{"schema_version":"secwatch.filing_event.v1","accession":"0001683168-26-001649","form_type":"8-K","ticker":"CPSS","cik":"0000889609","company_name":"CONSUMER PORTFOLIO SERVICES, INC.","filed_at":"2026-03-10T23:59:59+00:00","discovered_at":"2026-05-14T18:02:37.960602+00:00","generated_at":"2026-05-15T17:23:58.057499+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"CPS Q4 2025 net income $5.0M ($0.21/diluted); FY revenue record $434.5M","bullets":["Q4 net income $5.0M ($0.21 diluted EPS) on revenues $109.4M (+3.9% YoY).","Full year revenue $434.5M (+10.4%); interest income $422.7M (+16%).","New contract purchases $1.638B in 2025 vs $1.682B in 2024.","Net charge-offs 7.76% vs 7.62% in 2024; 30+ day delinq 14.77% vs 14.85%.","CEO: highest recorded revenue in company history; well positioned for 2026."],"urls":{"canonical":"https://secwatch.observer/filing/0001683168-26-001649","json":"https://secwatch.observer/filing/0001683168-26-001649.json","markdown":"https://secwatch.observer/filing/0001683168-26-001649.md","text":"https://secwatch.observer/filing/0001683168-26-001649.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/889609/000168316826001649/0001683168-26-001649-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/889609/000168316826001649/cps_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-15T17:23:58.057499+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"}