---
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"
generated_at: "2026-05-17T15:58:51.260910+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# CPS Q2 2025 net income $4.8M ($0.20/diluted), revenue $109.8M (+14.5% YoY)

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-25-005907
- JSON: https://secwatch.observer/filing/0001683168-25-005907.json
- Plain text: https://secwatch.observer/filing/0001683168-25-005907.txt

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