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.
CONSUMER PORTFOLIO SERVICES, INC. reported an equity compensation grant to Executive Vice President Teri Robinson. Robinson received 90,000 stock options with an exercise price of $9.20 per share, expiring on August 11, 2033. These options, covering 90,000 shares of common stock, were issued in consideration of Robinson’s services and become exercisable in four equal installments on August 11 of each year from 2027 through 2030. Following this grant, Robinson holds 90,000 derivative securities directly.
CONSUMER PORTFOLIO SERVICES, INC. reported that Sr Executive VP Robert E. Riedl received a grant of 120,000 stock options on 2026-08-11. The options have a $9.20 exercise price, expire on 2033-08-11, and were issued as consideration for his services. They become exercisable in four equal installments on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030. Following this grant, he holds 120,000 options directly.
Consumer Portfolio Services, Inc. reported that Sr. Vice President Lisette Reynoso received a grant of 60,000 stock options to purchase Common Stock at an exercise price of $9.20 per share. The options vest in four equal installments on 8/11/2027, 8/11/2028, 8/11/2029, and 8/11/2030 and expire on 8/11/2033. Following this grant, Reynoso holds 60,000 options, which were issued in consideration of her services to the company.
CONSUMER PORTFOLIO SERVICES, INC. reported that Sr. Vice President Catrina Marie Ralston received a grant of stock options covering 60,000 shares of common stock. The options have an exercise price of $9.20 per share, expire on August 11, 2033, and were issued as consideration for her services. They become exercisable in four equal installments on August 11, 2027, 2028, 2029, and 2030, and are held directly.