CONSUMER PORTFOLIO SERVICES, INC. — Form 8-K
Filed August 4, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 52/100
What the filing says
Consumer Portfolio Services reported Q2 2026 net income of $6.2M (up 30% YoY) on revenues of $121.4M (up 10.6% YoY). New contract purchases surged 75% to $757.7M in Q2 2026 vs. $433.0M in Q2 2025, driving portfolio balance to $4.307B from $3.708B YoY. Credit metrics improved: 30+ day delinquencies fell to 12.16% from 13.14% YoY, and net charge-offs decreased to 7.28% from 7.45%.
Why this rating
Strong earnings growth and origination volume are operationally positive. However, against $79.1M market cap, Q2 net income of $6.2M annualizes to ~$25M—material but not transformational. Growth appears incremental, not strategic.
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