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Cash Flow Overview

Change in Cash
-$5,209K
Free Cash flow
$105,918K
Unit: Thousand (K) dollars
Positive Cash Flow Breakdown
    • Proceeds from issuance of securi...
    • Payments received on finance rec...
    • Net proceeds from (repayments of...
    • Others
Negative Cash Flow Breakdown
    • Purchases of finance receivables...
    • Repayment of securitization trus...
    • Repayment ofresidual interest fi...
    • Others
Cash Flow
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Net income
6,234
5,539
4,981
4,853
Net interest income accretion on fair value receivables
69,738
69,947
67,806
66,867
Depreciation and amortization
249
225
176
207
Amortization of deferred financing costs
3,184
3,436
3,259
3,296
Mark to finance receivables measured at fair value
0
0
0
0
Provision for credit losses
0
0
462
712
Stock-based compensation expense
578
512
808
501
Deferred tax assets, net
-
0
16
0
Other assets
-1,670
895
-2,258
-10,800
Accounts payable and accrued expenses
24,437
5,017
-3,058
-891
Net cash provided by operating activities
106,090
83,781
75,752
84,921
Payments received on finance receivables held for investment
0
0
13,883
-6,482
Purchases of finance receivables measured at fair value
741,736
524,900
363,343
392,822
Payments received on finance receivables at fair value
295,620
275,019
1,819,847
-777,612
Change in repossessions held in inventory
-
-
0
0
Purchase of furniture and equipment
172
796
65
49
Net cash used in investing activities
-446,288
-250,677
-97,866
-131,422
Proceeds from issuance of securitization trust debt
514,070
345,610
384,600
418,330
Proceeds from issuance of subordinated renewable notes
862
270
645
801
Payments on subordinated renewable notes
-91
1,748
248
1,040
Net proceeds from (repayments of) warehouse lines of credit
212,917
141,499
-15,694
-55,733
Proceeds from issuance of residual interest financing debt
0
50,000
65,000
-
Repayment ofresidual interest financing debt
12,723
11,015
71,603
5,685
Repayment of securitization trust debt
374,857
340,193
314,341
314,924
Payment of financing costs
3,455
3,086
3,379
2,632
Purchase of common stock
2,459
1,235
2,553
981
Exercise of options and warrants
543
0
0
91
Net cash provided by financing activities
334,989
180,102
42,427
38,227
Increase in cash and cash equivalents
-5,209
13,206
20,313
-8,274
Cash and restricted cash at beginning of period
185,413
172,207
151,894
137,397
Cash and restricted cash at end of period
180,204
185,413
172,207
151,894
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

Time Plot

Show the time plot by selecting a row from the table.

Cash Flow

Proceeds from issuance ofsecuritization trust debt$514,070K (-40.39%↓ Y/Y)Net interest incomeaccretion on fair value...$69,738K (-44.89%↓ Y/Y)Accounts payable andaccrued expenses$24,437K (1199.28%↑ Y/Y)Net income$6,234K (-34.32%↓ Y/Y)Amortization of deferredfinancing costs$3,184K (-47.12%↓ Y/Y)Other assets-$1,670K (-127.30%↓ Y/Y)Stock-based compensationexpense$578K (-57.53%↓ Y/Y)Depreciation andamortization$249K (-50.00%↓ Y/Y)Net proceeds from(repayments of) warehouse...$212,917K (1385.42%↑ Y/Y)Proceeds from issuance ofsubordinated renewable notes$862K (-73.16%↓ Y/Y)Exercise of options andwarrants$543K (-88.24%↓ Y/Y)Payments on subordinatedrenewable notes-$91K (-110.42%↓ Y/Y)Net cash provided byfinancing activities$334,989K (31.23%↑ Y/Y)Net cash provided byoperating activities$106,090K (-17.33%↓ Y/Y)Canceled cashflow$393,494K Increase in cash and cashequivalents-$5,209K (-122.88%↓ Y/Y)Canceled cashflow$441,079K Payments received onfinance receivables at...$295,620K (157.12%↑ Y/Y)Repayment ofsecuritization trust debt$374,857K (-41.67%↓ Y/Y)Repayment ofresidualinterest financing debt$12,723K (122.40%↑ Y/Y)Payment of financingcosts$3,455K (-46.43%↓ Y/Y)Purchase of common stock$2,459K (-52.14%↓ Y/Y)Net cash used ininvesting activities-$446,288K (-23.68%↓ Y/Y)Canceled cashflow$295,620K Purchases of financereceivables measured at fair...$741,736K (-15.99%↓ Y/Y)Purchase of furniture andequipment$172K (-71.09%↓ Y/Y)

CONSUMER PORTFOLIO SERVICES, INC. (CPSS)

CONSUMER PORTFOLIO SERVICES, INC. (CPSS)