---
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"
generated_at: "2026-06-22T00:26:47.073303+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.8
calibrated_materiality_score: 0.8
confidence: "high"
source: SEC EDGAR
---

# CPS Q3 net income up 85% YoY to $25.4M; diluted EPS $0.95 vs $0.52

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.8
- calibrated_materiality_score: 0.8
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-22-007474
- JSON: https://secwatch.observer/filing/0001683168-22-007474.json
- Plain text: https://secwatch.observer/filing/0001683168-22-007474.txt

## Key facts
- Earnings Releases
  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.
  - Period: its third quarter ended September 30, 2022
  - Revenue: $90.3 million
  - Net income: $25.4 million
  - EPS: $0.95 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/889609/000168316822007474/0001683168-22-007474-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.