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 (CPSS) entered a two-year revolving credit agreement secured by its automobile receivables. The facility allows borrowings of up to $167.5 million outstanding at any time, with advances up to 95.5% of the principal of eligible pledged receivables. The funding termination date is October 18, 2027, with earlier termination or acceleration possible upon defined events.
Class A loans bear interest at one‑month SOFR plus 2.75% with a 3% floor; Class B loans are 3.65% above the total Class A rate. CPS incurred approximately $19.6 million of indebtedness under the facility on October 22, 2025, and plans to borrow over time as it purchases receivables from dealers.
Louis M. Grasso, a director of Consumer Portfolio Services, Inc. (CPSS), reported transactions dated 09/22/2025. The filing shows 20,000 shares acquired at a price of $2.47 and an additional 5,000 shares held indirectly in an IRA for a total of 25,300 shares beneficially owned after the transaction. The filing also discloses a stock option exercisable at $2.47 covering 20,000 underlying shares, with the option exercisable from 12/01/2020 and expiring 06/01/2027. A footnote states 5,000 shares are held in an individual retirement account and 20,000 shares were issued in consideration of services to the issuer.
Noel Jackson, Sr. Vice President of Consumer Portfolio Services, Inc. (CPSS), exercised stock options and sold the resulting shares on 09/16/2025. He exercised 9,369 option shares at an exercise price of $2.47 per share and immediately sold those 9,369 common shares at a weighted-average price of $8.4938 per share, resulting in no remaining direct ownership of those common shares after the sale. After the transactions, Mr. Jackson continues to beneficially own 20,631 derivative securities (stock options) issued for services.
William B. Roberts, a director of Consumer Portfolio Services, Inc. (CPSS), reported a sale of 100,000 shares of the issuer's common stock on 09/15/2025 at a price of $8.62 per share. Following the reported transaction, Mr. Roberts beneficially owns 585,702 shares. The filing states the shares were sold back to the issuer in an exempt transaction under Rule 16b-3 as part of the company’s stock repurchase program.
Lisette Reynoso, Sr. Vice President of Consumer Portfolio Services, Inc. (CPSS), executed a net exercise of stock options on 09/16/2025. She exercised an option with a $3.83 strike covering 4,800 shares and, after a net exercise, received 2,635 shares while forfeiting 2,165 shares to cover the exercise cost based on the closing price of $8.49 per share on that date. The filing shows the reporting person holds common stock following the transaction and that the original option grant totaled 20,000 options that vested in four installments from 2019 to 2022. The shares were issued as consideration for services.
Chris Terry, Executive Vice President of Consumer Portfolio Services, Inc. (CPSS), was granted 90,000 stock options on 09/09/2025. The options have an exercise price of $8.19 and expire on 09/09/2032. The grant was issued in consideration of Mr. Terry's services and becomes exercisable in four equal increments on 09/09/2026, 09/09/2027, 09/09/2028, and 09/09/2029. Following the reported transaction the filing shows 90,000 underlying shares beneficially owned directly by Mr. Terry. The Form 4 is signed 09/11/2025 and reflects an acquisition coded as "A."
Consumer Portfolio Services insider report: Steven Schween, identified as Senior Vice President, reported receipt of a stock option award on 09/09/2025. The option grants the right to buy 60,000 shares of the company’s common stock at an exercise price of $8.19 per share. The option is exercisable in four equal annual installments beginning 09/09/2026 and fully vests by 09/09/2029, and it expires on 09/09/2032. The filing states the options were issued as consideration for Mr. Schween’s services. The Form 4 was signed by Mr. Schween on 09/11/2025.
Consumer Portfolio Services insider Susan Ryan received a stock option award for 60,000 shares with an exercise price of $8.19 per share, granted on 09/09/2025. The option vests in four equal annual installments beginning 09/09/2026 and expires on 09/09/2032. The filing shows the options were issued as compensation for services and are directly owned by the reporting person.
The Form 4 was signed 09/11/2025 and confirms no other transactions or derivative holdings were reported. The grant increases the reporting persons potential equity stake if exercised, aligning compensation with company performance, while diluting existing shareholders only if and when exercised.
Reporting person: Teri L. Robinson, Executive Vice President of Consumer Portfolio Services, Inc. (CPSS). Transaction: On 09/09/2025 Ms. Robinson was granted a stock option to buy 90,000 shares of common stock at an exercise price of $8.19. The option was issued as consideration for services and becomes exercisable in four equal annual installments on 09/09/2026, 09/09/2027, 09/09/2028, and 09/09/2029, and expires on 09/09/2032. Following the grant, Ms. Robinson beneficially owns 90,000 underlying shares directly. The Form 4 was signed on 09/11/2025.
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