Welcome to our dedicated page for Consumer Port SEC filings (Ticker: CPSS), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Consumer Portfolio Services, Inc. (CPSS) SEC filings page on Stock Titan brings together the company’s regulatory disclosures from the U.S. Securities and Exchange Commission, giving investors direct access to official information about this specialty auto finance business. CPS is an independent finance company that provides indirect automobile financing by purchasing and servicing retail installment sales contracts, and its filings explain how this model operates, how receivables are funded, and how governance and compensation structures are organized.
Through its current reports on Form 8-K, CPS discloses material events such as earnings announcements, securitization transactions, revolving credit agreements, and investor presentations. For example, 8-K filings describe term securitizations of subprime automotive receivables, including the sale of receivables to a trust, issuance of multiple classes of asset-backed notes, credit enhancement features like overcollateralization and reserve accounts, and the treatment of the notes as long-term debt obligations of CPS for accounting and tax purposes. Other 8-Ks discuss entry into material definitive agreements, such as two-year revolving credit facilities secured by automobile receivables, with details on maximum borrowing amounts, advance rates, interest rate spreads, and funding termination dates.
CPS also uses 8-K filings to furnish earnings releases that summarize revenues, operating expenses, pretax income, net income, receivables balances, delinquency levels, and net charge-offs for its auto loan portfolio. These filings provide a structured view of portfolio performance and credit risk. Additional 8-Ks may furnish investor presentations that the company makes available on its website, offering further context on strategy and financial metrics.
The company’s definitive proxy statement on Schedule DEF 14A contains information about its annual meeting of shareholders, including proposals to elect directors, ratify independent auditors, approve advisory resolutions on executive compensation, and adopt equity incentive plans. Within these materials, investors can review voting mechanics, board recommendations, and the structure of plans such as the Consumer Portfolio Services, Inc. 2025 Equity Incentive Plan, which authorizes various forms of equity-based awards.
On Stock Titan, these filings are complemented by AI-powered summaries that explain the significance of each document in clear language. Real-time updates from EDGAR ensure that new 8-Ks, proxy statements, and other filings appear promptly, while AI-generated highlights help users quickly identify key points about CPS’s securitizations, funding arrangements, earnings results, and governance decisions. Investors can also use the filings page to monitor information relevant to executive compensation and equity incentive plans, as well as the company’s ongoing communications about its specialty auto finance operations.
Consumer Portfolio Services, Inc. completed a $50 million securitization of residual interests from previously issued auto loan securitizations. Qualified institutional buyers purchased $50 million of asset-backed notes bearing an 8.75% coupon, secured by an 80% interest in a majority-owned affiliate holding residual interests in four CPS deals issued from January 2025 through October 2025.
The collateral includes 80% of cash in underlying spread accounts and 80% of over-collateralization from the related securitizations. Noteholders will receive monthly interest and, when needed, principal payments designed to keep a specified minimum collateral ratio in place. The securities were sold via a private offering not registered under federal or state securities laws.
CONSUMER PORTFOLIO SERVICES, INC.February 18, 2026, held through Schwab CBP LP.
Consumer Portfolio Services, Inc. reported that its board appointed Scott W. Carnahan as a director, effective immediately, to fill the vacancy created by the prior resignation of William B. Roberts. He will serve until the 2026 annual meeting and until a successor is elected and qualified.
Carnahan brings more than 40 years of accounting, consulting, regulatory compliance, and executive leadership experience in the financial institutions sector, including senior roles at FTI Consulting and KPMG, where he led the structured finance practice and advised on over $2 trillion in transactions.
He is a senior advisor to FTI Consulting, which had previously provided consulting services to the company. Consumer Portfolio Services paid FTI approximately $127,000 in the fiscal year ended December 31, 2024 and $173,000 in the fiscal year ended December 31, 2025, before that engagement ended in September 2025. Carnahan will be compensated under the company’s non-employee director compensation program.
Bharwani Denesh reported disposition transactions in a Form 4 filing for CPSS. The filing lists transactions totaling 9,000 shares. Following the reported transactions, holdings were 301,881 shares.
Consumer Portfolio Services, Inc. reported that director William B. Roberts resigned from the board effective January 30, 2026. The company stated that his resignation was not due to any dispute or disagreement regarding its operations, policies, or practices and expressed appreciation for his many years of board service.
Consumer Portfolio Services executive vice president Teri Robinson reported two insider transactions involving gifts of company common stock held through the Teri Lee Robinson Living Trust. On July 21, 2025 and January 7, 2026, the trust made bona fide gifts of 660 shares each at a reported price of $0.00, meaning no payment was received. Following the most recent gift, the living trust indirectly holds 497,125 shares of Consumer Portfolio Services common stock.
Consumer Portfolio Services, Inc. completed a subprime auto loan securitization on January 27, 2026. A wholly owned subsidiary bought about
The Trust issued and sold
Consumer Portfolio Services, Inc. director William B. Roberts reported an insider sale of the company’s common stock. On 12/04/2025, he sold 100,000 shares at a price of $8.69 per share. After this transaction, he beneficially owns 485,702 shares of Consumer Portfolio Services common stock, held directly.
Consumer Portfolio Services, Inc. reported results of its annual shareholder meeting held on November 19, 2025. Shareholders approved the new 2025 Equity Incentive Plan, which authorizes equity-based awards tied to up to 4,501,330 shares of common stock, plus certain shares that may return to the pool from forfeited or cancelled awards under the prior 2006 plan. The plan covers employees, officers, non-employee directors, consultants and advisors, and allows options, stock appreciation rights, restricted stock, restricted stock units, performance awards and other stock-based awards.
All nine director nominees were elected. Shareholders also ratified the appointment of Crowe LLP as independent auditors for the fiscal year ending December 31, 2025, approved an advisory resolution on named executive officer compensation, and approved the 2025 Equity Incentive Plan. In an advisory vote on frequency of future say-on-pay votes, shareholders favored annual votes, and the board decided to continue holding the advisory executive compensation vote every year.
Consumer Portfolio Services, Inc. (CPSS) has updated the annual interest rates on its renewable unsecured subordinated notes effective November 24, 2025. Rates vary by note term from 3 months to 4 years and by portfolio amount, with higher investment tiers receiving higher yields.
The notes are currently offered to investors in selected U.S. states, including large markets such as California, Florida, New York, Texas, and others listed in the document. This interest rate supplement is intended to be used together with, and to the extent of any inconsistency supersedes, the descriptions of these notes in the base prospectus and accompanying prospectus supplement.