secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
CIK:        0000889609
Form:       8-K
Filed at:   2025-08-11T23:59:59+00:00
Accession:  0001683168-25-005907
Event type: earnings
Sentiment:  positive
Materiality: 0.55
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/889609/000168316825005907/0001683168-25-005907-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/889609/000168316825005907/cps_8k.htm
  HTML page:      https://secwatch.observer/filing/0001683168-25-005907

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer