---
schema_version: "secwatch.filing_event.v1"
accession: "0001683168-26-005950"
form_type: "8-K"
ticker: "CPSS"
cik: "0000889609"
company_name: "CONSUMER PORTFOLIO SERVICES, INC."
filed_at: "2026-08-04T21:13:27+00:00"
generated_at: "2026-08-04T21:14:04.064256+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# CPS Q2 net income up 30% to $6.2M; record originations of $758M

## Summary
- Revenue $121.4M (+10.6% YoY); net income $6.2M ($0.27 diluted EPS, +35% YoY).
- New contract purchases $757.7M, a 75% increase from $433.0M in Q2 2025.
- Total portfolio $4.31B, up from $3.71B a year ago; delinquencies improved to 12.16% from 13.14%.
- Annualized net charge-offs 7.28% vs 7.45% in prior-year quarter.
- Six-month net income $11.8M ($0.50 diluted EPS), up 24% and 28% respectively.

## SEC filing metadata
- accession: 0001683168-26-005950
- form_type: 8-K
- ticker: CPSS
- cik: 0000889609
- company_name: CONSUMER PORTFOLIO SERVICES, INC.
- filed_at: 2026-08-04T21:13:27+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/889609/000168316826005950/0001683168-26-005950-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/889609/000168316826005950/cps_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001683168-26-005950
- JSON: https://secwatch.observer/filing/0001683168-26-005950.json
- Plain text: https://secwatch.observer/filing/0001683168-26-005950.txt

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