CPSS at a glance
CONSUMER PORTFOLIO SERVICES, INC. (CPSS, SEC CIK 889609) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 25, 2026 and Form 4 insider filings as recently as October 1, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CONSUMER PORTFOLIO SERVICES, INC. (CPSS) reported revenue of $434.5 million (up 10.4% from FY2024) and net income of $19.3 million. Diluted EPS was $0.80.
- As of June 30, 2026, 16 institutional investment managers tracked by SignalX reported holding CONSUMER PORTFOLIO SERVICES, INC. (CPSS) shares worth $32.6 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Jackson Noel on September 1, 2026 of 7,500 shares at $9.31 per share.
- In the last 90 days, CPSS insiders reported 0 open-market purchases ($0) and 5 open-market sales ($1.3M) on Form 4, a net sale of $1.3M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $434.5M
- +10.4% vs prior year
- Insiders · 90 days
- 0 buys · 5 sells
- Net −$1.3M
- 13F holders
- 16 funds
- $32.6M · −1 vs prior quarter
- Latest 8-K
- Aug 25, 2026
- Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the CPSS 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Quarterly revenue $121.4M, up $11.6M or 10.6% YoY from $109.8M
- Interest income $118.1M, up 12.1% YoY; portfolio yield 11.3% vs 11.4%
- Net interest income $53.9M vs $46.7M; net interest yield 5.1% vs 5.1%
- Contracts purchased $757.7M vs $433.0M; managed portfolio $4,306.7M vs $3,708.4M
- March 2026 residual-interest securitization raised $50M; warehouse capacity $725.0M at June 30, 2026
Risk Factors
- Debt burden: $4,008.3 million outstanding at June 30, 2026, including $3,131.1 million securitization trust debt
- Warehouse funding risk: warehouse-line debt increased $355.0 million since December 31, 2025
- Refinancing risk: subordinated renewable notes carry maturities from six months to 10 years
- Residual-interest financing: $168.8 million of residual-interest debt remained outstanding at June 30, 2026
AI summary of the CPSS 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 7.01: Regulation FD Disclosure
- Investor presentation released under Regulation FD, providing updated company information for market participants
- 20-slide presentation attached as an exhibit and posted to CPSS’s investor-relations website
Item 8.01: Other Events
- $80 million securitization monetizes residual interests from seven CPS securitizations issued April 2022–April 2026
- Notes carry a 10.25% coupon, creating a meaningful financing cost for CPS
Item EX-99.1: Item EX-99.1
- $80.0M securitization monetizes residual interests from seven prior securitizations and an 80% MOA stake
- Notes carry a 10.25% coupon, creating a new secured financing obligation
Item 2.02: Results of Operations and Financial Condition
- Q2 and six-month 2026 earnings announced for periods ended June 30, 2026
- Conference call scheduled August 5, 2026 at 1:00 p.m. ET to discuss operating results
Item EX-99.1: Item EX-99.1
- Q2 revenue rose 10.6% to $121.4M and net income increased 30% to $6.2M
- Diluted EPS climbed 35% to $0.27 from $0.20, signaling earnings growth despite higher operating expenses
AI summaries of CPSS 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CPSS
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Robinson Teri | G | Oct 1, 2026 | 660 | - |
| Jackson Noel | M | Sep 1, 2026 | 7,500 | $2.47 |
| Jackson Noel | Sell | Sep 1, 2026 | 7,500 | $9.31 |
| Jackson Noel | M | Sep 1, 2026 | 7,500 | - |
| BRADLEY CHARLES E JR | Sell | Aug 26, 2026 | 125,000 | $9.46 |
| Ralston Catrina Marie | Sell | Aug 12, 2026 | 3,617 | $9.50 |
| Carnahan Scott W. | A | Aug 11, 2026 | 30,000 | - |
| Bharwani Denesh | A | Aug 11, 2026 | 90,000 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $352.0M | $393.5M | $434.5M |
| Net Income | $45.3M | $19.2M | $19.3M |
| Net Margin | 12.9% | 4.9% | 4.4% |
| Balance Sheet | |||
| Total Assets | $2.9B | $3.5B | $3.9B |
| Equity | $274.7M | $292.8M | $309.5M |
| ROE | 16.5% | 6.6% | 6.2% |
| Per Share | |||
| EPS | - | $0.79 | $0.80 |
| Cash Flow | |||
| Operating CF | $238.0M | $233.8M | $289.0M |
| CapEx | $559K | $433K | $709K |
Source: XBRL data in CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CPSS share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 16 | $32.6M |
| Q1 2026 | 17 | $26.2M |
| Q4 2025 | 15 | $32.4M |
| Q3 2025 | 15 | $27.6M |
| Q2 2025 | 15 | $35.5M |
| Q1 2025 | 14 | $25.9M |
| Q4 2024 | 10 | $31.8M |
| Q3 2024 | 7 | $22.3M |
- BlackRock+21.7K (+3%)
- Vanguard Portfolio Management LLC+6.2K (+11%)
- Dimensional Fund Advisors+4.4K (+0%)
- Wells Fargo & Co+4.0K (+112%)
- Citigroup+3.8K (+850%)
- Renaissance Technologies LLC−16.2K (-5%)
- Goldman Sachs Group−13.5K (-38%)
- Morgan Stanley−1.5K (-15%)
- JPMorgan Chase & Co−105 (-3%)
- Bank of America Corp−10.6K
Source: 13F-HR filings on SEC EDGAR (aggregated from 109 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CPSS filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Oct 1, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Aug 28, 2026 | - | - | - |
| 8-K | Aug 25, 2026 | - | Analysis | - |
| 8-K | Aug 21, 2026 | - | Analysis | - |
| 4 | Aug 14, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 10, 2026 | - | - | - |
| 4 | Aug 7, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis |
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CPSS SEC filings: frequently asked questions
Are CPSS insiders buying or selling?
In the last 90 days, CONSUMER PORTFOLIO SERVICES, INC. (CPSS) officers, directors and 10% owners reported no open-market purchases and 5 open-market sales worth $1.3 million by 3 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CPSS stock?
As of June 30, 2026, the largest CONSUMER PORTFOLIO SERVICES, INC. (CPSS) holders among the 13F filers tracked by SignalX were Dimensional Fund Advisors ($15.1 million), BlackRock ($6.3 million), Vanguard Capital Management LLC ($4.0 million), Renaissance Technologies LLC ($3.3 million), State Street Corp ($1.9 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CPSS's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CONSUMER PORTFOLIO SERVICES, INC. (CPSS) reported revenue of $434.5 million (up 10.4% from FY2024) and net income of $19.3 million. Diluted EPS was $0.80. The figures come from the XBRL data in the 10-K.
What are the main risks in CPSS's latest 10-K?
In the 10-K filed March 16, 2026, CONSUMER PORTFOLIO SERVICES, INC. (CPSS) flagged: 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. (AI summary of the Risk Factors section.)
What did CPSS report in its latest 8-K?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) filed an 8-K on August 25, 2026 reporting Item 7.01 (Regulation FD Disclosure). Investor presentation released under Regulation FD, providing updated company information for market participants.
What are the latest CPSS SEC filings?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) filed its latest 10-K annual report on March 16, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on August 25, 2026 and a Form 4 insider filing on October 1, 2026.
What is CPSS's SEC CIK number?
CONSUMER PORTFOLIO SERVICES, INC. (CPSS)'s SEC Central Index Key (CIK) is 889609. EDGAR lists every CPSS filing under that number.
Ask anything about CPSS
The research agent reads CPSS's filings, financials, insider trades and 13F holders, then answers with sources.