{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-24-007530","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2024-11-01T23:59:59+00:00","discovered_at":"2026-05-14T18:03:11.279770+00:00","generated_at":"2026-05-30T07:10:30.773051+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CPS Q3 2024 revenue up 9.2% to $100.6M; net income $0.20 per share; portfolio hits record $3.33B","bullets":["Revenue $100.6M (+9.2% YoY); net income $4.8M ($0.20 diluted EPS) vs $14.2M pretax in prior year.","New contract purchases $445.9M, up 38% from $322.4M in Q3 2023; total portfolio $3.33B (record).","Annualized net charge-offs 7.32% vs 6.86% YoY; delinquencies >30 days 14.04% vs 13.31% YoY.","Pretax income fell to $6.9M from $14.2M in Q3 2023; total operating expenses rose to $93.7M from $77.9M.","CEO cites fourth consecutive quarter of origination growth; conference call Nov 1."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-24-007530","json":"https://secwatch.observer/filing/0001683168-24-007530.json","markdown":"https://secwatch.observer/filing/0001683168-24-007530.md","text":"https://secwatch.observer/filing/0001683168-24-007530.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316824007530/0001683168-24-007530-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316824007530/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-30T07:10:30.773051+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"}