[8-K] CONSUMER PORTFOLIO SERVICES, INC. Reports Material Event

Rhea-AI Filing Summary

Consumer Portfolio Services (CPSS) reported it has announced earnings for the three‑month and nine‑month periods ended September 30, 2025. The company will host a conference call on November 11, 2025 at 1:00 p.m. ET to discuss its third quarter 2025 results.

An earnings news release is included as Exhibit 99.1 to the report, with the conference call pre‑registration available at the provided link. No financial statements or pro forma financial information accompany this filing.

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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 10, 2025

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 2.02. Results of Operations and Financial Condition.

On November 10, 2025, the registrant announced its earnings for the three-month and nine-month periods ended September 30, 2025. A copy of the announcement is attached as an exhibit to this report. As noted in the announcement, the registrant will hold a conference call on November 11, 2025 at 1:00 p.m. ET to discuss its third quarter 2025 operating results. Those wishing to participate can pre-register for the conference call at the following link https://register-conf.media-server.com/register/BIe8f56c2169754318a431cab167afe726. Registered participants will receive an email containing conference call details for dial-in options.

Item 9.01. Financial Statements and Exhibits.

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

One exhibit is included with this report:

99.1	News release re earnings.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

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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 10, 2025	By: /s/ Denesh Bharwani
	Denesh Bharwani Executive Vice President and Chief Financial Officer Signing on behalf of the registrant

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FAQ

What did CPSS (CPSS) announce in this filing?

CPSS announced earnings for the three- and nine-month periods ended September 30, 2025, and scheduled a conference call to discuss Q3 2025 results.

When is CPSS’s Q3 2025 conference call?

The call is on November 11, 2025 at 1:00 p.m. ET.

How can I register for the CPSS earnings call?

Pre-register at https://register-conf.media-server.com/register/BIe8f56c2169754318a431cab167afe726 to receive dial-in details.

Which periods do the announced results cover for CPSS?

The three-month and nine-month periods ended September 30, 2025.

What exhibits are included with the CPSS report?

Exhibit 99.1 is the earnings news release; Exhibit 104 is the cover page Inline XBRL data file.

Does the CPSS filing include financial statements?

No. The filing states that neither financial statements nor pro forma financial information are included.