{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-25-008154","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2025-11-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:42.504338+00:00","generated_at":"2026-05-16T22:49:34.816876+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"CPS Q3 net income $4.9M ($0.20 EPS); revenue up 7.8% to $108.4M","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-25-008154","json":"https://secwatch.observer/filing/0001683168-25-008154.json","markdown":"https://secwatch.observer/filing/0001683168-25-008154.md","text":"https://secwatch.observer/filing/0001683168-25-008154.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316825008154/0001683168-25-008154-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316825008154/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T22:49:34.816876+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"}