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CPSS • CIK 0000889609
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Interest and Fee Income, Loans, Consumer | $329,219 | $363,962 | $422,698 | $442,236 |
| Other Operating Income | $10,795 | $8,544 | $5,272 | $9,319 |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $61,097 | $27,431 | $28,003 | $31,312 |
| Revenues | $352,014 | $393,506 | $434,470 | $451,555 |
| Income Tax Expense (Benefit) | $15,754 | $8,228 | $8,678 | $9,705 |
| Net Income (Loss) Attributable to Parent | $45,343 | $19,203 | $19,325 | $21,607 |
| Salary and Wage, NonOfficer, Excluding Cost of Good and Service Sold | $88,148 | $96,192 | $95,369 | $92,438 |
| General and Administrative Expense | $50,001 | $54,710 | $52,870 | $53,725 |
| InterestExpenseOperating | — | $191,257 | $232,024 | $242,716 |
| Selling and Marketing Expense | $21,216 | $22,752 | $22,801 | $26,024 |
| Occupancy, Net | $6,374 | $5,609 | $5,456 | $5,657 |
| Depreciation, Depletion and Amortization, Nonproduction | — | — | $881 | $857 |
| Operating Expenses | $290,917 | $366,075 | $406,467 | $420,243 |
| Weighted Average Number of Shares Outstanding, Basic | 20,896,000 | 21,292,000 | 21,889,000 | 21,923,000 |
| Weighted Average Number of Shares Outstanding, Diluted | 25,218,000 | 24,325,000 | 24,081,000 | 23,336,000 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Common Stock, Value, Issued | $28,678 | $25,720 | $24,426 | $22,365 |
| Retained Earnings (Accumulated Deficit) | $247,857 | $267,060 | $286,385 | $298,158 |
| Accumulated Other Comprehensive Income (Loss), Net of Tax | $-1,867 | $-10 | $-1,275 | $-1,275 |
| Stockholders' Equity Attributable to Parent | $274,668 | $292,770 | $309,536 | $319,248 |
| Liabilities and Equity | $2,903,746 | $3,493,868 | $3,858,193 | $4,422,221 |
| Cash and Cash Equivalents, at Carrying Value | $6,174 | $11,713 | $6,322 | $7,501 |
| Restricted Cash and Cash Equivalents | $119,257 | $125,684 | $165,885 | $172,703 |
| Loans Receivable, Fair Value Disclosure | $2,722,662 | $3,313,767 | $3,655,855 | $4,212,167 |
| Financing Receivable, after Allowance for Credit Loss, Current | $24,684 | $4,987 | $520 | $520 |
| Property, Plant and Equipment, Net | $1,372 | $943 | $771 | $1,265 |
| Deferred Income Tax Assets, Net | $3,736 | $1,010 | $16 | $16 |
| Other Assets, Noncurrent | $25,861 | $35,764 | $28,824 | $28,585 |
| Accounts Payable and Accrued Liabilities, Current | $62,544 | $70,151 | $65,244 | $94,698 |
| Warehouse Agreement Borrowings | $234,025 | $410,898 | $324,871 | $679,900 |
| Principal Amount Outstanding on Loans Securitized or Asset-backed Financing Arrangement | $2,265,446 | $2,594,384 | $2,986,574 | $3,131,105 |
| Subordinated Debt | $17,188 | $26,489 | $28,986 | $28,461 |
| Liabilities | $2,629,078 | $3,201,098 | $3,548,657 | $4,102,973 |
| Preferred Stock, Shares Authorized | 4,998,130 | 4,998,130 | 4,998,130 | 4,998,130 |
| Preferred Stock, Shares Issued | 0 | 0 | 0 | 0 |
| Common Stock, Shares Authorized | 75,000,000 | 75,000,000 | 75,000,000 | 75,000,000 |
| Common Stock, Shares, Issued | 21,174,856 | 21,432,698 | 21,842,457 | 21,598,965 |
| (in thousands, except per share data) | FY 2023 | FY 2024 | FY 2025 | TTM |
|---|---|---|---|---|
| Net Income (Loss) Attributable to Parent | $45,343 | $19,203 | $19,325 | $21,607 |
| Net Cash Provided by (Used in) Operating Activities | $237,980 | $233,755 | $289,001 | $350,544 |
| Net Cash Provided by (Used in) Investing Activities | $-359,532 | $-769,713 | $-590,117 | $-926,253 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate Effect | $-37,358 | $11,966 | $34,810 | $20,036 |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | $125,431 | $137,397 | $172,207 | $174,142 |
| Depreciation, Depletion and Amortization | $847 | $862 | $881 | $857 |
| Amortization of Debt Issuance Costs and Discounts | — | $10,574 | $12,576 | $13,175 |
| Share-based Payment Arrangement, Expense | $3,500 | $3,000 | $2,670 | $2,399 |
| Proceeds from Sale of Finance Receivables | — | — | $7,401 | $2,325 |
| Payments to Acquire Finance Receivables | $1,251,020 | $1,653,037 | $1,639,044 | $2,022,801 |
| Proceeds from Collection of Finance Receivables | $823,434 | $858,628 | $1,042,235 | $1,095,305 |
| Payments to Acquire Property, Plant, and Equipment | $559 | $433 | $709 | $1,082 |
| Proceeds from Issuance of Secured Debt | $1,235,534 | $1,453,921 | $1,665,300 | $1,662,610 |
| Proceeds from Issuance of Other Long-term Debt | $0 | $11,037 | $4,658 | $2,578 |
| Repayments of Medium-term Notes | $8,075 | $1,736 | $2,161 | $2,945 |
| Proceeds from (Repayments of) Lines of Credit | $-53,253 | $180,574 | $-87,991 | $282,989 |
| Repayments of Secured Debt | $1,078,432 | $1,124,088 | $1,271,962 | $1,344,315 |
| Payments of Financing Costs | $7,888 | $15,869 | $12,461 | $12,552 |
| Payments for Repurchase of Common Stock | $20,273 | $12,828 | $8,672 | $7,228 |
| Proceeds from Stock Options Exercised | $16,581 | $6,913 | $4,708 | $634 |
| Net Cash Provided by (Used in) Financing Activities | $84,194 | $547,924 | $335,926 | $595,745 |
| Increase (Decrease) in Other Operating Assets | $-4,667 | $10,028 | $-6,940 | $-13,833 |
| Increase (Decrease) in Prepaid Expense and Other Assets | $-6,441 | $-2,726 | $-994 | $-810 |
| Increase (Decrease) in Accounts Payable and Accrued Liabilities | $8,287 | $9,464 | $-6,172 | $25,505 |
| Interest Paid, Excluding Capitalized Interest, Operating Activities | $135,203 | $177,949 | $218,117 | $227,581 |
| Income Taxes Paid, Net | $3,552 | $11,799 | $6,828 | $5,807 |