CPSS CONSUMER PORTFOLIO SERVICES, INC.

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business: Purchases and services sub-prime retail automobile contracts from franchised and independent dealers in the U.S.
• • New offering: Began direct-to-consumer auto loan refinancing platform in Dec 2025, with 0.9% of portfolio under this segment by year-end
• • Strategic update: Terminated direct lending platform in Sept 2023; focus shifted to refinancing and traditional dealer-sourced contracts
• • Quantitative highlight: Managed portfolio grew to $3.9 billion at Dec 31, 2025, up from $3.7 billion in 2024; 118 salespersons supporting 7,700 dealer applications in 47 states
• • Noteworthy fact: Automated credit decisioning system produced initial decisions within seconds on 99% of 3.3 million applications received in 2025

Risk Factors

• • Cybersecurity risk managed by Senior VP Systems and VP IT with 15-20 years experience, board receives annual security status reports
• • Information security policies aim to prevent, detect, and remediate cybersecurity incidents critical to operations
• • IT leadership directly oversees risk related to originations, accounting, and collection systems impacting operational results

Management Discussion & Analysis

• • Revenue $434.5M, up 10.4% YoY from $393.5M in 2024, driven by $58.7M (16.1%) increase in interest income to $422.7M
• • Operating expenses $406.5M, up 11.0% YoY from $366.1M; interest expense rose 21.3% to $232.0M (57.1% of expenses); net interest margin 5.2% vs 5.4%
• • Best segment: Loan portfolio with average balance $3.69B (+15.1%) and interest yield 11.4% vs 11.3% in 2024; worst: Other income down 38.3% to $5.3M
• • Capital allocation: no direct buyback/dividend info; increased warehouse credit facility capacity to $702.5M; securitizations totaled $1.73B in 2025
• • Forward outlook: risk from credit performance deterioration could impact liquidity; management compliant with financial covenants as of Dec 31, 2025

What are the latest CPSS SEC filings in 2026?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) has filed a 10-K annual report on March 16, 2026, a 10-Q quarterly report on May 8, 2026, an 8-K current report on August 4, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did CPSS file its most recent 10-K annual report?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) filed its most recent 10-K annual report on March 16, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view CPSS 10-Q quarterly reports?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s most recent 10-Q quarterly report was filed on May 8, 2026. SignalX displays every CPSS 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has CPSS filed recently?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s most recent 8-K was filed on August 4, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find CPSS insider trading activity (Form 4)?

SignalX aggregates every CPSS Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does CPSS file with the SEC?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new CPSS filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for CONSUMER PORTFOLIO SERVICES, INC. (CPSS).

What is CPSS's SEC CIK number?

CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s SEC CIK (Central Index Key) number is 889609. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 889609 to look up all CPSS filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find CPSS return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from CONSUMER PORTFOLIO SERVICES, INC. (CPSS) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.