{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-24-003297","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2024-05-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:22.326532+00:00","generated_at":"2026-06-02T03:04:32.173348+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":"CPS Q1 2024 net income falls 67% YoY to $4.6M; charge-offs rise to 7.84%","bullets":["Revenue $91.7M (+10.4% YoY); net income $4.6M ($0.19 diluted EPS) vs $13.8M ($0.54) prior year.","Pretax income $6.6M vs $18.4M in Q1 2023; operating expenses up 31.7% to $85.2M.","New contract purchases $346.3M, down from $415.2M a year ago; total receivables $3.021B.","Annualized net charge-offs 7.84% vs 5.20%; 30+ day delinquencies 12.39% vs 9.92%.","CEO cites inflationary margin pressure but notes revenue growth from rising origination volumes."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-24-003297","json":"https://secwatch.observer/filing/0001683168-24-003297.json","markdown":"https://secwatch.observer/filing/0001683168-24-003297.md","text":"https://secwatch.observer/filing/0001683168-24-003297.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316824003297/0001683168-24-003297-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316824003297/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-02T03:04:32.173348+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":"c167da53abaeb603382bd9f2de17de2c8df3ad85","claim":"CONSUMER PORTFOLIO SERVICES, INC. reported first quarter ended March 31, 2024 results: revenue $91.7 million, net income $4.6 million, EPS $0.19 per diluted share.","evidence_excerpt":"CPS ANNOUNCES FIRST QUARTER 2024 EARNINGS § Revenues of $91.7 million compared to $83.1 million in the prior year period § Pretax income of $6.6 million § Net income of $4.6 million, or $0.19 per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/889609/000168316824003297/0001683168-24-003297-index.htm","confidence":0.98,"family_label":"Earnings Releases","details":[{"label":"Period","value":"first quarter ended March 31, 2024"},{"label":"Revenue","value":"$91.7 million"},{"label":"Net income","value":"$4.6 million"},{"label":"EPS","value":"$0.19 per diluted share"},{"label":"Result","value":"reported results"}]}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}