EarningsQ2 2026 Earnings Report
DE:FC8 Q2 2026 EPS Results
Actual EPS€0.24
Consensus EPS―
Beat/Miss―
One Year Ago EPS€0.18
DE:FC8 Q2 2026 Revenue Results
Actual Revenue€108.08M
Expected Revenue―
Beat/Miss―
YoY Revenue Growth+13.70%
Earnings Announcement Details
QuarterQ2 2026
Date08/04/2026
TimeAfter Close
Conference CallTuesday, August 4, 2026
DE:FC8 Upcoming Earnings
Consumer Portfolio Services's next earnings date is estimated for November 5, 2026, based on past reporting schedules.
Q2 2026 Earnings Call Audio
DE:FC8 Q2 2026 Earnings Call
0:00 / 0:00
Q2 2026 Earnings Slide Deck
No slide deck is available for this earnings event.
Q2 2026 Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented a largely positive operational and financial picture: strong, sustained originations growth (QoQ and YoY), rising revenues, improved profitability and portfolio growth, plus meaningful improvements in several credit metrics and record equity/cash positions. Management maintained disciplined underwriting while expanding sales and dealer networks, and they increased securitization/warehouse capacity. Key risks are higher funding costs (interest and securitization rates), ongoing elevated delinquencies/charge-offs (albeit improving), and recoveries that remain below historical targets. On balance, the positives — robust originations, revenue and earnings growth, portfolio expansion, and improving credit trends — outweigh the listed challenges.Company Guidance
Originations Surge
Quarterly originations of ~$757–758M (Q2 2026) with quarter-over-quarter originations up over 40% and year-over-year Q2 originations up ~75% versus $433M in Q2 2025; 6-month originations of ~$1.3B (up ~47% vs prior-year 6 months).
Revenue Growth
Q2 2026 revenue $121.4M, up 11% versus $109.8M in Q2 2025; first 6 months revenue $233.7M, up 8% versus $216.6M prior-year.
Profitability Improvements (Pretax, Net Income, EPS)
Q2 pretax earnings $9.0M (up 29% YoY); Q2 net income $6.2M (up 30% YoY). Diluted EPS $0.27 vs $0.20 in Q2 2025 (≈+35%). Six-month pretax earnings $17.1M (+24% YoY) and six-month net income $11.8M (+24% YoY).
Portfolio Size and Yield
Fair value portfolio $4.2B, up 18% versus $3.56B a year ago, yielding 11.3% net of credit losses.
Sales Force, Dealer Network and Applications Expansion
Sales reps increased from 93 (end of 2025) to 149 (end of Q2 2026) (≈+60% YTD); added 1,345 new/reactivated dealers in Q2 for a total of 11,889 active dealers (≈+13% vs Q1 2026 and ≈+84% vs Q2 2025). Applications rose to 1.1M in Q2 2026 vs 777K in Q2 2025 (≈+42%).
Credit Underwriting Discipline Maintained
Approval rate remained roughly 51% despite strong application growth; payment-to-income and debt-to-income ratios remained flat, indicating a continued tight credit box while growing volumes.
Improving Credit Performance Metrics
Total >30-day delinquency improved to 12.16% in Q2 2026 from 13.14% in Q2 2025 (down ~0.98 percentage points). Net charge-offs decreased to 7.28% from 7.45% (down ~0.17 pts). Recoveries increased to 33.3% from 30.4% YoY (up ~2.9 pts), with newer vintages showing stronger recovery rates (2024: 37.5%, 2025: 47.1%).
Liquidity, Capital and Securitization Capacity
Restricted and unrestricted cash $180.2M (up 12% YoY); shareholders' equity a record $319.2M (up 5% YoY). Warehousing capacity now over $900M and the company completed its largest securitization ever.
Operational Efficiency Trends
Net interest margin increased to $53.9M (up 15% YoY). Core operating expenses for 6 months rose only 3% YoY to $92.3M, and core operating expense as a percentage of the managed portfolio improved to 4.6% from 4.8% YoY.
DE:FC8 Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed