Consumer Portfolio Services, Inc. (Nasdaq: CPSS) reported earnings of $4.9 million, or $0.20 per diluted share for Q3 2025, up from $4.8 million in Q3 2024. Revenues rose to $108.4 million, a 7.8% increase from the prior year. Pretax income increased to $7.0 million. New contract purchases totaled $391.1 million.

For the nine months ended September 30, 2025, total revenues were $325.1 million, a 12.8% increase from the same period in 2024. Total operating expenses were $304.3 million. Pretax income was $20.8 million, with net income totaling $14.3 million. The company purchased $1.275 billion of new contracts during this period.

Annualized net charge-offs for Q3 2025 were 8.01% of the average portfolio, up from 7.32% in Q3 2024. Delinquencies over 30 days were 13.96% of the total portfolio. CEO Charles E. Bradley expressed satisfaction with the quarter’s results, citing strong loan origination volumes driving revenue growth and operational efficiencies.

CPS will hold a conference call on November 11, 2025, at 1:00 p.m. ET to discuss its Q3 2025 operating results. Interested parties can pre-register for the call via the provided link. The company specializes in providing indirect automobile financing to individuals with past credit issues or limited credit histories. Forward-looking statements in the news release highlight various factors that may impact future financial performance.

Read more at GlobeNewswire: CPS Announces Third Quarter 2025 Earnings