For the year ending 2025-12-31, CPSS had $34,810K increase in cash & cash equivalents over the period. $288,292K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 19,325 |
| Net interest income accretion on fair value receivables | 261,221 |
| Depreciation and amortization | 881 |
| Amortization of deferred financing costs | 12,576 |
| Mark to fair value of finance receivables measured at fair value | -6,500 |
| Provision for credit losses | 2,934 |
| Stock-based compensation expense | 2,670 |
| Other assets | -6,940 |
| Deferred tax assets, net | -994 |
| Accounts payable and accrued expenses | -6,172 |
| Net cash provided by operating activities | 289,001 |
| Payments received on finance receivables held for investment | 7,401 |
| Purchases of finance receivables measured at fair value | 1,639,044 |
| Payments on receivables portfolio at fair value | 1,042,235 |
| Change in repossessions held in inventory | 0 |
| Purchase of furniture and equipment | 709 |
| Net cash (used in) investing activities | -590,117 |
| Proceeds from issuance of securitization trust debt | 1,665,300 |
| Proceeds from issuance of subordinated renewable notes | 4,658 |
| Payments on subordinated renewable notes | 2,161 |
| Net advances (repayments) of warehouse lines of credit | -87,991 |
| Proceeds from issuance of residual interest financing debt | 65,000 |
| Repayment of residual interest financing debt | 20,493 |
| Repayment of securitization trust debt | 1,271,962 |
| Payment of financing costs | 12,461 |
| Purchase of common stock | 8,672 |
| Exercise of options and warrants | 4,708 |
| Net cash provided by financing activities | 335,926 |
| Increase (decrease) in cash and cash equivalents | 34,810 |
| Cash and cash equivalents at beginning of year | 137,397 |
| Cash and cash equivalents at end of year | 172,207 |
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)