CPSS Overview

Earnings Report: Consumer Portfolio Services Inc. (CPSS) reported third-quarter earnings of $4.85 million, or $0.20 per share, which matched last year's figures but fell short of analysts' expectations of $0.30 per share.

Revenue Growth: The company's revenue increased by 7.8% to $108.42 million compared to $100.58 million in the same quarter last year.

Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $108.4 million for Q3 2025, a 7.8% increase from $100.6 million in Q3 2024, with pretax income rising to $7.0 million from $6.9 million in the prior year.

Contract Purchases: The company purchased $391.1 million in new contracts during the quarter, contributing to a total of $1.275 billion for the first nine months of 2025, up from $1.224 billion in the same period of 2024.

Delinquency and Charge-off Rates: Annualized net charge-offs increased to 8.01% of the average portfolio in Q3 2025, compared to 7.32% in Q3 2024, while delinquencies greater than 30 days slightly decreased to 13.96% from 14.04%.

Future Outlook: CEO Charles E. Bradley expressed satisfaction with the quarterly results, highlighting strong loan origination volumes and operational efficiencies, and announced a conference call to discuss the results further.

New Credit Agreement: Consumer Portfolio Services, Inc. closed a new two-year revolving credit agreement on October 17, 2025, secured by automobile receivables.

Borrowing Terms: The credit facility allows CPS to borrow on a revolving basis until October 2027, with options for full repayment or amortization afterward.

Company Overview: CPS specializes in indirect automobile financing for individuals with credit challenges, purchasing retail installment sales contracts primarily from franchised dealerships.

Risks and Forward-Looking Statements: The company acknowledges potential risks that could affect the revolving credit period, including defaults, economic conditions, and regulatory changes.

Gateway Conference Announcement: Gateway Group has confirmed the lineup for its annual Gateway Conference, scheduled for September 3-4, 2025, at the Four Seasons Hotel in San Francisco, featuring over 60 public and private companies from various high-growth sectors.

Diverse Presenting Companies: Notable participants include Applied Digital, Anterix, Solaris Energy Infrastructure, and Bitcoin Depot, among others, showcasing innovations across AI, fintech, cleantech, and more.

Investor Engagement: The conference will host over 300 institutional investors and analysts, with a partnership with Stocktwits to enhance engagement with retail investors through live broadcasts.

Focus on Networking: The event emphasizes building connections between innovative companies and thoughtful investors, aiming to foster long-term relationships and value creation within the investment community.

Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $109.8 million for Q2 2025, a 14.5% increase from the previous year, with pretax income rising to $7.0 million and net income increasing to $4.8 million.

Operational Highlights: The company achieved record high shareholder's equity exceeding $300 million and purchased new contracts worth $433.0 million during the quarter, while maintaining a focus on credit quality amidst slight increases in delinquencies and charge-offs.

Conference Call Announcement: Consumer Portfolio Services, Inc. will hold a conference call on August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results, with pre-registration available online.

Company Overview: CPS is an independent finance company that provides automobile financing to individuals with credit challenges, primarily purchasing retail installment sales contracts from dealerships and funding through securitization markets.