, most recently posting $5.4 million for Q4 2025.
- In Q4 2025, Provisions fell 45.32% year-over-year to $5.4 million; the TTM figure through Dec 2025 stood at $2.9 million (down 44.71% YoY), while the FY2025 annual figure was $2.9 million, down 44.71% from the prior year.
- Provisions came in at $5.4 million for Q4 2025 at Consumer Portfolio Services, up from -$712000.0 in the prior quarter.
- In the past five years, Provisions ranged from a high of $51.5 million in Q4 2022 to a low of -$9.4 million in Q1 2022.
- Average Provisions over 5 years is $4.1 million, with a median of -$746500.0 recorded in 2025.
- Year-over-year, Provisions plunged 277.36% in 2022 and jumped 517.88% in 2024.
- Over 5 years, Provisions stood at $16.2 million in 2021, then surged by 218.29% to $51.5 million in 2022, then slumped by 96.89% to $1.6 million in 2023, then jumped by 517.88% to $9.9 million in 2024, then tumbled by 45.32% to $5.4 million in 2025.
- Per Business Quant data, the three most recent Provisions figures were $5.4 million in Q4 2025, -$712000.0 in Q3 2025, and -$781000.0 in Q2 2025.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 1.20 Bn |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 223.20 Mn |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | - |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | - |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 68.33 Mn |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | - |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 313.00 Mn |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | - |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | - |
| 10 | Consumer Portfolio Services | 201.73 Mn | 29.03 Mn | - | - |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Dec 31, 2025 | 5.41 Mn |
| Sep 30, 2025 | -712,000.00 |
| Jun 30, 2025 | -781,000.00 |
| Mar 31, 2025 | -979,000.00 |
| Dec 31, 2024 | 9.89 Mn |
| Sep 30, 2024 | -994,000.00 |
| Jun 30, 2024 | -1.95 Mn |
| Mar 31, 2024 | -1.64 Mn |
| Dec 31, 2023 | 1.60 Mn |
| Sep 30, 2023 | 2.00 Mn |
| Jun 30, 2023 | 9.70 Mn |
| Mar 31, 2023 | 9.00 Mn |
| Dec 31, 2022 | 51.50 Mn |
| Sep 30, 2022 | -6.00 Mn |
| Jun 30, 2022 | -8.00 Mn |
| Mar 31, 2022 | -9.40 Mn |
| Dec 31, 2021 | 16.18 Mn |
| Sep 30, 2021 | -1.59 Mn |
| Sep 30, 2020 | 7.40 Mn |
| Jun 30, 2020 | 3.10 Mn |