---
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"
generated_at: "2026-05-16T22:49:34.816876+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: neutral
- 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/889609/000168316825008154/0001683168-25-008154-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/889609/000168316825008154/cps_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-25-008154
- JSON: https://secwatch.observer/filing/0001683168-25-008154.json
- Plain text: https://secwatch.observer/filing/0001683168-25-008154.txt

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