| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 14,344 | 9,491 |
| Net interest income accretion on fair value receivables | 193,415 | 126,548 |
| Depreciation and amortization | 705 | 498 |
| Amortization of deferred financing costs | 9,317 | 6,021 |
| Mark to finance receivables measured at fair value | -6,500 | -6,500 |
| Provision for credit losses | 2,472 | 1,760 |
| Stock-based compensation expense | 1,862 | 1,361 |
| Deferred tax assets, net | -1,010 | -1,010 |
| Other assets | -4,682 | 6,118 |
| Accounts payable and accrued expenses | -3,114 | -2,223 |
| Net cash provided by operating activities | 213,249 | 128,328 |
| Payments received on finance receivables held for investment | -6,482 | -5,076 |
| Purchases of finance receivables measured at fair value | 1,275,701 | 882,879 |
| Payments received on finance receivables at fair value | -777,612 | -517,569 |
| Change in repossessions held in inventory | 0 | 0 |
| Purchase of furniture and equipment | 644 | 595 |
| Net cash used in investing activities | -492,251 | -360,829 |
| Proceeds from issuance of securitization trust debt | 1,280,700 | 862,370 |
| Proceeds from issuance of subordinated renewable notes | 4,013 | 3,212 |
| Payments on subordinated renewable notes | 1,913 | 873 |
| Net proceeds from (repayments of) warehouse lines of credit | -72,297 | -16,564 |
| Net proceeds from (repayment of) residual interest financing debt | -51,110 | -56,795 |
| Repayment of securitization trust debt | 957,621 | 642,697 |
| Payment of financing costs | 9,082 | 6,450 |
| Purchase of common stock | 6,119 | 5,138 |
| Exercise of options and warrants | 4,708 | 4,617 |
| Net cash provided by financing activities | 293,499 | 255,272 |
| Increase in cash and cash equivalents | 14,497 | 22,771 |
| Cash and cash equivalents at beginning of period | 137,397 | - |
| Cash and cash equivalents at end of period | 151,894 | - |
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)