{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-25-001232","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2025-02-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:06.699015+00:00","generated_at":"2026-05-26T04:12:57.456918+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 Q4 net income $5.1M, down 49% YoY; full-year EPS $0.79 vs $1.89 in 2023","bullets":["Q4 revenues $105.3M (+14.5% YoY); net income $5.1M ($0.21/diluted) vs $10.0M in Q4 2023.","Full-year 2024 net income $19.2M ($0.79/diluted), down from $45.3M ($1.89) in 2023.","Operating expenses $366.1M (+25.8% YoY); pretax income fell to $27.4M from $61.1M.","New contract purchases $1.682B in 2024, up 23.9% from 2023; portfolio at record $3.491B.","Annualized net charge-offs 8.02% (Q4) vs 7.74% a year ago; 30+ day delinquencies 14.85%."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-25-001232","json":"https://secwatch.observer/filing/0001683168-25-001232.json","markdown":"https://secwatch.observer/filing/0001683168-25-001232.md","text":"https://secwatch.observer/filing/0001683168-25-001232.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316825001232/0001683168-25-001232-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316825001232/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-26T04:12:57.456918+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"}