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CPSS on Nasdaq

CONSUMER PORTFOLIO SERVICES, INC.

CONSUMER PORTFOLIO SERVICES, INC. is an American finance services company, incorporated in California.1 It is headquartered in Las Vegas, Nevada.1 Its shares trade on Nasdaq under the symbol CPSS.1

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Last updated Oct 21, 2026.

Overview

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  • TickerCPSS on Nasdaq1
  • IndustryFinance Services1
  • HeadquartersLas Vegas, Nevada1
  • Incorporated inCA2
  • Business address3800 Howard Hughes Pkwy, Suite 1400, Las Vegas, Nv 891692
  • Filer categoryAccelerated filer, Smaller reporting company2

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We service our automobile contracts from our California, Nevada, Virginia, Florida, and Illinois branches.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

4.4%Net margin5
10.4%Revenue growth, 20255
6.2%Return on equity5
$288.3MFree cash flow5

Where the money goes

Where each dollar of revenue went, fiscal 2025

  • Other costs40¢$174.4M
  • Interest53¢$232.0M
  • Income tax2¢$8.7M
  • Profit4¢$19.3M

Out of $434.5M in revenue.5

Where each dollar of operating cash went, fiscal 2025

  • Capital spending0¢$709.0K
  • Share buybacks3¢$8.7M
  • Kept or used elsewhere97¢$279.6M

Out of $289.0M of cash from operations.5

Financial statements

Revenue67895$434.5M in 2025+26% since 2019
0$200.0M$400.0M$600.0M2019: $345.8M$345.8M20192020: $271.2M$271.2M2020−22%2021: $267.8M$267.8M2021−1%2022: $329.7M$329.7M2022+23%2023: $352.0M$352.0M2023+7%2024: $393.5M$393.5M2024+12%2025: $434.5M$434.5M2025+10%
Net income67895$19.3M in 2025+257% since 2019
0$25.0M$50.0M$75.0M$100.0M2019: $5.4M$5.4M20192020: $21.7M$21.7M2020+301%2021: $47.5M$47.5M2021+119%2022: $86.0M$86.0M2022+81%2023: $45.3M$45.3M2023−47%2024: $19.2M$19.2M2024−58%2025: $19.3M$19.3M2025+1%

Every line of the income statement as filed: the last 3 fiscal years, latest first.5

Period ending2025-12-312024-12-312023-12-31
Interest income$422.7M$364.0M$329.2M
Mark to finance receivables measured at fair value$6.5M$21.0M$12.0M
Other income$5.3M$7.3M$10.8M
Total revenues$434.5M$393.5M$352.0M
Employee costs$95.4M$96.2M$88.1M
General and administrative$52.9M$54.7M$50.0M
Interest$232.0M$191.3M$146.6M
Provision for credit losses-$2.9M-$5.3M-$22.3M
Sales$22.8M$22.8M$21.2M
Occupancy$5.5M$5.6M$6.4M
Depreciation and amortization$881.0K$862.0K$847.0K
Total expenses$406.5M$366.1M$290.9M
Income before income tax expense (benefit)$28.0M$27.4M$61.1M
Income tax expense (benefit)$8.7M$8.2M$15.8M
Net income$19.3M$19.2M$45.3M
Basic$0.88$0.90$2.17
Diluted$0.80$0.79$1.80
Basic21.9M shares21.3M shares20.9M shares
Diluted24.1M shares24.3M shares25.2M shares

Compare CONSUMER PORTFOLIO SERVICES, INC. with another company

Corporate structure

CONSUMER PORTFOLIO SERVICES, INC. sits at the top of its group. 10 entities, 1 country on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of CONSUMER PORTFOLIO SERVICES, INC.

  • CONSUMER PORTFOLIO SERVICES, INC. Las Vegas, Nevada
    • CPS Receivables Five LLC Subsidiary · Delaware, United States
    • Folio Residual Holdings III LLC Subsidiary · Delaware, United States
    • Folio Residual Holdings IV LLC Subsidiary · Delaware, United States
    • Folio Residual Holdings LLC Subsidiary · Delaware, United States
    • Folio Residual Holdings V LLC Subsidiary · Delaware, United States
    • Folio Residual Holdings VI Subsidiary · Delaware, United States
    • Page Eight Funding LLC Subsidiary · Delaware, United States
    • Page Eleven Funding LLC Subsidiary · Delaware, United States
    • Page Nine Funding LLC Subsidiary · Delaware, United States

Built from subsidiaries listed in Exhibit 21 of annual reports filed with the SEC; major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What CONSUMER PORTFOLIO SERVICES, INC. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$11.2M5 Dec 31, 2025$10.7M5 Dec 31, 2024+4.8%
Accumulated depreciation$10.4M5 Dec 31, 2025$9.7M5 Dec 31, 2024+7.0%
Property and equipment, net$771.0K5 Dec 31, 2025$943.0K5 Dec 31, 2024−18.2%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$6.3M5 Dec 31, 2025$11.7M5 Dec 31, 2024−46.0%

Properties, in its own words

Our principal executive offices are located in Las Vegas, Nevada, where we currently lease approximately 45,000 square feet of general office space from an unaffiliated lessor. The annual base rent is approximately $1.6 million through 2029.

Our operating headquarters are located in Irvine, California, where we currently lease approximately 69,000 square feet of general office space from an unaffiliated lessor. The annual base rent is approximately $2.5 million through 2029.

The rest of Item 2

The remaining three regional servicing centers occupy a total of approximately 76,000 square feet of leased space in Chesapeake, Virginia; Maitland, Florida; and Oak Brook, Illinois. The termination dates of such leases range from 2029 to 2032. The annual base rent for these facilities total approximately $1.5 million.

Item 2 of the 10-K filed Mar 16, 2026.4

Leadership

Who has led CONSUMER PORTFOLIO SERVICES, INC., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Charles E. Bradley Jr.2006–2013
  2. Teri Clements2013

Chair

  1. Charles E. Bradley Jr.2013–2022
  2. Teri Clements2013

President

  1. Charles E. Bradley Jr.2006–2022
  2. Teri Clements2013
  3. Michael T. Lavin2023–now

Chief financial officer

  1. Jeffrey P. Fritz2009–2022

Chief operating officer

  1. Michael T. Lavin2021
2010201520202025
Board members and other officers (35)

Subsidiaries and ownership

Subsidiaries (Exhibit 21)

  • CPS Receivables Five LLC Delaware3
  • Folio Residual Holdings III LLC Delaware3
  • Folio Residual Holdings IV LLC Delaware3
  • Folio Residual Holdings LLC Delaware3
  • Folio Residual Holdings V LLC Delaware3
  • Folio Residual Holdings VI Delaware3
  • Page Eight Funding LLC Delaware3
  • Page Eleven Funding LLC Delaware3
  • Page Nine Funding LLC Delaware3

The subsidiaries the company lists in Exhibit 21 of its annual report, as filed.

Former names

  • CONSUMER PORTFOLIO SERVICES INCDec 19, 1996 to Jul 22, 20202

Timeline

  1. Oct 13, 20268-K Entered a material agreement; New debt or obligation53
  2. Aug 25, 20268-K Regulation FD disclosure54
  3. Aug 21, 20268-K Other events55
  4. Aug 4, 20268-K Results of operations56
  5. Jul 24, 20268-K Entered a material agreement; New debt or obligation57
  6. Jul 14, 20268-K Entered a material agreement; New debt or obligation58
  7. May 20, 20268-K Regulation FD disclosure59
  8. May 5, 20268-K Results of operations60
  9. Apr 24, 20268-K Entered a material agreement; New debt or obligation61
  10. Apr 9, 20268-K Entered a material agreement; New debt or obligation62
  11. Apr 2, 20268-K Executive or director change63
  12. Mar 24, 20268-K Regulation FD disclosure64
  13. May 9, 2013New chief executive Teri Clements becomes CEO14
  14. Jan 3, 2006New chief executive Charles E. Bradley Jr. becomes CEO15

Calendar

Coming up

  1. Nov 9, 2026Reports results for the quarter ending Sep/202665

When it reported results

  1. Aug 4, 2026Reported quarterly or annual results56
  2. May 5, 2026Reported quarterly or annual results60
  3. Mar 10, 2026Reported quarterly or annual results66
  4. Nov 10, 2025Reported quarterly or annual results67
  5. Aug 11, 2025Reported quarterly or annual results68
  6. May 13, 2025Reported quarterly or annual results69
  7. Feb 26, 2025Reported quarterly or annual results70
  8. Nov 1, 2024Reported quarterly or annual results71

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

466 filings to the SEC since October 2021: 8 annual reports, 15 quarterly reports, 89 major events, 253 insider forms, 11 large holders, 90 other. The latest 20:

  1. Oct 13, 20268-K EDGAR
  2. Oct 5, 2026ABS-15G ASSET-BACKED SECURITIES REPORT EDGAR
  3. Oct 1, 20264 EDGAR
  4. Sep 30, 2026ARS EDGAR
  5. Sep 30, 2026DEF 14A DEFINITIVE PROXY STATEMENT EDGAR
  6. Sep 3, 20264 EDGAR
  7. Aug 28, 20264 EDGAR
  8. Aug 26, 2026424B2 PROSPECTUS EDGAR
  9. Aug 26, 2026424B2 PROSPECTUS EDGAR
  10. Aug 25, 20268-K CURRENT REPORT EDGAR
  11. Aug 21, 20268-K CURRENT REPORT EDGAR
  12. Aug 14, 20264 EDGAR
  13. Aug 13, 20264 EDGAR
  14. Aug 13, 20264 EDGAR
  15. Aug 13, 20264 EDGAR
  16. Aug 13, 20264 EDGAR
  17. Aug 13, 20264 EDGAR
  18. Aug 13, 20264 EDGAR
  19. Aug 13, 20264 EDGAR
  20. Aug 13, 20264 EDGAR

The 466 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Insider trades

145 open-market trades by officers, directors and large owners since October 2021: 40 buys and 105 sales. Grants, option exercises and gifts are left out.

DateWhoTradeSharesPriceValueFiling
Sep 1, 2026Jackson NoelSr. Vice PresidentSale7,500$9.31$69.8KForm 4
Aug 26, 2026BRADLEY CHARLES E JRCEOSale125,000$9.46$1.2MForm 4
Aug 12, 2026Ralston Catrina MarieSr. Vice PresidentSale3,617$9.50$34.4KForm 4
Aug 10, 2026Ralston Catrina MarieSr. Vice PresidentSale916$9.50$8.7KForm 4
Aug 7, 2026Ralston Catrina MarieSr. Vice PresidentSale467$9.50$4.4KForm 4
Jun 16, 2026Jackson NoelSr. Vice PresidentSale7,000$9.63$67.4KForm 4
Mar 13, 2026WOOD DANIEL SDirectorSale20,000$7.53$150.6KForm 4
Dec 4, 2025ROBERTS WILLIAM BDirectorSale100,000$8.69$869.0KForm 4
Sep 16, 2025Jackson NoelSr. Vice PresidentSale9,369$8.49$79.5KForm 4
Jun 13, 2025Washer GregDirectorSale3,000$10.10$30.3KForm 4
Jun 12, 2025Washer GregDirectorSale6,647$10.06$66.9KForm 4
Jun 11, 2025Washer GregDirectorSale9,648$9.88$95.4KForm 4
Jun 6, 2025Crisp AprilSr. Vice PresidentSale100$9.75$975Form 4
May 16, 2025Washer GregDirectorSale140$8.96$1.3KForm 4
May 15, 2025Washer GregDirectorSale6,254$9.16$57.3KForm 4
Mar 12, 2025ROBERTS WILLIAM BDirectorSale4,176$9.25$38.6KForm 4
Mar 10, 2025ROBERTS WILLIAM BDirectorSale200$9.57$1.9KForm 4
Mar 7, 2025ROBERTS WILLIAM BDirectorSale6,259$9.41$58.9KForm 4
Mar 6, 2025ROBERTS WILLIAM BDirectorSale3,207$9.42$30.2KForm 4
Mar 5, 2025ROBERTS WILLIAM BDirectorSale534$9.40$5.0KForm 4

All 145 trades can be filtered by person here when JavaScript is on.

From Forms 4 filed with the SEC.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Charles E. BradleyJr.$995.0K$5.4M76
2025Michael T. Lavin$470.0K$1.4M76
2025Danny Bharwani$430.8K$1.3M76
2024Chief Executive Officer$995.0K$4.2M76
2024President & Chief Operating Officer$470.0K$960.8K76
2024Executive VicePresident &$386.0K$875.8K76

Held by these funds

The largest holders among investment managers' 13F reports for the quarter ending Jun 30, 2026, the top 25 of 62. Change is in shares since the quarter before.

FundSharesValueShare of the fundChange
Black Diamond Capital Management I, LLLP5,127,165$49.2M32.6%No change
Dimensional Fund Advisors LP1,570,303$15.1M0.0%+4,373
BlackRock, Inc.656,330$6.3M0.0%+21,740
Vanguard Capital Management LLC415,823$4.0M0.0%+2,258
Bridgeway Capital Management, LLC395,611$3.8M0.1%No change
Renaissance Technologies LLC339,958$3.3M0.0%−16,200
Geode Capital Management, LLC225,929$2.2M0.0%+7,452
State Street Corp195,842$1.9M0.0%+41
Empowered Funds, LLC151,758$1.5M0.0%No change
Allianz Asset Management GmbH90,401$867.4K0.0%−69,642
Northern Trust Corp84,817$813.8K0.0%+2,219
Royal Bank Of Canada82,379$790.0K0.0%+1,388
American Century Companies Inc73,680$707.0K0.0%No change
Verity & Verity, LLC65,742$630.8K0.0%−7,266
Vanguard Fiduciary Trust Co62,085$595.7K0.0%+5,725
Vanguard Portfolio Management LLC61,747$592.5K0.0%+6,156
Charles Schwab Investment Management Inc27,918$267.9K0.0%+3,988
Bank of New York Mellon Corp23,022$220.9K0.0%No change
Goldman Sachs Group Inc22,179$212.8K0.0%−13,455
Arrowstreet Capital, Limited Partnership16,621$159.5K0.0%−4,067
Russell Investments Group, Ltd.14,854$142.5K0.0%+4,990
Nuveen, LLC13,510$129.6K0.0%New
Rhumbline Advisers12,074$115.8K0.0%+582
Deutsche Bank Ag\11,945$114.7K0.0%+405
Morgan Stanley8,890$85.3K0.0%−1,513

13F reports cover disclosed long positions in U.S. stocks only.

SEC filer profile

How CONSUMER PORTFOLIO SERVICES, INC. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARCONSUMER PORTFOLIO SERVICES, INC.1
  • CIK0000889609
  • Employer ID (EIN)33-04591354
  • Filer statusAccelerated filer not an emerging growth company; a smaller reporting company; a shell company4
  • Incorporated inCalifornia4
  • Fiscal year endsDecember 311
  • Industry code (SIC)6199 Finance Services1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address3800 Howard Hughes Pkwy, Suite 1400, Las Vegas, NV 891691
  • Phone949.753.68001
  • Shares outstanding21,554,714 as of Jul 24, 202612
  • Public float$79.1M as of Jun 30, 20254
  • AuditorCrowe LLP, Los Angeles, California PCAOB ID 173; it also attests to the company’s internal control over financial reporting4
  • On EDGAR sinceFeb 13, 19961
  • Filings2,024 in all: 4 (890), 8-K (351), 10-Q (89), 424B2 (87), ABS-15G (52), SC 13G/A (50), SC 13D/A (45), 3 (35)1
    All 52 form types

    10-K (33), DEF 14A (32), 5 (31), 11-K (29), 4/A (27), CORRESP (25), 424B3 (22), UPLOAD (22), 10-K/A (20), S-3/A (20), SC 13G (18), 8-K/A (12), S-1/A (12), POS AM (11), S-3 (10), S-8 (9), 144 (8), EFFECT (8), 15-15D (7), ARS (7), PRE 14A (7), SC 13D (5), 10-Q/A (4), 3/A (4), DEFA14A (4), NT 11-K (4), 10QSB (3), ABS-15G/A (3), DEFR14A (3), NT 10-Q (3), 25 (2), 424B5 (2), NT 10-K (2), RW (2), S-1 (2), S-2/A (2), SC TO-I/A (2), SCHEDULE 13D/A (2), 424B4 (1), 5/A (1), 8-A12B (1), PRER14A (1), S-2 (1), SC TO-I (1)

  • Latest filingsAnnual report (10-K) Mar 16, 2026
    Quarterly report (10-Q) Aug 7, 2026
    Proxy statement (DEF 14A) Sep 30, 2026
    Latest 8-K (8-K) Oct 13, 2026

Securities registered for trading

ClassSymbolExchange
Common Stock, no par valueCPSSNasdaq

From the cover page of the 10-K filed Mar 16, 2026 (Section 12(b) of the Exchange Act).4

Risk factors and legal proceedings

The risks CONSUMER PORTFOLIO SERVICES, INC. names in Item 1A of its 10-K filed Mar 16, 2026: 6 risks under these headings, as written.4

  • We are subject to various risks that may materially harm our business, prospects, financial condition and results of operations. An investment in our common stock is speculative and involves risk. In evaluating an investment in shares of our common stock, you should carefully consider the risks described below, together with the other information included in this Annual Report on Form 10-K.
  • Our Results of Operations Will Depend on Our Ability to Secure and Maintain Adequate Credit and Warehouse Financing on Favorable Terms.
  • Our Use of Artificial Intelligence May Expose Us to Risks That Could Impact our Business, Financial Conditions, and Results of Operations.
  • Because We Are Subject to Many Restrictions in Our Existing Credit Facilities and Securitization Transactions, Our Ability to Pay Dividends or Engage in Specified Transactions May Be Impaired.
  • A Pandemic or Other Public Health Emergency Could Have Adverse Effects
  • Effect of Social, Economic and Other Factors on Losses.

Legal proceedings

Consumer Litigation. We are routinely involved in various legal proceedings resulting from our consumer finance activities and practices, both continuing and discontinued. Consumers can and do initiate lawsuits against us alleging violations of law applicable to collection of receivables, and such lawsuits sometimes allege that resolution as a class action is appropriate. For the most part, we have legal and factual defenses to consumer claims, which we routinely contest or settle (for immaterial amounts) depending on the particular circumstances of each case.

In General. There can be no assurance as to the outcomes of the matters described above. We record at each measurement date our best estimate of probable incurred losses for legal contingencies, if any. The amount of losses that may ultimately be incurred cannot be estimated with certainty. However, based on such information as is available to us, the Company is not currently a party to any such material legal proceedings.

Accordingly, we believe that the ultimate resolution of legal proceedings should not have a material adverse effect on our consolidated financial condition. We note, however, that in light of the uncertainties inherent in contested proceedings there can be no assurance that the ultimate resolution of these matters will not be material to our operating results for a particular period, depending on, among other factors, the size of the loss or liability imposed and the level of our income for that period.

The opening of Item 3, Legal Proceedings.4

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