---
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"
generated_at: "2026-05-15T17:23:58.057499+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# CPS Q4 2025 net income $5.0M ($0.21/diluted); FY revenue record $434.5M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-26-001649
- JSON: https://secwatch.observer/filing/0001683168-26-001649.json
- Plain text: https://secwatch.observer/filing/0001683168-26-001649.txt

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