{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-25-003450","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2025-05-13T23:59:59+00:00","discovered_at":"2026-05-14T18:02:51.674252+00:00","generated_at":"2026-05-21T19:56:31.236059+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":"CPSS Q1 net income $4.7M ($0.19 EPS); revenue up 16.6% to $106.9M; record portfolio of $3.615B","bullets":["Net income of $4.7M ($0.19 diluted EPS) vs $4.6M ($0.19) in Q1 2024.","Revenue $106.9M, up $15.2M or 16.6% YoY; total portfolio balance $3.615B, highest in company history.","New contract purchases of $451.2M in Q1 2025, compared to $346.3M in Q1 2024 (+30.3%).","Annualized net charge-offs improved to 7.54% from 7.84%; delinquencies >30 days at 12.35% vs 12.39%.","Pretax income $6.8M vs $6.6M in prior year; conference call scheduled for May 13, 2025 at 1:00 p.m. ET."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-25-003450","json":"https://secwatch.observer/filing/0001683168-25-003450.json","markdown":"https://secwatch.observer/filing/0001683168-25-003450.md","text":"https://secwatch.observer/filing/0001683168-25-003450.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316825003450/0001683168-25-003450-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316825003450/cps_8k-earnings.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-21T19:56:31.236059+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"}