Consumer Portfolio Services, Inc. (CPSS) — SEC Filings
Consumer Portfolio Services, Inc. (CPSS) — 46 SEC filings. Latest: 424B2 (Apr 13, 2026). Includes 33 8-K, 6 10-Q, 2 424B2.
View Consumer Portfolio Services, Inc. on SEC EDGAR
Overview
Consumer Portfolio Services, Inc. (CPSS) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 8-K filed on Apr 9, 2026: On April 3, 2026, Consumer Portfolio Services, Inc. entered into a material definitive agreement and created a direct financial obligation. The company filed an 8-K report detailing these events, which include financial obligations and potentially new agreements.
Sentiment Summary
Across 46 filings, the sentiment breakdown is: 2 bearish, 43 neutral, 1 mixed. The dominant filing sentiment for Consumer Portfolio Services, Inc. is neutral.
Filing Type Overview
Consumer Portfolio Services, Inc. (CPSS) has filed 2 424B2, 33 8-K, 6 10-Q, 2 DEF 14A, 2 10-K, 1 SC 13G/A with the SEC between Jan 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (46)
Risk Profile
Risk Assessment: Of CPSS's 42 recent filings, 1 were flagged as high-risk, 24 as medium-risk, and 17 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $108.421M |
| Net Income | $4.853M |
| EPS | $0.20 |
| Debt-to-Equity | 11.39 |
| Cash Position | $9.388M |
| Operating Margin | 5.74% |
| Total Assets | $3.809B |
| Total Debt | $3.502B |
Key Executives
- Charles E. Bradley, Jr.
- Brian Rayhill
- Stephen H. Deckoff
- Louis M. Grasso
- William W. Grounds
- William B. Roberts
- James E. Walker III
- Daniel S. Wood
- Robert L. Johnson
- Arthur A. Ryan
- David R. Johnson
- M. Shane Freeman
- M. Scott Davis
- Robert J. Glaser
Industry Context
Consumer Portfolio Services operates in the consumer finance industry, which is characterized by high competition and sensitivity to economic conditions and interest rate movements. The industry relies heavily on securitization markets for funding and is subject to evolving regulatory scrutiny regarding consumer protection and lending practices.
Top Tags
financial-obligation (11) · material-agreement (7) · 8-K (6) · 8-k (4) · financial-statements (4) · 10-Q (4) · executive-compensation (4) · material-definitive-agreement (4) · SEC Filing (3) · financial-condition (3)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Interest Income | $107.166M | Increased from $93.158M in Q3 2024, driving revenue growth. |
| Net Income (Q3 2025) | $4.853M | Slight increase from $4.796M in Q3 2024. |
| Finance Receivables at Fair Value | $3.624B | Increased from $3.313B at Dec 31, 2024, indicating portfolio expansion. |
| Interest Expense (Q3 2025) | $59.098M | Increased from $50.056M in Q3 2024, reflecting higher debt costs. |
| Securitization Trust Debt | $2.916B | Increased from $2.594B at Dec 31, 2024, showing reliance on debt financing. |
| Shares Repurchased | 641,299 | For $6.119M during the nine months ended Sep 30, 2025. |
| Average Share Repurchase Price | $9.54 | For shares repurchased during the nine months ended Sep 30, 2025. |
| Mark to Finance Receivables (9M 2025) | $6.500M | Decreased from $16.000M in 9M 2024, impacting total revenues. |
| Shares of CPS Common Stock outstanding | 22,071,046 | As of the record date, October 23, 2025, each share is entitled to one vote. |
| Annual Meeting Date | November 19, 2025 | Date shareholders will vote on proposals. |
| Record Date | October 23, 2025 | Date for determining shareholders entitled to vote. |
| Number of Directors Nominated | 9 | All directors are nominated for a one-year term. |
| Annual Meeting Time | 10:00 a.m. | Local time for the shareholder meeting. |
| Year Charles E. Bradley, Jr. became CEO | 1991 | Indicates long tenure of current CEO. |
| Fiscal Year for Auditor Ratification | 2025 | Crowe LLP is proposed as independent auditors for this fiscal year. |
Forward-Looking Statements
- {"claim":"Other institutional investors may re-evaluate their positions in Consumer Portfolio Services Inc. following Dimensional Fund Advisors LP's reduced stake.","entity":"Consumer Portfolio Services Inc.","targetDate":"Q2 2024","confidence":"medium"}
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Frequently Asked Questions
What are the latest SEC filings for Consumer Portfolio Services, Inc. (CPSS)?
Consumer Portfolio Services, Inc. has 46 recent SEC filings from Jan 2024 to Apr 2026, including 33 8-K, 6 10-Q, 2 424B2. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of CPSS filings?
Across 46 filings, the sentiment breakdown is: 2 bearish, 43 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Consumer Portfolio Services, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Consumer Portfolio Services, Inc. (CPSS) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Consumer Portfolio Services, Inc.?
Key financial highlights from Consumer Portfolio Services, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for CPSS?
The investment thesis for CPSS includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Consumer Portfolio Services, Inc.?
Key executives identified across Consumer Portfolio Services, Inc.'s filings include Charles E. Bradley, Jr., Brian Rayhill, Stephen H. Deckoff, Louis M. Grasso, William W. Grounds and 9 others.
What are the main risk factors for Consumer Portfolio Services, Inc. stock?
Of CPSS's 42 assessed filings, 1 were flagged high-risk, 24 medium-risk, and 17 low-risk.
What are recent predictions and forward guidance from Consumer Portfolio Services, Inc.?
Recent forward-looking statements from Consumer Portfolio Services, Inc. include guidance on {"claim":"Other institutional investors may re-evaluate their positions in Consumer Portfolio Services Inc. following Di.