Earnings Releases·Oct 23, 2026, 2:40 PM ET

Consumer Portfolio Services — Third Quarter 2026 Earnings Summary

Q3 2026 total revenue rose 21.7% YoY to $131.9 million, while net income surged 43.3% YoY to $7.0 million, with diluted EPS increasing 50.0% to $0.30.
New loan origination volume jumped 108.5% YoY to $815.3 million in Q3, and the total owned portfolio balance reached a record $4.711 billion, marking 21 consecutive quarters of growth.
Credit performance metrics improved significantly, with total delinquencies falling to 12.29% and annualized net charge-offs decreasing to 7.26% compared to the prior year period.
The company expanded its warehouse lines of credit capacity by approximately 52% to $508 million and completed its largest securitization deal in 35-year history.
Management anticipates continued growth driven by dealership network expansion and enhanced funding efficiency, though risks remain regarding credit performance, funding availability, and economic conditions.