Consumer Portfolio Services, Inc. Q4 2025 Earnings Call Summary [Yahoo! Finance]
Consumer Portfolio Services, Inc. (CPSS)
Last consumer portfolio services, inc. earnings: 4/15 05:21 pm
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US:NASDAQ Investor Relations:
ir.consumerportfolio.com/investor-relations
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Source: Yahoo! Finance
Consumer Portfolio Services, Inc. Q4 2025 Earnings Call Summary - Moby Strategic Performance and Operational Context Performance in 2025 was characterized by a focus on credit quality and margin preservation over aggressive volume growth, resulting in a nearly $4 billion portfolio. Management attributed the year's stability to the rapid runoff of underperforming 2022 and 2023 loan vintages, which represented nearly 40% of the portfolio at the start of 2025 and are expected to continue decreasing until they are de minimis by the end of 2026. Operational efficiency improved as core operating expenses as a percentage of the managed portfolio decreased from 5.6% to 4.8% year-over-year. The company implemented the Generation 9 credit scoring model, utilizing AI and machine learning to increase approval rates by 11% while maintaining flat capture rates. Strategic positioning was bolstered by a new $150 million warehouse line with Capital One and a $900 million prime forward flo
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News
- Consumer Portfolio Services Inc (CPSS) Q4 2025 Earnings Call Highlights: Strategic Growth ... [Yahoo! Finance]Yahoo! Finance
- Consumer Portfolio Services, Inc. (CPSS) Q4 2025 Earnings Call Prepared Remarks Transcript [Seeking Alpha]Seeking Alpha
- Consumer Portfolio Services GAAP EPS of $0.21 misses by $0.02, revenue of $109.4M misses by $1.24M [Seeking Alpha]Seeking Alpha
- CPS Announces Fourth Quarter and Full Year 2025 Earnings [Yahoo! Finance]Yahoo! Finance
- CPS Announces Fourth Quarter and Full Year 2025 EarningsGlobeNewswire
CPSS
Earnings
- 3/10/26 - Miss
CPSS
Sec Filings
- 3/17/26 - Form 4
- 3/16/26 - Form 10-K
- 3/16/26 - Form 144
- CPSS's page on the SEC website