secwatch.observer — SEC 8-K summary
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Issuer:     CONSUMER PORTFOLIO SERVICES, INC. (CPSS)
CIK:        0000889609
Form:       8-K
Filed at:   2026-03-10T23:59:59+00:00
Accession:  0001683168-26-001649
Event type: earnings
Sentiment:  positive
Materiality: 0.65
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/889609/000168316826001649/0001683168-26-001649-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/889609/000168316826001649/cps_8k.htm
  HTML page:      https://secwatch.observer/filing/0001683168-26-001649

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer