Consumer Portfolio Services, Inc. (CPSS) quarterly cash flow statement — complete operating, investing & financing history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Cash from Operations | 83.78M | 75.75M | 84.92M | 54.46M | 73.87M | 68M | 69.76M | 43.29M | 52.7M | 56.06M | 61.26M | 55.52M | 65.14M | 51.19M | 45.07M | 51.37M | 68.3M | 35.12M | 50.67M | 47.06M |
| Operating CF Margin % | 74.58% | 69.24% | 78.33% | 49.62% | 69.12% | 64.57% | 69.36% | 45.15% | 57.45% | 60.95% | 66.53% | 65.43% | 78.39% | 61.66% | 49.91% | 62.63% | 91.84% | 50.63% | 73.9% | 70.48% |
| Operating CF Growth % | 13.42% | 11.4% | 21.73% | 25.8% | 40.15% | 21.29% | 13.88% | -22.03% | -19.09% | 9.52% | 35.9% | 8.08% | -4.63% | 45.76% | -11.04% | 9.17% | 4.51% | -27.14% | -17.22% | -27.94% |
| Net Income | 5.54M | 4.98M | 4.85M | 4.8M | 4.69M | 5.14M | 4.8M | 4.67M | 4.59M | 7.19M | 10.38M | 13.95M | 13.82M | 14.13M | 25.41M | 25.32M | 21.11M | 18.96M | 13.68M | 9.71M |
| Depreciation & Amortization | 225K | 176K | 207K | 249K | 249K | 212K | 214K | 221K | 215K | 205K | 200K | 211K | 231K | 411K | 405K | 385K | 417K | 421K | 409K | 417K |
| Stock-Based Compensation | 0 | 808K | 501K | 644K | 0 | 589K | 727K | 809K | 832K | 830K | 817K | 905K | 912K | 1.46M | 1.45M | 728K | 790K | 735K | 530K | 327K |
| Deferred Taxes | 0 | -16K | 0 | 0 | 0 | 0 | 0 | 0 | 251K | 2.03M | 464K | 0 | 0 | 9.4M | 5M | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 73.89M | 70.6M | 69.45M | 61.02M | 64.19M | 57.02M | 53.95M | 51.73M | 46.94M | 44.42M | 43.64M | 39.53M | 40.88M | 25.93M | 19.74M | 18.71M | 21.19M | 22.29M | 33.85M | 33.91M |
| Working Capital Changes | 4.12M | -800K | 9.91M | -12.25M | 4.73M | 5.04M | 10.08M | -14.14M | -123K | 1.4M | 5.75M | 920K | 9.3M | -151K | -6.94M | 6.23M | 24.79M | -7.29M | 2.2M | 2.69M |
| Change in Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 127K | 607K | 290K | 596K | 661K | 671K | 143K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.9M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 5.02M | -3.06M | -891K | -7.36M | 5.14M | -618K | 6.23M | -12.73M | 16.58M | 1.4M | 4.92M | -2.44M | 4.4M | 16.8M | -6.43M | 5.43M | 13.34M | 0 | -221K | 0 |
| Cash from Investing | -250.68M | -97.87M | -131.42M | -166.72M | -194.11M | -232.88M | -219.02M | -209.19M | -108.63M | -83.78M | -82.69M | -71.9M | -121.16M | -147.38M | -168.13M | -258.88M | -139.52M | -65.18M | -62.92M | -11.15M |
| Capital Expenditures | -796K | 0 | 0 | -124K | -471K | -77K | -100K | -145K | -111K | -282K | -211K | -32K | -34K | -371K | -750K | -753K | -275K | -429K | -523K | -598K |
| CapEx % of Revenue | 0.71% | 0.43% | 0.43% | 0.11% | 0.44% | 0.07% | 0.1% | 0.15% | 0.12% | 0.31% | 0.23% | 0.04% | 0.04% | 0.45% | 0.83% | 0.92% | 0.37% | 0.62% | 0.76% | 0.9% |
| Acquisitions | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Investments | 0 | 3.66B | 0 | 0 | 3.45B | 0 | 0 | 0 | 0 | 0 | 2.71B | 2.66B | 2.63B | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Investing | -249.88M | -97.87M | -131.42M | -166.59M | -196.75M | -232.8M | -218.92M | -215.85M | -117.95M | -94.68M | -96.58M | -71.87M | -121.13M | -170.84M | -197.03M | -258.13M | -139.24M | -64.75M | -62.4M | -10.55M |
| Cash from Financing | 180.1M | 42.43M | 38.23M | 88.95M | 166.32M | 23.23M | 161.7M | 281.55M | 81.45M | 11.06M | 8.38M | 2.44M | 62.31M | 86.27M | 127.39M | 189.6M | 80.94M | 32.85M | -12.89M | -5.6M |
| Debt Issued (Net) | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Equity Issued (Net) | -1.24M | -2.55M | -890K | -5.14M | 246K | 88K | -1.66M | -9.47M | -1.7M | -1.16M | -652K | -11.17M | -7.29M | -4.56M | -7.25M | -20.18M | -14.1M | -21.72M | -2.38M | -827K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -1.24M | -2.55M | -981K | -5.14M | 0 | 0 | -1.66M | -9.47M | -1.7M | -1.16M | -652K | -11.17M | -7.29M | -4.56M | -7.25M | -20.18M | -14.1M | -21.72M | -2.38M | -827K |
| Other Financing | 0 | 0 | 0 | 1.51M | 0 | -1.59M | -3.69M | -2.57M | -1.19M | -1.16M | -1.76M | 6.72M | 4.89M | -1.31M | -3.92M | 5.38M | 2.83M | 1.82M | -838K | -1.47M |
| Net Change in Cash | 13.21M | 20.31M | -8.27M | -23.31M | 46.08M | -141.66M | 12.44M | 115.66M | 25.52M | -16.66M | -13.05M | -13.94M | 6.29M | -9.92M | 4.34M | -17.91M | 9.73M | 2.78M | -25.14M | 30.31M |
| Free Cash Flow | 82.98M | 75.28M | 85.39M | 54.34M | 73.4M | 67.92M | 69.66M | 43.15M | 52.59M | 55.78M | 61.05M | 55.49M | 65.11M | 50.82M | 44.32M | 50.62M | 68.03M | 34.69M | 50.15M | 46.46M |
| FCF Margin % | 73.87% | 68.81% | 78.76% | 49.5% | 68.68% | 64.5% | 69.26% | 45% | 57.33% | 60.65% | 66.3% | 65.39% | 78.35% | 61.21% | 49.08% | 61.71% | 91.47% | 50.01% | 73.14% | 69.58% |
| FCF Growth % | 13.06% | 10.84% | 22.58% | 25.94% | 39.55% | 21.76% | 14.11% | -22.24% | -19.22% | 9.77% | 37.73% | 9.62% | -4.29% | 46.49% | -11.61% | 8.95% | 4.78% | -29.2% | -17.86% | -28.45% |
| FCF per Share | 3.53 | 3.17 | 3.55 | 2.25 | 3.02 | 2.80 | 2.88 | 1.78 | 2.14 | 2.24 | 2.42 | 2.19 | 2.56 | 2.13 | 1.66 | 1.83 | 2.41 | 1.29 | 1.91 | 1.85 |
| FCF Conversion (FCF/Net Income) | 15.13x | 15.21x | 17.50x | 11.35x | 15.74x | 13.22x | 14.55x | 9.27x | 11.48x | 7.80x | 5.90x | 3.98x | 4.71x | 3.62x | 1.77x | 2.03x | 3.23x | 1.85x | 3.70x | 4.84x |
| Interest Paid | 0 | 0 | 55.72M | 55.27M | 0 | 48.61M | 46.24M | 40.95M | 42.15M | 37.39M | 35.2M | 32.95M | 29.66M | 25.4M | 20.49M | 16.43M | 14.38M | 15.54M | 17.27M | 17.41M |
| Taxes Paid | 0 | 0 | 1.42M | 0 | 0 | 2.25M | 307K | 9.22M | 29K | -837K | -250K | 4.61M | 25K | 2.21M | 9.18M | 4.8M | 0 | 5.26M | 6.04M | 0 |