Strong operating momentum from record originations and improving credit metrics supports continued earnings growth. Monitor net interest margin trends and securitization costs in upcoming quarters for signs of margin compression.
Price Chart
Executive Summary
Consumer Portfolio Services reported strong Q2 2026 results with revenue of $121.4M (+10.6% YoY), EPS of $0.27 (+35% YoY), and net income of $6.2M (+30% YoY). Record loan originations of $757.7M, a 75% increase YoY, drove growth while credit quality improved (delinquencies down to 12.16% from 13.14%). The portfolio balance exceeded $4.3B.
Key Financial Metrics
Key Facts
- Revenue $121.4M, up 10.6% YoY
- Diluted EPS $0.27, up 35% YoY
- Net income $6.2M, up 30% YoY
- New contract purchases $757.7M, up 75% YoY
- Portfolio balance $4.31B as of June 30, 2026
- Total delinquencies improved to 12.16% from 13.14%
- Annualized net charge-offs improved to 7.28% from 7.45%
Financial Impact
Revenue growth of $11.6M YoY, EPS growth of $0.07 per share, net income increase of $1.4M
Risk Factors
- Subprime auto loan sensitivity to economic downturn or rising unemployment
- Rising interest rates increasing funding costs and compressing net interest margin
- Potential increase in delinquencies if consumer credit conditions weaken
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3338846 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | 8-K | $9.90 $9.30 | ▼ −6.06% | ▼ −6.77% | $9.49 (−4.14%) |
Oct 22, 2026 4d ago | Press Release | $9.90 $9.30 | ▼ −6.06% | ▼ −6.77% | $9.49 (−4.14%) |
Oct 22, 2026 5d ago | Press Release | $9.25 $9.90 | ▲ +7.03% | ▲ +7.55% | $9.49 (+2.59%) |
Oct 21, 2026 5d ago | 8-K | $9.25 $9.90 | ▲ +7.03% | ▲ +7.55% | $9.49 (+2.59%) |
Oct 19, 2026 8d ago | Court Ruling | $8.97 $8.97 | · 0.00% | ▼ −0.53% | $9.49 (+5.80%) |
Oct 13, 2026 13d ago | 8-K | $9.07 $9.17 | ▲ +1.10% | ▲ +0.82% | $9.49 (+4.63%) |
Sep 30, 2026 26d ago | DEF 14A | $9.33 $9.09 | ▼ −2.57% | ▼ −3.31% | $9.49 (+1.71%) |
Sep 3, 2026 7w ago | Insider Cluster | $8.81 $9.40 | ▼ −6.70% | ▼ −7.08% | $9.49 (−7.72%) |
Aug 21, 2026 9w ago | 8-K | $9.30 $9.16 | ▼ −1.51% | ▼ −1.21% | $9.49 (+2.04%) |
Aug 4, 2026 11w ago | Press Release | $9.18 $9.57 | ▲ +4.25% | ▲ +4.41% | $9.49 (+3.38%) |
US Market Status
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