CONSUMER PORTFOLIO SERVICES, INC. — Form 8-K
Filed October 23, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 72/100
What the filing says
Consumer Portfolio Services reported Q3 2026 net income of $7.0M (up 43% YoY) and diluted EPS of $0.30 (up 50% YoY) on total revenue of $131.9M (+22% YoY). Loan contract purchases surged 109% to $815.3M; total loan portfolio reached record $4.711B (up 25% YoY). Credit metrics improved: delinquencies fell to 12.29% from 13.96%; recovery rates rose to 32% from 28.7%. Warehouse credit capacity expanded 52% to $508M; 110th ABS securitization (largest in company history) closed in Q3.
Why this rating
Strong earnings growth and loan origination acceleration are material relative to ~$79M market cap. Record $4.7B portfolio (60x company size) with improving credit health signals operational leverage and market share gains. Warehouse expansion enables further growth.
Tradability signal
NO TRADE
No trade: only ~$66k traded in the last 30 min — too illiquid to enter and exit.
Derived from this site's own measured outcomes + live price/liquidity at analysis time. An experiment, not investment advice.
Price action (we called it positive)
before filing · preread $9.52 ▲ 0.00% | at our read · unknown $9.52 | +10 min · unknown $9.58 ▲ 0.63% | +30 min · unknown $9.50 ▼ 0.21% | +1 hr · unknown $9.61 ▲ 0.89% | +4 hrs pending |
The stock had already moved -0.00% between hitting EDGAR and our read finishing — deltas above are measured from our read.
Quotes via Yahoo Finance at capture time; for filings arriving outside market hours the clock starts at the next open. Not investment advice. How accurate are our calls? →
See more from October 23, 2026.
EDGAR·FLOW summarizes public SEC EDGAR filings with automated analysis. Materiality scores and stock-impact predictions are algorithmically generated and are not investment advice. Always verify against the source filing on SEC.gov.