CPS Q3 net income $4.9M ($0.20 EPS); revenue up 7.8% to $108.4M

CONSUMER PORTFOLIO SERVICES, INC.

2025-Q3 EPS reported $0.59 revenue$325,060,000

Revenue $108.4M, up 7.8% YoY; pretax income $7.0M vs $6.9M prior year.
Net income $4.9M ($0.20 diluted EPS), in line with Q3 2024's $4.8M ($0.20 EPS).
New contract purchases $391.1M in Q3; YTD purchases $1.275B vs $1.224B prior.
Annualized net charge-offs 8.01% of portfolio vs 7.32% a year ago; delinquencies 13.96% vs 14.04%.
Receivables $3.760B at Sept. 30, 2025, up from $3.330B a year earlier.

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