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.
Consumer Portfolio Services filings document the specialty finance company's operating results, auto receivable funding structure, and public-company governance. Recent Form 8-K reports cover earnings releases, Regulation FD investor presentations, executive incentive compensation, board appointments, and material agreements entered in the ordinary course of its auto finance business.
The filings also describe securitizations of automobile receivables, residual interests in prior securitizations, warehouse credit facilities, and related direct financial obligations or off-balance-sheet arrangements. These disclosures connect CPS's contract purchases and servicing activities with the funding vehicles, trusts, subsidiaries, and collateral terms used to finance its portfolio.
Consumer Portfolio Services, Inc. reported that its board appointed Scott W. Carnahan as a director, effective immediately, to fill the vacancy created by the prior resignation of William B. Roberts. He will serve until the 2026 annual meeting and until a successor is elected and qualified.
Carnahan brings more than 40 years of accounting, consulting, regulatory compliance, and executive leadership experience in the financial institutions sector, including senior roles at FTI Consulting and KPMG, where he led the structured finance practice and advised on over $2 trillion in transactions.
He is a senior advisor to FTI Consulting, which had previously provided consulting services to the company. Consumer Portfolio Services paid FTI approximately $127,000 in the fiscal year ended December 31, 2024 and $173,000 in the fiscal year ended December 31, 2025, before that engagement ended in September 2025. Carnahan will be compensated under the company’s non-employee director compensation program.
Bharwani Denesh reported disposition transactions in a Form 4 filing for CPSS. The filing lists transactions totaling 9,000 shares. Following the reported transactions, holdings were 301,881 shares.
Consumer Portfolio Services, Inc. reported that director William B. Roberts resigned from the board effective January 30, 2026. The company stated that his resignation was not due to any dispute or disagreement regarding its operations, policies, or practices and expressed appreciation for his many years of board service.
Consumer Portfolio Services executive vice president Teri Robinson reported two insider transactions involving gifts of company common stock held through the Teri Lee Robinson Living Trust. On July 21, 2025 and January 7, 2026, the trust made bona fide gifts of 660 shares each at a reported price of $0.00, meaning no payment was received. Following the most recent gift, the living trust indirectly holds 497,125 shares of Consumer Portfolio Services common stock.
Consumer Portfolio Services, Inc. completed a subprime auto loan securitization on January 27, 2026. A wholly owned subsidiary bought about $352.66 million of automotive receivables from CPS and then sold them to CPS Auto Receivables Trust 2026-A.
The Trust issued and sold $345.61 million of asset-backed notes in five classes, secured by the receivables and related payment rights. Initial credit enhancement includes a cash reserve equal to 1.00% of the receivable pool and 2.00% overcollateralization, with higher target enhancement levels through accelerated principal payments.
Consumer Portfolio Services, Inc. director William B. Roberts reported an insider sale of the company’s common stock. On 12/04/2025, he sold 100,000 shares at a price of $8.69 per share. After this transaction, he beneficially owns 485,702 shares of Consumer Portfolio Services common stock, held directly.
Consumer Portfolio Services, Inc. reported results of its annual shareholder meeting held on November 19, 2025. Shareholders approved the new 2025 Equity Incentive Plan, which authorizes equity-based awards tied to up to 4,501,330 shares of common stock, plus certain shares that may return to the pool from forfeited or cancelled awards under the prior 2006 plan. The plan covers employees, officers, non-employee directors, consultants and advisors, and allows options, stock appreciation rights, restricted stock, restricted stock units, performance awards and other stock-based awards.
All nine director nominees were elected. Shareholders also ratified the appointment of Crowe LLP as independent auditors for the fiscal year ending December 31, 2025, approved an advisory resolution on named executive officer compensation, and approved the 2025 Equity Incentive Plan. In an advisory vote on frequency of future say-on-pay votes, shareholders favored annual votes, and the board decided to continue holding the advisory executive compensation vote every year.
Consumer Portfolio Services, Inc. (CPSS) has updated the annual interest rates on its renewable unsecured subordinated notes effective November 24, 2025. Rates vary by note term from 3 months to 4 years and by portfolio amount, with higher investment tiers receiving higher yields.
The notes are currently offered to investors in selected U.S. states, including large markets such as California, Florida, New York, Texas, and others listed in the document. This interest rate supplement is intended to be used together with, and to the extent of any inconsistency supersedes, the descriptions of these notes in the base prospectus and accompanying prospectus supplement.
Consumer Portfolio Services, Inc. (CPSS) is offering up to $50,000,000 in renewable unsecured subordinated notes, sold at 100% of principal with no selling commissions. The notes are issued in minimum denominations of $1,000, with investor-selected maturities from 3 months to 10 years and fixed interest rates set periodically via separate interest rate supplements. These obligations are unsecured and deeply subordinated, ranking junior to CPS’s existing and future secured and senior unsecured debt and pari passu with other CPS subordinated notes; as of December 31, 2024 and September 30, 2025, CPS had approximately $3,175 million and $3,474 million of obligations senior to the notes. Notes automatically renew at maturity unless holders request repayment within 15 days, while CPS may redeem them at par plus accrued interest on 30 days’ notice. The notes are non-listed, subject to transfer restrictions, lack any sinking fund or insurance, and proceeds are intended primarily to fund CPS’s purchase of sub-prime automobile contracts and for general corporate purposes.
Consumer Portfolio Services, Inc. (CPSS) filed a current report to announce that it has made available an updated investor presentation under Regulation FD. The presentation consists of 19 slides and is provided as Exhibit 99.1, titled "Company Summary as of September 30, 2025."
The same slide deck furnished with this report is also available on the company’s investor relations website at http://ir.consumerportfolio.com/events-and-presentations/presentations. The information in this report and the attached presentation is being furnished, not filed, which means it is not subject to certain liability provisions under the Securities Exchange Act of 1934. No financial statements or pro forma financial information are included with this report.