{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-24-001508","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2024-03-18T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.163207+00:00","generated_at":"2026-06-04T16:23:22.409959+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.85,"calibrated_materiality_score":0.85,"confidence":"high","headline":"CPSS Q4 net income falls to $7.2M from $14.1M YoY; full-year EPS $1.80 from $3.23","bullets":["Q4 2023 EPS $0.29 vs $0.59 in Q4 2022; revenue $92.0M (+10.8% YoY).","Full-year 2023 net income $45.3M ($1.80/diluted) vs $86.0M ($3.23) in 2022.","Pretax income down to $9.8M (Q4) and $61.1M (full year) from $18.3M and $116.2M.","New contract purchases $301.8M in Q4 vs $428.1M a year ago (-29.5%).","Annualized net charge-offs 7.74% (Q4) vs 5.83% YoY; delinquencies 14.55% vs 12.68%."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-24-001508","json":"https://secwatch.observer/filing/0001683168-24-001508.json","markdown":"https://secwatch.observer/filing/0001683168-24-001508.md","text":"https://secwatch.observer/filing/0001683168-24-001508.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316824001508/0001683168-24-001508-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316824001508/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-04T16:23:22.409959+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":"6966f1775344e630af8f4085cf8c410c4ae62fca","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported year ended December 31, 2023 results: revenue $352.0 million, net income $45.3 million, EPS $1.80 per diluted share.","evidence_excerpt":"QUARTER AND FULL YEAR 2023 EARNINGS · Pretax income of $9.8 million for the fourth quarter and $61.1 million for 2023 · Revenues of $92.0 million for the fourth quarter and $352.0 million for 2023 · Net income of $45.3 million, or $1.80 per diluted share for 2023 · New contract purchases of $1.358 billion for the full year 2023 · Largest managed portfolio balance","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316824001508/0001683168-24-001508-index.htm","confidence":1.0,"family_label":"Earnings Releases","details":[{"label":"Period","value":"year ended December 31, 2023"},{"label":"Revenue","value":"$352.0 million"},{"label":"Net income","value":"$45.3 million"},{"label":"EPS","value":"$1.80 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"}