Consumer Portfolio Services Ratios (2010-2026) | CPSS

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
Gross Margin (Quarter)	93.71%	93.75%	93.66%	92.76%	92.88%	93.40%	92.95%	93.11%	93.56%	94.21%	94.89%	94.69%	93.86%	94.31%	94.04%	94.47%	94.79%	94.76%	94.98%	94.17%
EBT Margin (Quarter)	20.78%	-4.48%	4.32%	39.44%	41.72%	38.03%	22.05%	22.18%	21.92%	15.44%	10.70%	7.15%	6.96%	6.81%	6.98%	6.36%	6.33%	6.49%	6.60%	7.15%
EBIT Margin (Quarter)	14.49%	22.25%	28.80%	32.19%	34.60%	31.43%	15.00%	15.29%	15.49%	9.65%	5.59%	1.84%	0.82%	1.12%	1.02%	0.83%	1.12%	1.25%	1.58%	1.31%
EBITDA Margin (Quarter)	14.49%	22.25%	28.80%	32.19%	34.60%	31.43%	15.00%	15.29%	15.49%	9.65%	5.59%	1.84%	0.82%	1.12%	1.02%	0.83%	1.12%	1.25%	1.58%	1.31%
Operating Margin (Quarter)	14.49%	22.25%	28.80%	32.19%	34.60%	31.43%	15.00%	15.29%	15.49%	9.65%	5.59%	1.84%	0.82%	1.12%	1.02%	0.83%	1.12%	1.25%	1.58%	1.31%
Net Margin (Quarter)	14.49%	-13.04%	-3.48%	28.41%	30.87%	28.18%	16.98%	16.64%	16.39%	11.31%	14.36%	4.97%	4.87%	4.77%	6.83%	4.39%	4.37%	4.46%	4.55%	4.92%
FCF Margin (Quarter)	-348.37%	-378.72%	50.01%	-437.17%	-560.48%	-401.07%	-1,951.58%	78.35%	-294.53%	-259.87%	1,102.55%	-301.04%	-397.97%	-370.22%	-1,504.88%	68.68%	-345.12%	-283.99%	1,234.57%	-392.69%
Efficiency
Assets Average (Quarter)	2,099.77M	2,105.17M	2,133.09M	2,218.56M	2,389.01M	2,575.50M	2,701.65M	2,794.70M	2,845.25M	2,867.36M	2,892.30M	2,955.14M	3,146.53M	3,374.62M	3,478.28M	3,583.74M	3,718.70M	3,786.78M	3,833.98M	3,955.50M
Equity Average (Quarter)			165.80M	84.29M	80.67M	190.57M	223.29M	128.94M	129.89M	248.09M	270.28M	136.40M	-1.87M	141.61M			162.49M	167.06M	308.55M	311.94M
Invested Capital (Quarter)		161.39M	170.21M	-1.62M	162.97M	218.18M	228.39M	29.48M	230.29M	265.90M	274.67M	-1.87M	-1.87M	285.09M		298.43M	26.56M	307.56M	309.54M	314.35M
Asset Utilization Ratio (Quarter)	0.13	0.12	0.13	0.13	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.12	0.11	0.11	0.11	0.11	0.11	0.11	0.11
Leverage & Solvency
Interest Coverage Ratio (Quarter)	0.51	0.83	1.18	1.46	1.51	1.21	0.43	0.39	0.37	0.23	0.13	0.04	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.02
Debt to Equity (Quarter)		0.17	0.16	-16.50	0.17	0.12	0.11	0.80	0.09	0.07	0.06	-11.86	-11.97	0.09		0.09	1.09	0.09	0.09	0.09
Debt Ratio (Quarter)	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Equity Ratio (Quarter)		0.08	0.08	0.00	0.07	0.08	0.08	0.01	0.08	0.09	0.09	0.00	0.00	0.08		0.08	0.01	0.08	0.08	0.08
Times Interest Earned (Quarter)	0.51	0.83	1.18	1.46	1.51	1.21	0.43	0.39	0.37	0.23	0.13	0.04	0.02	0.02	0.02	0.02	0.02	0.02	0.03	0.02
Valuation
Enterprise Value (Quarter)	-43.13M	-28.80M	-29.93M	-21.73M	-11.35M	-12.94M	-13.49M	-10.19M	-7.08M	-8.31M	-6.17M	-13.25M	-9.75M	-8.07M	-11.71M	-29.84M	-15.77M	-9.39M	-6.32M	-6.94M
Return Ratios
Return on Sales (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Invested Capital (Quarter)			0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	-0.08%	0.00%			0.00%	0.00%	0.00%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)			0.00%	0.00%	0.00%	0.00%	0.00%	0.01%	0.01%	0.00%	0.00%	0.00%	-0.18%	0.00%			0.00%	0.00%	0.00%	0.00%

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Consumer Portfolio Services Ratios (2010-2026) | CPSS

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