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CONSUMER PORTFOLIO SERVICES, INC. (CPSS) senior vice president Noel Jackson reported an option exercise-and-sale sequence on September 1, 2026. He exercised stock options for 7,500 shares of common stock at an exercise price of $2.47 per share, acquiring 7,500 shares, and then sold 7,500 shares of common stock at $9.31 per share. The option exercise relates to a 30,000-share grant that vested in four equal installments; after this exercise, 13,131 stock options remain directly held. No Rule 10b5-1 trading plan is reported.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) reported that Charles E. Bradley Jr., its CEO, director and ten percent owner, sold 125,000 shares of common stock in an open market or private transaction on August 26, 2026, at $9.46 per share. Following this sale, he directly owns 4,099,545 shares of CPSS common stock. The filing does not indicate that the transaction was made under a Rule 10b5-1 trading plan.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) updated the interest rates on its Renewable Unsecured Subordinated Notes, effective August 26, 2026. Annual interest rates vary by note term and investor “Portfolio Amount,” ranging from 4.50% for a 3‑month note at $1,000–$24,999 up to 8.40% for a 4‑year note at $100,000 or more. The supplement states that, where inconsistent, these specific rate terms control over the related base prospectus and prior prospectus supplement. The notes are being offered to investors in a defined list of U.S. states, including large markets such as California, Florida, New York, Ohio, Texas and others.
Consumer Portfolio Services, Inc. (CPSS) is offering up to $50,000,000 in renewable unsecured subordinated notes to new and existing investors, sold directly to the public at 100% of principal with no selling commissions. Investors may choose maturities from three months to ten years and various interest payment schedules; rates are fixed for each term and set from time to time in separate interest rate supplements, with potentially higher rates for larger aggregate holdings.
The notes are unsecured and deeply subordinated, ranking junior to substantially all existing and future CPS indebtedness and other obligations, and pari passu only with other CPS renewable unsecured subordinated notes. As of June 30, 2026, CPS had $3,979.8 million of debt and $4,074.5 million of obligations senior to these notes. The notes automatically renew at maturity unless CPS elects to repay or the holder requests repayment within 15 days; CPS may redeem them at par plus accrued interest on 30 days’ notice. There is no trading market, transfers require CPS consent, and the indenture contains only limited restrictive covenants. Net proceeds are intended to fund purchases of automobile contracts and for other general corporate purposes.
CONSUMER PORTFOLIO SERVICES, INC. (CPSS) furnished an investor presentation updating operating and financial metrics as of June 30, 2026. The company reports a managed portfolio of $4.43 billion and 59 consecutive profitable quarters.
For the quarter ended June 30, 2026, auto contract purchases were $757.7 million versus $433.0 million a year earlier, and the total portfolio reached $4.31 billion. Interest income was $118.1 million and net income $6.2 million, or $0.27 per diluted share, compared with $4.8 million, or $0.20, in the prior-year quarter. Delinquencies (30+ days past due plus repossession inventory) were 12.16% of the owned portfolio and annualized net charge-offs were 7.28%.
The presentation highlights CPSS’s sub-prime auto focus, AI-driven credit and servicing scorecards, and broad footprint with contracts purchased in 47 states. Management notes a 75% increase in loan origination volume over June 2025, record portfolio size, and shareholders’ equity of $319.2 million, the highest in company history.
Consumer Portfolio Services, Inc. (CPSS) reported the closing of a $80.0 million securitization backed by residual interests from its previously issued auto-loan securitizations. A qualified institutional buyer purchased $80.0 million of asset-backed notes bearing a 10.25% coupon in a private, unregistered offering.
The notes are secured by residual interests in four CPS securitizations issued between April 2022 and April 2023 and by an 80% interest in a CPS majority owned affiliate that holds residuals in three securitizations issued between July 2023 and April 2026. A portion of the proceeds was used to fully repay notes from a higher coupon residual interest financing completed in March 2024, and the related residual interests now secure this new transaction. Monthly payments on the notes include interest at the coupon rate and, if needed, principal to maintain a specified minimum collateral ratio.
CONSUMER PORTFOLIO SERVICES, INC. Sr. Vice President Catrina Marie Ralston reported a sale of 3,617 shares of common stock on August 12, 2026, at $9.50 per share in an open market or private transaction. Following this sale, she directly holds 68,262 shares of the company’s common stock.
CONSUMER PORTFOLIO SERVICES, INC. reported that Executive Vice President Chris Terry received a grant of stock options covering 90,000 shares of common stock at an exercise price of $9.20 per share. The options were issued as consideration for services and become exercisable in four equal installments from 2027 through 2030, with an expiration date of August 11, 2033.
CONSUMER PORTFOLIO SERVICES, INC. granted Sr. Vice President Steven Schween a stock option covering 60,000 shares of Common Stock at an exercise price of $9.20 per share. The option was issued as consideration for his services, vests in four equal annual installments beginning August 11, 2027, and expires on August 11, 2033. Following this award, Schween holds 60,000 derivative securities directly.
CONSUMER PORTFOLIO SERVICES, INC. reported that Sr. Vice President Susan Ryan received a grant of stock options covering 60,000 shares of common stock at an exercise price of $9.20 per share. The options vest in four equal installments from 2027 through 2030 and expire on August 11, 2033. The grant was issued as consideration for her services, and following the award she holds options on 60,000 shares.