Consumer Portfolio Services Q3 2026 profit rises 43.3%

Available on EDGAR 11/13/2026 - 03:12 PM EST Accepted by SEC EDGAR 11/13/2026 - 03:12 PM EST

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Form Type

8-K

Rhea-AI Filing Summary

Consumer Portfolio Services, Inc. (CPSS) made available a 20-slide investor presentation reporting third-quarter financial and portfolio measures. For Q3 2026, total revenues were $131.9 million, up 21.7% from $108.4 million a year earlier; pretax income was $10.1 million, up 44.3%, and net income was $6.9 million, up 43.3%. Diluted EPS was $0.30, compared with $0.20 a year earlier, a 50.0% increase.

Auto contract purchases reached $815 million, up 109% year over year, while total portfolio was $4.711 billion, up 25%. Total delinquencies and repossession inventory were 12.29%, compared with 13.96%; annualized net charge-offs were 7.26%, compared with 8.01%; and auction recovery rate was 32.0%, compared with 28.7%. At September 30, 2026, finance receivables were $4.6246 billion and shareholders’ equity was $324.5 million. The presentation says forward-looking estimates on credit losses and fair value depend on future loss estimates and identifies economic, funding, borrower, dealer, regulatory and used-vehicle-price risks.

6 points · 0 major

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It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.

Rhea-AI Sentiment measures something else, the tone of the wording.

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0 major · 0 points

How the balance works

Positive

Moderate pointTotal revenues rose 21.7% year over year to $131.9 million.
Moderate pointNet income rose 43.3% year over year to $6.9 million.
Moderate pointAuto contract purchases rose 109% year over year to $815 million.
Moderate pointDelinquencies and repossession inventory fell 167 basis points to 12.29%.
Moderate pointAnnualized net charge-offs fell 75 basis points to 7.26%.
Moderate pointAuction recovery rate rose 328 basis points to 32.0%.

Negative

None.

8-K Event Classification

2 items: 7.01, 9.01

2 items

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, or exhibit attachments filed with this report.

Key Figures

Total revenues: $131.9 million Net income: $6.9 million Diluted EPS: $0.30 +5 more

8 metrics

Total revenues $131.9 million Q3 2026; up 21.7% year over year from $108.4 million

Net income $6.9 million Q3 2026; up 43.3% year over year from $4.8 million

Diluted EPS $0.30 Q3 2026; up 50.0% from $0.20 in Q3 2025

Auto contract purchases $815 million Q3 2026; up 109% year over year from $391 million

Total portfolio $4,711 million Q3 2026; up 25% year over year from $3,760 million

Total delinquencies and repo inventory 12.29% Q3 2026; down 167 basis points from 13.96% in Q3 2025

Annualized net charge-offs 7.26% Q3 2026; down 75 basis points from 8.01% in Q3 2025

Auction recovery rate 32.0% Q3 2026; up 328 basis points from 28.7% in Q3 2025

Key Terms

cumulative net loss, securitization markets, Warehouse Line of Credit, Residual Interest Financing, +2 more

6 terms

cumulative net loss financial

"portfolio is measured in terms of CNL (cumulative net loss)"

securitization markets financial

"fund contract purchases primarily through the securitization markets"

Securitization markets are where pools of loans or other cash-generating assets (like mortgages, auto loans, or credit-card receivables) are bundled, converted into tradable securities, and sold to investors. Investors use these markets to gain exposure to regular income streams and to spread risk much like buying slices of a large pizza instead of the whole pie; changes in credit quality, interest rates, or regulatory rules can affect returns and liquidity, so they matter for portfolio income, risk management, and market stability.

Warehouse Line of Credit financial

"Balance Sheet Item: Warehouse Line of Credit"

A warehouse line of credit is a short-term loan that a lender provides to a company or a smaller lender to fund inventory, loans, or goods before those assets are sold or packaged into a longer-term financing product. It matters to investors because it smooths cash flow and supports growth—like a bridge loan for stock—so problems with the line can signal liquidity stress and affect a company’s ability to operate or expand.

Residual Interest Financing financial

"Balance Sheet Item: Residual Interest Financing"

A financing arrangement where a lender or investor provides cash now in exchange for a claim on the leftover future value or ongoing cash flows from an asset or pool of assets, rather than a simple fixed loan repayment. It matters to investors because returns and obligations depend on how those assets perform: good performance can boost the financier’s payoff, while weak performance can reduce or eliminate expected returns, so this structure shifts more risk and reward tied to the underlying asset—think of selling a house but keeping the right to any future appreciation.

payment-to-income (PTI) financial

"10.9% payment-to-income (PTI)"

Payment-to-income (PTI) is the share of a borrower’s regular income that goes toward a specific loan payment, usually calculated as the monthly payment divided by monthly gross income. Investors use PTI to judge how stretched a borrower is—like seeing what portion of a paycheck is eaten by rent—and higher PTI ratios suggest greater risk of missed payments and poorer loan performance.

auction recovery rate financial

"Auction Recovery Rate"

FAQ

AI-generated questions and answers. How Rhea-AI works. Not financial advice.

How much revenue and net income did CPSS report for Q3 2026?

CPSS reported $131.9 million in total revenues and $6.9 million in net income for Q3 2026. Total revenues were up 21.7% and net income was up 43.3% year over year; diluted EPS was $0.30, compared with $0.20.

How much did CPSS auto contract purchases increase in Q3 2026?

Auto contract purchases were $815 million in Q3 2026, up 109% from $391 million in Q3 2025. The presentation also lists total portfolio at $4,711 million in Q3 2026, compared with $3,760 million a year earlier.

What borrower profile did CPSS report for Q3 2026?

The average borrower profile included household income of $73,241, age of 40 years, and job tenure of 5.1 years. The presentation also lists a 10.9% payment-to-income ratio, 33.4% debt-to-income ratio, and 20.7% homeownership rate.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) November 13, 2026

	CONSUMER PORTFOLIO SERVICES, INC.
	(Exact Name of Registrant as Specified in Charter)

california

1-11416

33-0459135

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

	3800 Howard Hughes Pkwy, Suite 1400, Las Vegas, NV 89169
	(Address of Principal Executive Offices) (Zip Code)

Registrant’s telephone number, including area code (949) 753-6800

	Not Applicable
	(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class	Trading Symbol(s)	Name of each exchange on which registered
Common Stock, no par value	CPSS	The Nasdaq Stock Market LLC (Global Market)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

ITEM 7.01. REGULATION FD DISCLOSURE.

We are today making available one presentation consisting of 20 slides. A copy is attached as an exhibit. Although the exhibit is an update of similar presentations made available from time to time as an exhibit to a report on Form 8-K, we are not undertaking to update further any of the information that is contained in the attached presentation. The same presentation furnished as an exhibit to this report will be made available on our website, at this address:

http://ir.consumerportfolio.com/events-and-presentations/presentations

We routinely post important information, including news releases and reports to the U.S. Securities and Exchange Commission, on our website.

The information furnished in this report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

ITEM 9.01. FINANCIAL STATEMENTS AND EXHIBITS.

Neither financial statements nor pro forma financial information are filed with this report.

(d) Exhibits

One exhibit is included with this report:

99.1	Company Summary as of September 30, 2026
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	CONSUMER PORTFOLIO SERVICES, INC.


Dated: November 13, 2026	By: /s/ Denesh Bharwani
	Denesh Bharwani Executive Vice President and Chief Financial Officer Signing on behalf of the registrant

Exhibit 99.1

Leaders in Auto Finance Since 1991 Company Overview and Investor Presentation - September 2026 Consumer Portfolio Services, Inc.

SAFE HARBOR STATEMENT Forward - looking statements in this presentation include the Company’s expectations of growth and the Company's allowances for credit losses, fair value estimates, provision for credit losses, and related figures. In each case, such figures are forward - looking statements because they depend on the Company’s estimates of future losses. Actual results may differ due to various factors including: increased delinquencies, repossessions, and losses; incorrect prepayment speed or discount rate assumptions; competition or the loss of dealer relationships or qualified personnel; reduced availability or increased cost of warehouse and securitization funding, including due to interest rate or capital market conditions; increases in consumer bankruptcy filings; changes in government regulations affecting consumer credit; declines in used vehicle prices; economic conditions in geographic areas in the Company's principal markets; and our ability to generate sufficient operating and financing cash flows. Any or all such factors also may affect the Company’s future financial results, as to which there can be no assurance. Results of the most recent quarter are not necessarily indicative of future results. Additional risks are described in the Company's filings with the Securities and Exchange Commission, including its most recent Annual Report on Form 10 - K and subsequent Quarterly Reports on Form 10 - Q. The Company undertakes no obligation to update any forward - looking statement, except as required by law. 2 Company Overview and Investor Presentation - September 2026

$4.84B MANAGED PORTFOLIO (SEPTEMBER 2026) Active servicing portfolio across 47 states 60 CONSECUTIVE PROFITABLE QUARTERS Consistent growth to shareholder’s equity 110 ABS SECURITIZATIONS Deep and continuous access to institutional capital ~16,000 DAILY APPLICATIONS Strong dealer origination funnel volume 13,000 APPROVED DEALER NETWORK Expanded from 12,000 approved dealers in Q2 2026 1,010 TOTAL HEADCOUNT 5 Operating hubs across NV (HQ), CA, IL, VA, FL Company Overview & Scale About Consumer Portfolio Services, Inc. Consumer Portfolio Services, Inc. (Nasdaq: CPSS) specializes in purchasing and servicing automobile contracts originated by licensed automobile dealers in the sale of new and used automobiles, light trucks and passenger vans. Through our purchases, we provide indirect financing to the customers of the dealership. We fund these contract purchases on a long - term basis primarily through the securitization markets and service the contracts over their lives. 3 Company Overview and Investor Presentation - September 2026

1. AI Modeling Engine Proprietary scorecards utilizing Linear/Logistic Regression, Neural Networks, Decision Trees, Random Forest, and Machine Learning with continuous model calibration. 2. Instant Underwriting Automated decisioning delivers answers within seconds to over 13,000 dealers, prioritizing higher quality contracts and disciplined credit risk selection. 3. Full Lifecycle Scorecards Dedicated predictive scorecards across Originations, Servicing (Collection Behavior & Extensions), Recovery (Repo - Skip), and Dealer/Asset management. 4. Continuous Automation Leveraging decades of industry expertise to systematically automate core workflows, driving operational precision and strict regulatory compliance. The CPS Advantage: Core Pillars Plain and simple. Auto finance since 1991 . 5. Proven Track Record 35+ years navigating every economic cycle. Decades of proprietary historical performance data trains our models. Deep access to capital; with 110 ABS transactions completed. 4 Company Overview and Investor Presentation - September 2026

Charles "Brad" Bradley CEO & Chairman of the Board CEO since 1992. Chairman since 2001. Mike Lavin President, COO & CLO President since 2022, COO since 2019, CLO since 2014. Danny Bharwani Chief Financial Officer CFO since 2022. Leading finance & capital markets. Robert Riedl Chief Risk Officer Re - joined as CRO in 2025. Directs analytics and risk modeling. Executive Leadership Team Senior management comprises 13 executives who each average 25 years with CPS, representing over 300 combined years of specialized auto lending experience. 5 Company Overview and Investor Presentation - September 2026

$1.7 Trillion TAM: Total U.S. auto loan debt outstanding (Q2 2026 Experian Automotive). 13% of U.S. Auto Loan Debt is Subprime: Substantial and recurring market opportunity, driving continuous dealer demand. High Barriers to Entry: Capital - intensive infrastructure, extensive dealer network, complex licensing, and multi - state regulatory compliance protect incumbents. Fragmented Competition: CPS competes on rapid turnaround, proprietary AI credit scorecards, and dealer service. Few dominant players. Market Opportunity 6 Company Overview and Investor Presentation - September 2026

47 States ACTIVE PURCHASING FOOTPRINT Broad nationwide geographic diversification minimizes localized credit and economic risk exposures. 5 Branches REGIONAL OPERATING CENTERS Decentralized servicing and underwriting hubs in Nevada, California, Illinois, Virgina and Florida. Nationwide Dealer Purchasing Top five states by contract funding volume as of Q3 2026 California(Top State) 11.0% Texas 8.0% Ohio 8.0% Florida 6.0% North Carolina 5.0% Geographic Footprint & Reach Strategic Geographic Footprint: Multi - branch national presence aligns collection specialists with regional debtor demographics, fostering stronger rapport, communication, and recovery outcomes. Targeted Portfolio Segmentation: Tailors servicing strategies by routing specific tiers, and risk profiles to dedicated regional hubs based on operational strengths. Cross - Regional Scalability: Diversified office footprint mitigates regional labor bottlenecks and strengthens servicing continuity. 7 Company Overview and Investor Presentation - September 2026

Job Tenure Avg Financed Annual Income Avg FICO Avg Yield % Purchases Program Tier 8.3 yrs $26,915 $104,314 650 14.19% 3% Meta 7.0 yrs $27,569 $89,610 573 16.32% 17% Preferred 5.9 yrs $26,546 $79,294 558 18.37% 16% Super Alpha 5.3 yrs $24,093 $82,145 543 20.50% 19% Alpha Plus 4.4 yrs $21,576 $64,499 552 21.87% 34% Alpha 3.6 yrs $16,869 $57,426 559 23.84% 7% Standard 4.1 yrs $15,885 $56,929 533 24.40% 3% Mercury / Delta 3.0 yrs $14,909 $47,474 590 23.53% 1% First Time Buyer 5.1 yrs $22,965 $73,241 557 20.07% 100% Overall (9M Sept. 2026) Product Offering Matrix Each contract purchase falls into one of our eight lending programs. Each program targets a specific borrower profile. This allows us to serve a broad range of the credit spectrum, and be a single source of funding for our dealership partners. 8 Company Overview and Investor Presentation - September 2026

$73,241 AVG HOUSEHOLD INCOME Up from $72,802 in Q2, demonstrating solid borrower income capacity 40 Yrs AVERAGE BORROWER AGE Mature, experienced core consumer demographic across markets 5.1 Years AVERAGE JOB TENURE Consistent employment history supporting debt service stability 10.9% PAYMENT - TO - INCOME (PTI) Conservative payment burden limits consumer default frequency 33.4% DEBT - TO - INCOME (DTI) Consistent with 33.6% in Q2, reflecting disciplined borrower leverage thresholds 20.7% HOMEOWNERSHIP RATE Significant cohort possessing real property equity and residential stability Borrower Demographics We ensure strict underwriting guardrails to maintain the credit quality of our loan portfolio and protect against downside risk. The average borrower as of Q3 2026 fits the below profile. 9 Company Overview and Investor Presentation - September 2026

Vehicle Type Pre - Owned 71.7% Certified Pre - Owned 14.2% New Vehicles 14.1% Originating Dealership Factory Franchised 72.0% Independent 28.0% Vehicle Make Import Makes 57.0% Domestic Makes 43.0% Vehicle & Dealership Mix We have built and work with an extensive network of 13 , 000 dealership partners in order to provide financing for their customers . The dealer relationships are maintained by our sales force, which includes both inside and outside sales representatives . 10 Company Overview and Investor Presentation - September 2026

Contract Purchase Characteristics 130.0% 125.0% 120.0% 115.0% 110.0% 105.0% 100.0% Sep - 20 Mar - 21 Sep - 21 Mar - 22 Sep - 22 Mar - 23 Sep - 23 Mar - 24 Sep - 24 Mar - 25 Sep - 25 Mar - 26 Sep - 26 Loan to Value 12.0% 11.0% 10.0% 9.0% 8.0% 11 Company Overview and Investor Presentation - September 2026 Sep - 20 Mar - 21 Sep - 21 Mar - 22 Sep - 22 Mar - 23 Sep - 23 Mar - 24 Sep - 24 Mar - 25 Sep - 25 Mar - 26 Sep - 26 Payment to Income 25.0% 20.0% 15.0% 10.0% 5.0% 0.0% Sep - 20 Mar - 21 Sep - 21 Mar - 22 Sep - 22 Mar - 23 Sep - 23 Mar - 24 Sep - 24 Mar - 25 Sep - 25 Mar - 26 Sep - 26 APR $25,000 $20,000 $15,000 $10,000 $5,000 $0 Sep - 20 Mar - 21 Sep - 21 Mar - 22 Sep - 22 Mar - 23 Sep - 23 Mar - 24 Sep - 24 Mar - 25 Sep - 25 Mar - 26 Sep - 26 Amount Financed

Portfolio Performance CNL Percentage 2018 - Q2 2021 - Q1 2023 - Q4 2018 - Q3 2021 - Q2 2024 - Q1 2016 - Q1 2018 - Q4 2021 - Q3 2024 - Q2 2016 - Q2 2019 - Q1 2021 - Q4 2024 - Q3 2016 - Q3 2019 - Q2 2022 - Q1 2024 - Q4 2016 - Q4 2019 - Q3 2022 - Q2 2025 - Q1 2017 - Q1 2019 - Q4 2022 - Q3 2025 - Q2 2017 - Q2 2020 - Q1 2022 - Q4 2025 - Q3 2017 - Q3 2020 - Q2 2023 - Q1 2025 - Q4 2017 - Q4 2020 - Q3 2023 - Q2 2026 - Q1 2018 - Q1 2020 - Q4 2023 - Q3 2026 - Q2 The performance of our portfolio is measured in terms of CNL (cumulative net loss) since time of contract purchase. CNLs of contract purchases by quarter are summarized below. 24.00% 22.00% 20.00% 18.00% 16.00% 14.00% 12.00% 10.00% 8.00% 6.00% 4.00% 2.00% 0.00% 1 3 5 7 9 11 13 15 17 19 21 23 25 27 29 31 33 35 37 39 41 43 45 47 49 51 53 55 57 59 61 63 65 67 69 71 73 75 77 79 81 83 Months Seasoned 12 Company Overview and Investor Presentation - September 2026

Economic Model & Margins (1) Statement of Operations three months ended, as a percentage of the average portfolio. Percentages may not add due to rounding. 13 Company Overview and Investor Presentation - September 2026 Q3 2025 (Sep 30) Q3 2026 (Sep 30) Income Statement Line Item ($ in Millions) (1) 11.4% 11.3% Interest Income (6.3%) (6.2%) Interest Expense 5.1% 5.1% Net Interest Margin 0.0% 0.0% Mark to Finance Receivables 0.1% 0.2% Other Income (4.5%) (4.5%) Core Operating Expenses 0.8% 0.9% Pretax Return

YoY Change Q3 2025 (Sep 30) Q3 2026 (Sep 30) Income Statement Line Item($ in Millions) +20.5% $107.2 $129.1 Interest Income 0.0% $0.0 $0.0 Mark to Finance Receivables & Other +21.7% $108.4 $131.9 Total Revenues +21.3% $42.3 $51.3 Operating Expenses (Employee + G&A+ Other) +19.3% $59.1 $70.5 Interest Expense +44.3% $7.0 $10.1 Pretax Income +43.3% $4.8 $6.9 Net Income +50.0% $0.20 $0.30 Diluted EPS Summary Statement of Operations 14 Company Overview and Investor Presentation - September 2026

December 31, 2025 September 30, 2026 Balance Sheet Item ($ in Millions) $6.3 $5.1 Cash $165.9 $175.0 Restricted Cash $3,655.3 $4,624.6 Finance Receivables $30.1 $27.3 Other Assets $3,858.2 $4,832.0 Total Assets $65.2 $93.6 Accounts Payable and Accrued Expenses $324.9 $735.8 Warehouse Line of Credit $143.0 $190.7 Residual Interest Financing $2,986.6 $3,458.5 Securitization Trust Debt $29.0 $28.9 Subordinated Renewable Notes $3,548.6 $4,507.5 Total Liabilities $309.5 $324.5 Shareholders' Equity $3,858.2 $4,832.0 Total Liabilities and Shareholders' Equity Summary Balance Sheet 15 Company Overview and Investor Presentation - September 2026

Growing Shareholder Value $5,000 $2,500 $0 $7,500 $15,000 $12,500 $10,000 $17,500 $25,000 $22,500 $20,000 $27,500 $35,000 $32,500 $30,000 $37,500 $40,000 Sep - 20 Dec - 20 Mar - 21 Jun - 21 Sep - 21 Dec - 21 Mar - 22 Jun - 22 Sep - 22 Dec - 22 Mar - 23 Jun - 23 Sep - 23 Dec - 23 Mar - 24 Jun - 24 Sep - 24 Dec - 24 Mar - 25 Jun - 25 Sep - 25 Dec - 25 Mar - 26 Jun - 26 Sep - 26 $2.00 $1.00 $0.00 $3.00 $6.00 $5.00 $4.00 $7.00 $10.00 $9.00 $8.00 $11.00 $14.00 $13.00 $12.00 $15.00 $16.00 Diluted Book Value per Share in $ - Right Axis Pre - tax Income $ in Thousands - Left Axis Book Value per Share in $ - Right Axis NASDAQ: CPSS Publicly Trade Since 1992 16 Company Overview and Investor Presentation - September 2026

Shareholder’s Equity $325,000 $350,000 Shareholder's Equity ($ in thous.) $300,000 $275,000 $250,000 $225,000 $200,000 $175,000 $150,000 $125,000 $100,000 $75,000 $50,000 $25,000 $ - Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2020 2020 2021 2021 2021 2021 2022 2022 2022 2022 2023 2023 2023 2023 2024 2024 2024 2024 2025 2025 2025 2025 2026 2026 2026 Shareholder's Equity ~2.5x Growth in 6 Years 17 Company Overview and Investor Presentation - September 2026

YoY Change Q3 2025 (Sep 30) Q3 2026 (Sep 30) ($ in Millions) 109% $391 $815 Auto contract purchases 25% $3,760 $4,711 Total portfolio 0% 4.5% 4.5% Core Operating Expenses as % of Avg. Portfolio (167 bps) 13.96% 12.29% Total delinquencies and repo inventory (1) (75 bps) 8.01% 7.26% Annualized Net Charge - offs (1) 328 bps 28.7% 32.0% Auction Recovery Rate (2) Selected Financial Data (1) Calculate as a percentage of the average owned portfolio. Excludes third party portfolios. Delinquency is 30+past due. Charge - offs are annualized off three months of the quarter. (2) Wholesale auction liquidation amounts (net of expenses) as a percentage of the account balance at the time of sale. 18 Company Overview and Investor Presentation - September 2026

Investment Outlook 109% YoY Increase in Contract Purchases Avg APRs remain consistent at ~ 20% Managed portfolio is at largest amount in company history Stable core operating expenses as a percent of growing portfolio Decreasing delinquencies Industry leading technology in all facets of our business Proven track record - 35 years in business Investor Relations Contact Mike Lavin, President/ COO/ CLO Mike@consumerportfolio.com 19 Company Overview and Investor Presentation - September 2026

REFERENCE TO PUBLIC REPORTS Any person considering an investment in securities issued by CPS is urged to review the materials filed by CPS with the U.S. Securities and Exchange Commission ("Commission"). Such materials may be found by inquiring of the Commission‘s EDGAR search page www.sec.gov/edgar/searchedgar/companysearch.htm l using CPS's ticker symbol, which is "CPSS." Risk factors that should be considered are described in Item 1A, “Risk Factors," of CPS’s most recent annual report on Form 10 - K and subsequent reports on Form 10 - Q, which reports are on file with the Commission and available for review at the Commission's website. Such description of risk factors is incorporated herein by reference. 20 Company Overview and Investor Presentation - September 2026

Source: View Original Filing on SEC EDGAR

Filing Exhibits & Attachments

4 documents

Press Releases

EX-99.1 COMPANY SUMMARY AS OF SEPTEMBER 30, 2026 30.6 KB