[8-K] Consumer Portfolio Services Reports Material Event

Rhea-AI Filing Summary

Consumer Portfolio Services, Inc. announced its earnings for the three-month and six-month periods ended June 30, 2025 and scheduled a public conference call to discuss second-quarter 2025 operating results. The call is set for August 12, 2025 at 1:00 p.m. ET, and interested parties can pre-register using the link provided in the filing. The company attached a news release as an exhibit to this report.

The report explicitly states that neither financial statements nor pro forma financial information are included with this filing, so detailed numeric results are not presented in the 8-K itself. The filing includes exhibit references for the news release (99.1) and the Inline XBRL cover page (104).

Positive

• Company announced earnings for the three-month and six-month periods ended June 30, 2025.
• Conference call scheduled for August 12, 2025 at 1:00 p.m. ET with a pre-registration link provided.
• News release attached as Exhibit 99.1, indicating an official announcement accompanies the 8-K.

Negative

• No financial statements or pro forma financial information are filed with this 8-K.
• The 8-K does not include numeric earnings figures, so the filing alone does not provide detailed financial results.

Insights

Financial Analyst

TL;DR: Routine earnings announcement with a scheduled conference call; the 8-K itself lacks numeric financial detail, so the attached release and call are the primary sources.

The filing reports that the company announced results for the three-month and six-month periods ended June 30, 2025 and will host a conference call on August 12, 2025 at 1:00 p.m. ET. Material financial statements are not included in this 8-K, limiting immediate quantitative assessment. Impact on valuation depends entirely on the content of the attached news release and the call; the 8-K functions as a procedural disclosure that a more detailed release and live discussion are available.

Investor Relations Specialist

TL;DR: Standard Form 8-K disclosure: earnings announced, news release attached, and investor call scheduled; absence of filed financials is explicitly noted.

This report follows common practice by notifying investors of an earnings announcement and providing conference call logistics including a pre-registration link. Exhibit 99.1 (news release) and the Inline XBRL cover page are referenced, while the 8-K confirms no financial statements or pro forma information are filed here. From a disclosure perspective the filing is complete for its purpose but relies on the attached release and call for substantive details.

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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) August 11, 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 August 11, 2025, the registrant announced its earnings for the three-month and six-month periods ended June 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 August 12, 2025 at 1:00 p.m. ET to discuss its second 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/BI9f9d2849b5314522a7ee851c3b087cbf. 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.

(d) Exhibits

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: August 11, 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 Consumer Portfolio Services (CPSS) file in this 8-K?

The company announced its earnings for the three-month and six-month periods ended June 30, 2025 and disclosed a conference call scheduled for August 12, 2025 at 1:00 p.m. ET.

Are financial statements included with CPSS's 8-K?

No. The filing states that neither financial statements nor pro forma financial information are filed with this report.

How can I join the CPSS conference call?

The filing provides a pre-registration link: https://register-conf.media-server.com/register/BI9f9d2849b5314522a7ee851c3b087cbf; registered participants will receive dial-in details by email.

What exhibits are included with the 8-K?

Exhibit 99.1 is the news release regarding earnings and Exhibit 104 is the Inline XBRL cover page referenced in the filing.

Who signed the 8-K for CPSS?

The filing is signed by Denesh Bharwani, Executive Vice President and Chief Financial Officer, on behalf of the registrant.