---
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"
generated_at: "2026-06-18T02:41:19.788209+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CPS reports record FY2022 net income of $86M ($3.23 EPS); revenue up 23% YoY

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-23-001505
- JSON: https://secwatch.observer/filing/0001683168-23-001505.json
- Plain text: https://secwatch.observer/filing/0001683168-23-001505.txt

## Key facts
- Earnings Releases
  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.
  - Period: twelve months ended December 31, 2022
  - Revenue: $329.7 million
  - Net income: $86.0 million
  - EPS: $3.23 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/0001683168-23-001505-index.htm
- Earnings Releases
  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.
  - Period: fourth quarter ended December 31, 2022
  - Revenue: $83.0 million
  - Net income: $14.1 million
  - EPS: $0.59 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/889609/000168316823001505/0001683168-23-001505-index.htm

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