{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-24-005151","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:16.190733+00:00","generated_at":"2026-05-31T14:43:04.496771+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 Q2 net income drops 66% to $4.7M ($0.19 EPS); revenue rises 13% to $95.9M","bullets":["Net income $4.7M ($0.19 diluted EPS) vs $14.0M ($0.55) in Q2 2023, down 66%.","Revenue $95.9M, up 13% from $84.9M; pretax income $6.7M vs $18.6M.","New contract purchases $431.9M, up 36% YoY; largest securitization in company history.","Annualized net charge-offs 7.26% vs 6.29%; 30+ day delinquencies 13.29% vs 11.72%.","Receivables $3.173B, up from $2.910B year ago."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-24-005151","json":"https://secwatch.observer/filing/0001683168-24-005151.json","markdown":"https://secwatch.observer/filing/0001683168-24-005151.md","text":"https://secwatch.observer/filing/0001683168-24-005151.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316824005151/0001683168-24-005151-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316824005151/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:43:04.496771+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}