---
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"
generated_at: "2026-05-30T07:10:30.773051+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CPS Q3 2024 revenue up 9.2% to $100.6M; net income $0.20 per share; portfolio hits record $3.33B

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-24-007530
- JSON: https://secwatch.observer/filing/0001683168-24-007530.json
- Plain text: https://secwatch.observer/filing/0001683168-24-007530.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.