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CONSUMER PORTFOLIO SERVICES, INC. executive vice president Teri Robinson exercised 60,000 stock options at $3.53 on August 3, 2026. She acquired 28,541 shares for cash and 31,459 shares via a net exercise, with 16,412 shares withheld to pay exercise price and taxes using a $9.60 share value. Robinson then moved 43,588 shares by bona fide gift from direct ownership into the Teri Lee Robinson Living Trust, which reported holding 539,393 shares of common stock after the transfer.
Catrina Marie Ralston, Sr. Vice President of Consumer Portfolio Services, Inc., exercised stock options for 30,000 shares of common stock at an exercise price of 3.5300 per share on August 3, 2026. Through a net exercise, she received 17,541 shares and forfeited 12,459 shares to cover the exercise price and tax liability using a $9.60 closing share price. The option grant vested in four equal installments beginning August 8, 2020 and was issued as consideration for her services.
Consumer Portfolio Services, Inc. reported strong Q2 2026 results, with revenues of $121.4 million and net income of $6.2 million, or $0.27 per diluted share, up 30% from $4.8 million and 35% from $0.20 per diluted share in Q2 2025. Pretax income rose to $9.0 million from $7.0 million, while for the first six months of 2026 net income increased 24% to $11.8 million and diluted EPS grew to $0.50.
New contract purchases in Q2 2026 reached $757.7 million, a 75% increase over the prior-year quarter, and receivables totaled $4.307 billion as of June 30, 2026, up from $3.708 billion a year earlier. Credit performance improved, with total delinquencies and repossession inventory at 12.16% of the portfolio versus 13.14% a year ago, and annualized net charge-offs edging down to 7.28% of the average portfolio.
CONSUMER PORTFOLIO SERVICES, INC. director Daniel S. Wood exercised stock options for 30,000 shares of common stock at an exercise price of $3.53 per share on July 24, 2026. The transaction was a net exercise, delivering 18,793 shares and forfeiting 11,207 shares to pay the exercise price using the $9.45 closing stock price that day.
Consumer Portfolio Services, Inc. completed a securitization of approximately $734.51 million of subprime automobile receivables through CPS Auto Receivables Trust 2026-C. The trust issued and sold $716.88 million of asset-backed notes in five classes, backed by a fixed pool of amortizing receivables.
CPS sold the receivables to a wholly owned subsidiary, which sold them to the trust; the notes are obligations of the trust but are treated as long-term debt of CPS. Class A–E coupons range from 4.52% to 7.65%, with a weighted average coupon of approximately 5.90%. CPS will service the receivables, while Computershare Trust Company acts as trustee, collateral agent and backup servicer.
Initial credit enhancement consists of a reserve account equal to 1.00% of the receivable pool and 2.40% over-collateralization, with required enhancement building to the lesser of 7.70% of the original pool or 19.10% of the then outstanding balance, but not below 1.50%. This is described as the largest securitization in the company's history and its 60th senior subordinate transaction since 2011, and the 43rd consecutive securitization whose senior class received triple A ratings from at least two agencies.
Consumer Portfolio Services, Inc. renewed and increased its revolving warehouse credit facility with Citibank, N.A. and a subordinate lender, raising the maximum capacity from $335 million to $508 million. Borrowings are secured by automobile receivables that CPS holds or will originate and sell or contribute to a wholly owned subsidiary.
The facility allows advances of up to 96% of the principal balance of eligible pledged receivables, with the actual advance rate depending on receivable characteristics, securitization terms, and portfolio performance. CPS may borrow on a revolving basis through July 17, 2028, after which it can either repay outstanding loans in full or allow them to amortize over a one-year period, subject to possible earlier termination or acceleration upon defined events of default linked to credit losses, consumer bankruptcies, regulatory changes, or adverse economic conditions.
Consumer Portfolio Services, Inc. reported that the Teri Lee Robinson Living Trust, associated with Executive Vice President Teri Robinson, made a bona fide gift of 660 shares of common stock. No payment was received for the transfer. Following the gift, the trust holds 495,805 shares indirectly.
CONSUMER PORTFOLIO SERVICES, INC. senior vice president Susan Ryan reported a compensation-related stock option exercise combined with tax withholding. She exercised options covering 30,000 shares of common stock at an exercise price of $3.53 per share.
According to the footnotes, this was a "net exercise": she received 18,359 shares of common stock and forfeited 11,641 shares to cover the option exercise price and related tax liability, using the $9.60 closing stock price on June 30, 2026. The option, originally granted for services to the company and vesting in four annual installments of 7,500 shares from August 8, 2020 through August 8, 2023, is now fully exercised with no remaining derivative position from this grant.
CONSUMER PORTFOLIO SERVICES, INC. senior vice president Charles E. Gonel reported an option-related share transaction. He exercised stock options for 30,000 shares of common stock at an exercise price of $3.53 per share. As part of a net exercise, 11,095 shares were forfeited to cover the exercise price and tax liability using the $10.00 closing stock price on June 26, 2026, and he received 18,905 shares of common stock. Following these transactions, he directly holds 43,752 shares of common stock, and the exercised option covering 30,000 shares is fully exhausted.
Consumer Portfolio Services senior vice president Noel Jackson exercised stock options to acquire 7,000 shares of common stock at $3.53 per share and, on the same date, sold 7,000 shares of common stock in an open-market transaction at an average price of $9.6295 per share.