- Consumer Portfolio Services (CPSS) has achieved **55 straight profitable quarters** since 2014 and reached an **all-time record of $3.9 billion in assets under management (AUM)**.  **[889609_tx_380336_1]**  The company is growing its portfolio at a **17% year-over-year clip** and expects revenues to exceed **$400 million** for the first time in 2025, up from **$363 million** in 2024 and **$266 million** in 2021.  **[889609_tx_380336_1]** **[889609_tx_380336_3]** 
- CPSS leverages advanced technology and AI across its operations, including a proprietary credit algorithm, AI agents for welcome calls, and AI-driven collection strategies for its **250,000 active accounts**.  **[889609_tx_380336_1]** **[889609_tx_380336_2]**  This has helped drive operating expenses (OpEx) down from 6% to below **5%**, increasing net yield by **100 basis points**.  **[889609_tx_380336_4]** 
- Despite current profitability being impacted by high interest expenses, CPSS expects its net yield to improve to over **3%** by the end of 2025, up from **1.2%** in 2024, due to reduced OpEx and better portfolio performance.  **[889609_tx_380336_3]** **[889609_tx_380336_4]**  The company's shareholder equity has reached an **all-time high of over $300 million**.  **[889609_tx_380336_4]** 
- CPSS possesses a significant "hidden asset" of **$400 million in cash** from residuals of its **16 outstanding ABS transactions**, which translates to approximately **$16-$17 per share in liquidity value**.  **[889609_tx_380336_5]**  This is notable given the company's current stock trading price of **$7.25** and book value of **$13.50**.  **[889609_tx_380336_5]**

CONSUMER PORTFOLIO SERVICES (CPSS)