{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-23-007876","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2023-11-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:32.295480+00:00","generated_at":"2026-06-08T05:57:26.705300+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"CPSS Q3 net income falls 59% to $10.4M; credit costs rise sharply","bullets":["Net income of $10.4M ($0.41 diluted EPS) vs $25.4M ($0.95) in Q3 2022.","Revenue up 2% to $92.1M; pretax income plunges to $14.2M from $34.3M.","New contract purchases dropped 31% YoY to $322.4M from $468.2M.","Annualized net charge-offs rose to 6.86% of avg portfolio from 4.93%.","Delinquencies >30 days increased to 13.31% of total portfolio from 10.85%."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-23-007876","json":"https://secwatch.observer/filing/0001683168-23-007876.json","markdown":"https://secwatch.observer/filing/0001683168-23-007876.md","text":"https://secwatch.observer/filing/0001683168-23-007876.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316823007876/0001683168-23-007876-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316823007876/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-08T05:57:26.705300+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":"e53944d943b8beaadbd9336f89c4ca85c79fc635","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported third quarter ended September 30, 2023 results: revenue $92.1 million, net income $10.4 million, or $0.41 per diluted share, EPS $0.41 per diluted share.","evidence_excerpt":"for dial-in options. --- EX-99.1 (NEWS RELEASE) --- EX-99.1 2 cps_ex9901.htm NEWS RELEASE Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2023 EARNINGS § Revenue of $92.1 million, compared to $90.3 million in the prior year period § Pretax income of $14.2 million § Net income of $10.4 million, or $0.41 per diluted share § New contract purchases of $322.4","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316823007876/0001683168-23-007876-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"$92.1 million"},{"label":"Net income","value":"$10.4 million, or $0.41 per diluted share"},{"label":"EPS","value":"$0.41 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"}