For the quarter ending 2026-03-31, CPSS had $13,206K increase in cash & cash equivalents over the period. $82,985K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 5,539 | 4,981 | 4,853 | 9,491 |
| Net interest income accretion on fair value receivables | 69,947 | 67,806 | 66,867 | 126,548 |
| Depreciation and amortization | 225 | 176 | 207 | 498 |
| Amortization of deferred financing costs | 3,436 | 3,259 | 3,296 | 6,021 |
| Mark to finance receivables measured at fair value | 0 | 0 | 0 | -6,500 |
| Provision for credit losses | 0 | 462 | 712 | 1,760 |
| Stock-based compensation expense | 512 | 808 | 501 | 1,361 |
| Deferred tax assets, net | 0 | 16 | 0 | -1,010 |
| Other assets | 895 | -2,258 | -10,800 | 6,118 |
| Accounts payable and accrued expenses | 5,017 | -3,058 | -891 | -2,223 |
| Net cash provided by operating activities | 83,781 | 75,752 | 84,921 | 128,328 |
| Payments received on finance receivables held for investment | 0 | 13,883 | -1,406 | -5,076 |
| Purchases of finance receivables measured at fair value | 524,900 | 363,343 | 392,822 | 882,879 |
| Payments received on finance receivables at fair value | 275,019 | 1,819,847 | -260,043 | -517,569 |
| Change in repossessions held in inventory | - | 0 | 0 | 0 |
| Purchase of furniture and equipment | 796 | 65 | 49 | 595 |
| Net cash used in investing activities | -250,677 | -97,866 | -131,422 | -360,829 |
| Proceeds from issuance of securitization trust debt | 345,610 | 384,600 | 418,330 | 862,370 |
| Proceeds from issuance of subordinated renewable notes | 270 | 645 | 801 | 3,212 |
| Payments on subordinated renewable notes | 1,748 | 248 | 1,040 | 873 |
| Net proceeds from (repayments of) warehouse lines of credit | 141,499 | -15,694 | -55,733 | -16,564 |
| Proceeds from issuance of residual interest financing debt | 50,000 | 65,000 | - | - |
| Repayment of residual interest financing debt | 11,015 | 71,603 | 5,685 | -56,795 |
| Repayment of securitization trust debt | 340,193 | 314,341 | 314,924 | 642,697 |
| Payment of financing costs | 3,086 | 3,379 | 2,632 | 6,450 |
| Purchase of common stock | 1,235 | 2,553 | 981 | 5,138 |
| Exercise of options and warrants | 0 | 0 | 91 | 4,617 |
| Net cash provided by financing activities | 180,102 | 42,427 | 38,227 | 255,272 |
| Increase in cash and cash equivalents | 13,206 | 20,313 | -8,274 | 22,771 |
| Cash and restricted cash at beginning of period | 172,207 | 151,894 | 137,397 | - |
| Cash and restricted cash at end of period | 185,413 | 172,207 | 151,894 | - |
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)