{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-22-007474","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2022-11-10T23:59:59+00:00","discovered_at":"2026-05-14T18:03:53.887974+00:00","generated_at":"2026-06-22T00:26:47.073303+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.8,"calibrated_materiality_score":0.8,"confidence":"high","headline":"CPS Q3 net income up 85% YoY to $25.4M; diluted EPS $0.95 vs $0.52","bullets":["Revenue $90.3M, up from $68.6M YoY; pretax income $34.3M, up 76%.","New contract purchases $468.2M, up 43% YoY but down from $548.1M in Q2 2022.","Annualized net charge-offs 4.93%, up from 2.82% in Q3 2021; 30+ day delinquencies 10.85% vs 9.44%.","Receivables grew to $2.687B from $2.161B a year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-22-007474","json":"https://secwatch.observer/filing/0001683168-22-007474.json","markdown":"https://secwatch.observer/filing/0001683168-22-007474.md","text":"https://secwatch.observer/filing/0001683168-22-007474.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316822007474/0001683168-22-007474-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316822007474/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T00:26:47.073303+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"72db5ac7feba83eb5abd69355b23c9d83d4caa1d","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported its third quarter ended September 30, 2022 results: revenue $90.3 million, net income $25.4 million, EPS $0.95 per diluted share.","evidence_excerpt":"ended September 30, 2022. This compares to net income of $13.7 million, or $0.52 per diluted share, in the third quarter of 2021. Revenues for the third quarter of 2022 were $90.3 million, compared to $68.6 million for the third quarter of 2021. Total operating expenses for the third quarter of 2022 were $56.0 million compared to $49.0 million for the 2021 period","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316822007474/0001683168-22-007474-index.htm","confidence":0.99,"family_label":"Earnings Releases","details":[{"label":"Period","value":"its third quarter ended September 30, 2022"},{"label":"Revenue","value":"$90.3 million"},{"label":"Net income","value":"$25.4 million"},{"label":"EPS","value":"$0.95 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}