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.
Charles E. Gonel, Sr. Vice President of Consumer Portfolio Services (CPSS), was granted a stock option on 09/09/2025 to purchase 60,000 shares of common stock at an exercise price of $8.19 per share. The option expires on 09/09/2032 and becomes exercisable in four equal annual installments beginning 09/09/2026 through 09/09/2029. The option shares were issued as consideration for services.
Charles E. Bradley Jr., who serves as CEO, a director and a >10% owner of Consumer Portfolio Services (CPSS), received a grant of 300,000 stock options with an exercise price of $8.19. The options were issued in consideration of his services and were dated 09/09/2025. They become exercisable in four equal annual installments beginning on 09/09/2026 and fully vest by 09/09/2029, and expire on 09/09/2032. The Form 4 reports the reporting person holds 300,000 underlying common shares on a direct basis following the transaction.
Denesh Bharwani, Executive Vice President of Consumer Portfolio Services, Inc. (CPSS), was granted a stock option on 09/09/2025 to buy 90,000 shares of the company’s common stock at an exercise price of $8.19 per share. The option expires on 09/09/2032 and becomes exercisable in four equal annual increments beginning on 09/09/2026 and ending on 09/09/2029. The award was issued as consideration for Mr. Bharwani’s service and is reported as directly owned. The transaction was disclosed on a Form 4 signed 09/11/2025. No cash purchase was reported; this is a compensation-related derivative grant.
Consumer Portfolio Services (CPSS) reported a grant of a stock option to Michele L. Baumeister, Senior Vice President. The option, granted on 09/09/2025, permits purchase of 60,000 shares of common stock at an exercise price of $8.19 per share and expires on 09/09/2032. The option becomes exercisable in four equal annual installments beginning 09/09/2026 through 09/09/2029. The filing states the shares underlying the option were issued as consideration for services rendered and that the reporting person holds the 60,000 shares directly following the transaction.
Amendment No. 5 to Schedule 13D reports that Black Diamond Holdings, LLLP and Stephen H. Deckoff replaced BDCM CT, L.L.C. as the primary registered investment adviser exercising investment discretion over accounts holding Consumer Portfolio Services, Inc. common stock. The Continuing Reporting Persons report beneficial ownership of 5,127,165 shares, representing approximately 23.1% of the company's outstanding common stock based on 22,224,186 shares outstanding as of August 8, 2025. The filing notes shared voting and dispositive power over these shares and attaches a joint filing agreement as Exhibit G.
Amendment No. 5 to Schedule 13D reports that Black Diamond Holdings, LLLP and Stephen H. Deckoff replaced BDCM CT, L.L.C. as the primary registered investment adviser exercising investment discretion over accounts holding Consumer Portfolio Services, Inc. common stock. The Continuing Reporting Persons report beneficial ownership of 5,127,165 shares, representing approximately 23.1% of the company's outstanding common stock based on 22,224,186 shares outstanding as of August 8, 2025. The filing notes shared voting and dispositive power over these shares and attaches a joint filing agreement as Exhibit G.
Consumer Portfolio Services, Inc. furnished a current report to share an updated investor presentation. The company made available a 19-slide "Company Summary as of June 30, 2025" as an exhibit and also posted the same presentation on its investor relations website.
The material is provided under Regulation FD as an informational update and is expressly treated as "furnished" rather than "filed" under securities laws. No financial statements or pro forma financial information accompany this report, and the filing itself does not announce any new transaction or earnings results.
Robert E. Riedl filed a Form 3 reporting initial beneficial ownership in Consumer Portfolio Services, Inc. (CPSS). The filing states Mr. Riedl is a Director and Senior Executive VP and that he beneficially owns 1,000 shares of Common Stock indirectly through The Riedl Family Trust. The event requiring the statement occurred on 08/04/2025 and the form is signed 08/14/2025.
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).
Consumer Portfolio Services, Inc. reported rising revenue and portfolio growth while absorbing higher funding costs. Total revenues were $109.8 million for the quarter, up 14.5% from $95.9 million a year earlier, driven by interest income of $105.4 million as the average loan portfolio grew about 18% and interest yield edged to 11.4% from 11.3%. The company recorded a $3.0 million net mark to fair value on receivables measured at fair value and reported net income of $4.8 million, or $0.22 basic EPS for the quarter.
Assets increased to $3.764 billion with finance receivables measured at fair value of $3.559 billion. Interest expense rose to $58.7 million (up $12.0 million), pressuring net interest yield to 5.1% from 5.3%. Securitization trust debt totaled $2.813 billion and restricted cash was $144.4 million; the company stated it was in compliance with financial covenants. Legal contingencies were estimated not to exceed $3.2 million.