---
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"
generated_at: "2026-05-21T19:56:31.236059+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CPSS Q1 net income $4.7M ($0.19 EPS); revenue up 16.6% to $106.9M; record portfolio of $3.615B

## Summary
- 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.

## SEC filing metadata
- 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
- 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/889609/000168316825003450/0001683168-25-003450-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/889609/000168316825003450/cps_8k-earnings.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-25-003450
- JSON: https://secwatch.observer/filing/0001683168-25-003450.json
- Plain text: https://secwatch.observer/filing/0001683168-25-003450.txt

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