---
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"
generated_at: "2026-05-26T04:12:57.456918+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CPS Q4 net income $5.1M, down 49% YoY; full-year EPS $0.79 vs $1.89 in 2023

## Summary
- 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%.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-25-001232
- JSON: https://secwatch.observer/filing/0001683168-25-001232.json
- Plain text: https://secwatch.observer/filing/0001683168-25-001232.txt

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