---
schema_version: "secwatch.filing_event.v1"
accession: "0001683168-26-003502"
form_type: "8-K"
ticker: "CPSS"
cik: "0000889609"
company_name: "CONSUMER PORTFOLIO SERVICES, INC."
filed_at: "2026-05-05T23:59:59+00:00"
generated_at: "2026-05-14T23:42:54.747892+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# CPSS Q1 2026 net income $5.5M, revenue $112.3M, portfolio record $3.94B

## Summary
- Net income $5.5M ($0.24 diluted EPS), up 18% vs $4.7M ($0.19) in Q1 2025.
- Revenue $112.3M, up 5.1% from $106.9M in prior year period.
- New contract purchases $533.2M, up 18% YoY; total portfolio $3.942B (record).
- 30+ day delinquencies improved to 11.58% from 12.35% YoY; annualized net charge-offs rose to 8.57% from 7.54%.
- Management cites strong origination growth and focus on margin expansion and credit performance.

## SEC filing metadata
- accession: 0001683168-26-003502
- form_type: 8-K
- ticker: CPSS
- cik: 0000889609
- company_name: CONSUMER PORTFOLIO SERVICES, INC.
- filed_at: 2026-05-05T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/889609/000168316826003502/0001683168-26-003502-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/889609/000168316826003502/cps_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-26-003502
- JSON: https://secwatch.observer/filing/0001683168-26-003502.json
- Plain text: https://secwatch.observer/filing/0001683168-26-003502.txt

## Key facts
- Earnings Releases
  CONSUMER PORTFOLIO SERVICES, INC. reported first quarter ended March 31, 2026 results: revenue $112.3 million, net income $5.5 million, EPS $0.24 per diluted share.
  - Period: first quarter ended March 31, 2026
  - Revenue: $112.3 million
  - Net income: $5.5 million
  - EPS: $0.24 per diluted share
  - Result: reported results
  source text: passcode 8293043. --- EX-99.1 (PRESS RELEASE) --- EX-99.1 2 cps_ex9901.htm PRESS RELEASE Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES FIRST QUARTER 2026 EARNINGS § Revenues of $112.3 million compared to $106.9 million in the prior year period § Net income of $5.5 million for the first quarter of 2026, an 18% increase from prior year § Total portfolio balance of
  evidence_url: https://www.sec.gov/Archives/edgar/data/889609/000168316826003502/0001683168-26-003502-index.htm

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