{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-23-001505","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2023-03-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:48.425898+00:00","generated_at":"2026-06-18T02:41:19.788209+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CPS reports record FY2022 net income of $86M ($3.23 EPS); revenue up 23% YoY","bullets":["Q4 2022 net income $14.1M ($0.59 diluted EPS) vs $19.0M ($0.71) in Q4 2021.","Full year 2022 net income $86.0M ($3.23 diluted EPS) vs $47.5M ($1.84) in 2021, record earnings.","Full year new contract purchases $1.854B, up 62% YoY; managed portfolio exceeded $3B for first time.","Revenues $329.7M for 2022, up 23.1% from $267.8M in 2021.","Annualized net charge-offs rose to 5.83% in Q4 2022 from 2.57% a year ago; delinquencies 12.62% vs 10.53%."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-23-001505","json":"https://secwatch.observer/filing/0001683168-23-001505.json","markdown":"https://secwatch.observer/filing/0001683168-23-001505.md","text":"https://secwatch.observer/filing/0001683168-23-001505.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/0001683168-23-001505-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T02:41:19.788209+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":"b7d0055e7a3422a4de29f65635ae43fb0d83af02","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported twelve months ended December 31, 2022 results: revenue $329.7 million, net income $86.0 million, EPS $3.23 per diluted share.","evidence_excerpt":"quarter of 2022 was $18.3 million compared to pretax income of $24.4 million in the fourth quarter of 2021. For the twelve months ended December 31, 2022 total revenues were $329.7 million compared to $267.8 million for the twelve months ended December 31, 2021, an increase of approximately $61.9 million, or 23.1%. Total expenses for the twelve months ended","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/0001683168-23-001505-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"twelve months ended December 31, 2022"},{"label":"Revenue","value":"$329.7 million"},{"label":"Net income","value":"$86.0 million"},{"label":"EPS","value":"$3.23 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"b8b769c7be7ad95337a2ff2ae6ac33ac947dc6c7","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported fourth quarter ended December 31, 2022 results: revenue $83.0 million, net income $14.1 million, EPS $0.59 per diluted share.","evidence_excerpt":"ended December 31, 2022. This compares to a net income of $19.0 million, or $0.71 per diluted share, in the fourth quarter of 2021. Revenues for the fourth quarter of 2022 were $83.0 million, an increase of $13.7 million, or 19.7%, compared to $69.4 million for the fourth quarter of 2021. Total operating expenses for the fourth quarter of 2022 were $64.7 million","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/0001683168-23-001505-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"fourth quarter ended December 31, 2022"},{"label":"Revenue","value":"$83.0 million"},{"label":"Net income","value":"$14.1 million"},{"label":"EPS","value":"$0.59 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"}