{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-25-005907","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2025-08-11T23:59:59+00:00","discovered_at":"2026-05-14T18:02:46.607028+00:00","generated_at":"2026-05-17T15:58:51.260910+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"CPS Q2 2025 net income $4.8M ($0.20/diluted), revenue $109.8M (+14.5% YoY)","bullets":["Pretax income $7.0M vs $6.7M YoY; revenue growth driven by 14.5% increase to $109.8M.","Record shareholder's equity exceeded $300M for first time; total receivables $3.708B.","New contract purchases $433.0M in Q2, slightly above $431.9M in same quarter 2024.","Annualized net charge-offs 7.45% vs 7.26% YoY; delinquencies >30 days improved to 13.14% from 13.29%.","Six-month net income $9.5M ($0.40/diluted) vs $9.3M ($0.38/diluted) in prior year period."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-25-005907","json":"https://secwatch.observer/filing/0001683168-25-005907.json","markdown":"https://secwatch.observer/filing/0001683168-25-005907.md","text":"https://secwatch.observer/filing/0001683168-25-005907.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316825005907/0001683168-25-005907-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316825005907/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T15:58:51.260910+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"}