Q3 2025 Consumer Portfolio Services Inc Earnings Call Transcript

Nov 11, 2025 / 06:00 PM GMT

Release Date Price: $7.95 (-8.30%)

Transcript 8-K10-Q

Key Points

Positve

Revenues for the quarter increased by 8% compared to the same quarter last year, reaching $108.4 million.
The fair value portfolio grew to $3.6 billion, yielding 11.4% net of losses.
The company successfully added a new credit line, enhancing its funding capabilities.
Origination volumes increased, with $391.1 million in new contracts for the third quarter.
The company has improved its operational efficiency, reducing core operating expenses as a percentage of the managed portfolio.

Negative

Growth was described as modest, not meeting the high expectations set for the year.
Interest expenses increased due to rising securitization debt, impacting overall expenses.
The total annualized net charge-offs increased to 8.01% from 7.32% in the same quarter last year.
Recoveries remain relatively low, with the 22 and 23 vintages dragging down overall recovery rates.
The competitive landscape is becoming more challenging with increased presence from banks and credit unions.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CPSS.OQ - Consumer Portfolio Services Inc
Q3 2025 Consumer Portfolio Services Inc Earnings Call
Nov 11, 2025 / 06:00PM GMT

=====================
Presentation
--------------------------------------------------------------------------------
Unidentified_1 [1]
--------------------------------------------------------------------------------
Good day everyone and welcome to the Consumer Portfolio Services 20,253 quarter operating results conference call. Today's call is being recorded. Before we begin, management has asked me to inform you that this conference call may contain forward-looking statements. Any statements made during this call that are not statements of historical facts may be deemed forward-looking statements.

Statements regarding current or historical valuation of receivables because depend on estimates of future events also are forward-looking statements. All such forward-looking statements are subject to risk that could cause actual results to differ materially from those projected.

I refer you to the company's

Already have an account? Log in

Get the full story

Subscribe Now

	Access to All Earning Calls and Stock Analysis
	30-Year Financial on one screen
	All-in-one Stock Screener with unlimited filters
	Customizable Stock Dashboard
	Real Time Insider Trading Transactions
	8,000+ Institutional investors’ 13F holdings
	Powerful Excel Add-in and Google sheets Add-on
	All data downloadable
	Quick customer support
	And much more...

30-Day 100% money back guarantee

Subscription fee may be tax deductible.

Excellent

4.6 out of 5

Trustpilot

Research Tools

All-In-One Screener Stock Ideas Stock List Guru List Guru Real-Time Picks Insider List Insider Trades Economic Indicators Sector & Industry Performance DCF Calculator Calculators Discussion Board

Product

Pricing Plans Excel Add-In Google Sheets Add-on Data API Stock Comparison Table Manual of Stocks Instant Alerts Mobile App Newsletters Signup 中文

Education

Financial Glossary Tutorials FAQ Buffett Indicator Shiller P/E Yield Curve Today U.S. Inflation Rate Global Market Valuation Fed Net Liquidity Buffett Assets Allocation

Company

About GuruFocus Career Contact Us Advertise Term of Use Privacy Policy Referral Program Partner Program

Survey

We'd love to learn more about your experiences on GuruFocus.com and how we can improve!

Take Survey

Disclaimers

GuruFocus.com is not operated by a broker or a dealer. Under no circumstances does any information posted on GuruFocus.com represent a recommendation to buy or sell a security. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The individuals or entities selected as "gurus" may buy and sell securities before and after any particular article and report and information herein is published, with respect to the securities discussed in any article and report posted herein. Gurus may be added or dropped from the GuruFocus site at any time. In no event shall GuruFocus.com be liable to any member, guest or third party for any damages of any kind arising out of the use of any content or other material published or available on GuruFocus.com, or relating to the use of, or inability to use, GuruFocus.com or any content, including, without limitation, any investment losses, lost profits, lost opportunity, special, incidental, indirect, consequential or punitive damages. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute investment advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. The gurus listed in this website are not affiliated with GuruFocus.com, LLC. Stock quotes are provided by QuoteMedia, Inc. (CSI). Company fundamental data is provided by Morningstar. Analyst estimates data is sourced from both Refinitiv and Morningstar, with priority given to Refinitiv data. Data is updated daily.