CONSUMER PORTFOLIO SERVICES, INC. (CPSS) Latest Filing Signal

Based on earningsVibe SuperAnalyst™ synthesis of the latest 10-K, CONSUMER PORTFOLIO SERVICES, INC.'s filing signal continuing negative.

Consumer Portfolio Services, Inc. (CPS) is a specialty finance company that purchases and services retail automobile installment contracts originated by franchised and independent automobile dealers across the United States. The company primarily serves sub-prime customers, those with limited credit histories or past credit problems, acting as an alternative financing source for dealers to facilitate sales. CPS finances these contracts long-term through securitizations, utilizing short-term warehouse credit facilities for interim financing. As of December 31, 2025, CPS had purchased approximately $24.7 billion of automobile contracts since its inception in 1991. The company's operational and administrative functions are primarily based in Irvine, California, with credit and underwriting functions also performed in Florida and Nevada branches.

Revenue is primarily driven by interest income generated from the company's portfolio of automobile contracts. Other income is derived from origination and servicing fees earned from third-party receivables.