CONSUMER PORTFOLIO SERVICES, INC. — fact timeline

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.

“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”

CONSUMER PORTFOLIO SERVICES, INC. incurred debt of $514.07 million at 4.35%, 4.59%, 4.93%, 5.20%, 7.14%.

“the Trust issued and sold $514.07 million of asset-backed Notes, in five classes (such Notes collectively, the “Notes”)”

CONSUMER PORTFOLIO SERVICES, INC. incurred revolving credit of $390 million with Capital One, N.A. at a margin above the secured overnight financing rate.

“mended a revolving credit agreement (the "Credit Agreement") and related agreements with Capital One, N.A., and a Class B Lender (the “Lenders”), all of which have been in place since October 2025.”

CONSUMER PORTFOLIO SERVICES, INC. amended Credit Agreement with Capital One, N.A., and a Class B Lender valued at up to a maximum of $390 million (effective 2026-04-03).

“On April 3, 2026, Consumer Portfolio Services, Inc. ("CPS" or the "Company") and its wholly-owned subsidiary Page Eleven Funding LLC (the “Borrower”) amended a revolving credit agreement (the "Credit Agreement") and related agreements with Capital One, N.A., and a Class B Lender (the “Lenders”), all of which have been in place since October 2025.”

CONSUMER PORTFOLIO SERVICES, INC. reported twelve months ended December 31, 2025 results: revenue $434.5 million, net income $19.3 million, EPS $0.80 per diluted share.

“for the fourth quarter of 2025 was $7.2 million, compared to $7.4 million in the fourth quarter of 2024. For the twelve months ended December 31, 2025, total revenues were $434.5 million, an increase of approximately $41.0 million, or 10.4% compared to $393.5 million for the twelve months ended December 31, 2024. The $41.0 million increase in total revenue was”

CONSUMER PORTFOLIO SERVICES, INC. reported fourth quarter ended December 31, 2025 results: revenue $109.4 million, net income $5.0 million, EPS $0.21 per diluted share.

“Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced earnings of $5.0 million, or $0.21 per diluted share, for its fourth quarter ended December 31, 2025. Total revenues for the fourth quarter of 2025 were $109.4 million”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $345.61 million with Computershare Trust Company, N.A. at 4.19%, 4.43%, 4.63%, 4.98%, 6.66%.

“the Trust issued and sold $345.61 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $384.6 million at 4.46% to 7.69%.

“the Trust issued and sold $384.6 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. incurred credit facility of $19.6 million.

“CPS incurred approximately $19.6 million of indebtedness under the revolving credit facility on October 22, 2025.”

CONSUMER PORTFOLIO SERVICES, INC. incurred revolving credit of $167.5 million with Capital One, N.A. and a Class B lender at one-month SOFR plus 2.75%, but in all events no less than 3% per year maturing October 18, 2027.

“Under the Credit Agreement, and subject to its terms and conditions, the Lenders have agreed to lend from time to time prior to the funding termination date up to a maximum of $167.5 million to be outstanding at any time. The amount that may be advanced under the Credit Agreement will be up to 95.5% of the principal amount of eligible pledged receivables. The”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $418.33 million of asset-backed Notes with Computershare Trust Company, N.A. at 4.71% / 4.71% / 4.91% / 5.28% / 6.59%.

“the Trust issued and sold $418.33 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. incurred debt of $419.95 million at 4.74%, 4.79%, 5.12%, 5.56%, 7.95%.

“the Trust issued and sold $419.95 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

Laurie A. Straten retired as Executive Vice President of Servicing at CONSUMER PORTFOLIO SERVICES, INC..

“On July 18, 2024, the registrant’s Executive Vice President of Servicing and named executive officer, Laurie A. Straten, retired as Executive Vice President of Servicing.”

CONSUMER PORTFOLIO SERVICES, INC. reported first quarter ended March 31, 2024 results: revenue $91.7 million, net income $4.6 million, EPS $0.19 per diluted share.

“CPS ANNOUNCES FIRST QUARTER 2024 EARNINGS § Revenues of $91.7 million compared to $83.1 million in the prior year period § Pretax income of $6.6 million § Net income of $4.6 million, or $0.19 per diluted share”

CONSUMER PORTFOLIO SERVICES, INC. incurred debt of $319.9 million.

“the Trust issued and sold $319.9 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. amended Credit Agreement with subsidiary of Ares Management LLC valued at $200 million (effective 2024-03-29).

“On March 29, 2024, Consumer Portfolio Services, Inc. (“CPS” or the “Company”) and its wholly-owned subsidiary Page Nine Funding LLC (the “Borrower”) renewed a revolving credit agreement (the "Credit Agreement")”

CONSUMER PORTFOLIO SERVICES, INC. reported year ended December 31, 2023 results: revenue $352.0 million, net income $45.3 million, EPS $1.80 per diluted share.

“QUARTER AND FULL YEAR 2023 EARNINGS · Pretax income of $9.8 million for the fourth quarter and $61.1 million for 2023 · Revenues of $92.0 million for the fourth quarter and $352.0 million for 2023 · Net income of $45.3 million, or $1.80 per diluted share for 2023 · New contract purchases of $1.358 billion for the full year 2023 · Largest managed portfolio balance”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $280.9 million aggregate principal amount of asset-backed Notes, in five classes with Computershare Trust Company, N.A. at fixed rates per class: 5.71% (A), 5.65% (B), 5.74% (C), 6.13% (D), 8.42% (E).

“the Trust issued and sold $280.9 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. entered into a asset purchase with CPS Auto Receivables Trust 2024-A valued at approximately $300.6 million (effective 2024-01-24).

“On January 24, 2024, the registrant Consumer Portfolio Services, Inc. ("CPS") and its wholly owned subsidiary CPS Receivables Five LLC ("Subsidiary") entered into a series of agreements under which Subsidiary purchased from CPS, and sold to CPS Auto Receivables Trust 2024-A (the "Trust"), approximately $300.6 million of subprime automotive receivables (the "Receivables").”

CONSUMER PORTFOLIO SERVICES, INC. shareholders approved To adopt an advisory resolution approving our executive compensation at the 2023-11-14 meeting.

“Proposal Three 8,238,836 3,405,872 7,550 5,705,209”

CONSUMER PORTFOLIO SERVICES, INC. shareholders approved To ratify the appointment of Crowe LLP as our independent auditors for the fiscal year ending December 31, 2023 at the 2023-11-14 meeting.

“Proposal Two 17,199,073 156,579 1,815 0”

CONSUMER PORTFOLIO SERVICES, INC. shareholders approved Election of Directors at the 2023-11-14 meeting.

“Nine individuals were nominated for election to our board of directors at the meeting, constituting the entire board.”

CONSUMER PORTFOLIO SERVICES, INC. reported third quarter ended September 30, 2023 results: revenue $92.1 million, net income $10.4 million, or $0.41 per diluted share, EPS $0.41 per diluted share.

“for dial-in options. --- EX-99.1 (NEWS RELEASE) --- EX-99.1 2 cps_ex9901.htm NEWS RELEASE Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES THIRD QUARTER 2023 EARNINGS § Revenue of $92.1 million, compared to $90.3 million in the prior year period § Pretax income of $14.2 million § Net income of $10.4 million, or $0.41 per diluted share § New contract purchases of $322.4”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $286.1 million of asset-backed Notes, in five classes with Computershare Trust Company, N.A. at Class A 6.40%, Class B 6.78%, Class C 7.17%, Class D 7.80%, Class E 10.13%.

“he Trust deposited the Receivables with Computershare Trust Company, N.A. ("CTCNA"), as trustee of a grantor trust, receiving”

CONSUMER PORTFOLIO SERVICES, INC. reported six months ended June 30, 2023 results: revenue $168.0 million, net income $27.8 million.

“For the six months ended June 30, 2023 total revenues were $168.0 million compared to $156.4 million”

CONSUMER PORTFOLIO SERVICES, INC. reported second quarter ended June 30, 2023 results: revenue $84.9 million, net income $14.0 million, EPS $0.55 per diluted share.

“for dial-in options. --- EX-99.1 (NEWS RELEASE) --- EX-99.1 2 cps_ex9901.htm NEWS RELEASE Exhibit 99.1 NEWS RELEASE CPS ANNOUNCES SECOND QUARTER 2023 EARNINGS § Revenues of $84.9 million compared to $82.0 million in the prior year period § Pretax income of $18.6 million § Net income of $14.0 million, or $0.55 per diluted share § New contract purchases of $318.4”

CONSUMER PORTFOLIO SERVICES, INC. incurred debt of $332.9 million with CPS Auto Receivables Trust 2023-B at See table: Class A 5.91%, Class B 5.38%, Class C 6.04%, Class D 6.34%, Class E 1 maturing Not specified.

“series of agreements under which Subsidiary purchased from CPS, and sold to CPS Auto Receivables Trust 2023-B (the "Trust"), approximately $369.9 million of subprime automotive receivables (the "Receivables").”

CONSUMER PORTFOLIO SERVICES, INC. entered into a asset purchase with CPS Auto Receivables Trust 2023-B valued at approximately $369.9 million (effective 2023-04-26).

“On April 26, 2023, the registrant Consumer Portfolio Services, Inc. ("CPS") and its wholly owned subsidiary CPS Receivables Five LLC ("Subsidiary") entered into a series of agreements under which Subsidiary purchased from CPS, and sold to CPS Auto Receivables Trust 2023-B (the "Trust"), approximately $369.9 million of subprime automotive receivables (the "Receivables").”

CONSUMER PORTFOLIO SERVICES, INC. reported first quarter ended March 31, 2023 results: revenue $83.1 million, net income $13.8 million, EPS $0.54 per diluted share.

“CPS ANNOUNCES FIRST QUARTER 2023 EARNINGS § Revenues of $83.1 million compared to $74.4 million in the prior year period § Pretax income of $18.4 million § Net income of $13.8 million, or $0.54 per diluted share § New contract purchases of $415.2 million LAS VEGAS, NV, April 26, 2023 (GlobeNewswire) -- Consumer Portfolio Services, Inc. (Nasdaq: CPSS) (“CPS” or the “Company”) today announced earnings of $13.8 million, or $0.54 per diluted share, for its first quarter ended March 31, 2023.”

CONSUMER PORTFOLIO SERVICES, INC. reported twelve months ended December 31, 2022 results: revenue $329.7 million, net income $86.0 million, EPS $3.23 per diluted share.

“quarter of 2022 was $18.3 million compared to pretax income of $24.4 million in the fourth quarter of 2021. For the twelve months ended December 31, 2022 total revenues were $329.7 million compared to $267.8 million for the twelve months ended December 31, 2021, an increase of approximately $61.9 million, or 23.1%. Total expenses for the twelve months ended”

CONSUMER PORTFOLIO SERVICES, INC. reported fourth quarter ended December 31, 2022 results: revenue $83.0 million, net income $14.1 million, EPS $0.59 per diluted share.

“ended December 31, 2022. This compares to a net income of $19.0 million, or $0.71 per diluted share, in the fourth quarter of 2021. Revenues for the fourth quarter of 2022 were $83.0 million, an increase of $13.7 million, or 19.7%, compared to $69.4 million for the fourth quarter of 2021. Total operating expenses for the fourth quarter of 2022 were $64.7 million”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $324.8 million.

“the Trust issued and sold $324.8 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes")”

CONSUMER PORTFOLIO SERVICES, INC. entered into a asset purchase with CPS Auto Receivables Trust 2023-A valued at $362.9 million (effective 2023-01-25).

“On January 25, 2023, the registrant Consumer Portfolio Services, Inc. ("CPS") and its wholly owned subsidiary CPS Receivables Five LLC ("Subsidiary") entered into a series of agreements under which Subsidiary purchased from CPS, and sold to CPS Auto Receivables Trust 2023-A (the "Trust"), approximately $362.9 million of subprime automotive receivables (the " Receivables").”

Charles E. Bradley changed role as President at CONSUMER PORTFOLIO SERVICES, INC..

“On December 2, 2022, Charles E. Bradley stepped down as President.”

Michael T. Lavin was appointed as President at CONSUMER PORTFOLIO SERVICES, INC..

“On December 2, 2022, Consumer Portfolio Services, Inc. (the “Company”) appointed Michael T. Lavin as its President.”

CONSUMER PORTFOLIO SERVICES, INC. reported its third quarter ended September 30, 2022 results: revenue $90.3 million, net income $25.4 million, EPS $0.95 per diluted share.

“ended September 30, 2022. This compares to net income of $13.7 million, or $0.52 per diluted share, in the third quarter of 2021. Revenues for the third quarter of 2022 were $90.3 million, compared to $68.6 million for the third quarter of 2021. Total operating expenses for the third quarter of 2022 were $56.0 million compared to $49.0 million for the 2021 period”

CONSUMER PORTFOLIO SERVICES, INC. incurred senior notes of $307 million with Noteholders at 6.09%, 6.84%, 7.69%, 8.73%, 12.12% maturing Monthly, with potential acceleration and optional purchase at 10% of initial pool.

“Under these agreements (i) CPS sold the Receivables to Subsidiary (ii) Subsidiary sold the Receivables to the Trust (iii) the Trust deposited the Receivables with Computershare Trust Company, N.A. ("CTCNA"), as trustee of a grantor trust, receiving in return a certificate of beneficial interest (“CBI”) representing beneficial ownership of the Receivables, (iv) the Trust pledged the CBI to CTCNA as indenture trustee for benefit of the holders of the Notes (as defined below), (v) the Trust issued and sold $307 million of asset-backed Notes, in five classes (such Notes collectively, the "Notes"), and (vi) a cash deposit (the "Reserve Account") in the amount of 1.20% of the aggregate balance of the Receivables was pledged for the benefit of the holders of the Notes.”

CONSUMER PORTFOLIO SERVICES, INC. entered into a asset purchase with CPS Auto Receivables Trust 2022-D valued at approximately $337.4 million (effective 2022-10-26).

“On October 26, 2022, the registrant Consumer Portfolio Services, Inc. ("CPS") and its wholly owned subsidiary CPS Receivables Five LLC ("Subsidiary") entered into a series of agreements under which Subsidiary purchased from CPS, and sold to CPS Auto Receivables Trust 2022-D (the "Trust"), approximately $337.4 million of subprime automotive receivables (the " Receivables").”

Jeffrey P. Fritz retired as Chief Financial Officer and Executive Vice President – Finance at CONSUMER PORTFOLIO SERVICES, INC..

“The Company also announced the retirement of Jeffrey P. Fritz as its Chief Financial Officer and Executive Vice President – Finance.”

Denesh 'Danny' Bharwani was appointed as Chief Financial Officer and Senior Vice President - Finance at CONSUMER PORTFOLIO SERVICES, INC..

“On September 23, 2022, Consumer Portfolio Services, Inc. (the “Company”) announced that it has appointed Denesh “Danny” Bharwani as its Chief Financial Officer and Senior Vice President - Finance.”