Consumer Portfolio Services, Inc. is classed by the SEC under Finance Services (industry code 6199), based in Las Vegas, NV. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $434 million and a profit of $19 million (its filed statements).
Lending businessFinance ServicesLas Vegas, NVfilings since 19969 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6199, Finance Services); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 6.4 out of ten, 9 of 9 metrics filed: past 7.3 out of ten, present 6.5 out of ten, future 5.0 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 8.4 out of ten. No warning events in its filings since 2017. 84th percentile among 130 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 5.5 out of ten. +0.3% a year over 10 filed years; profitable in 10 of 10. 54th percentile among 104 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 6.9 out of ten. Share count shrank 3.2% a year. 5% of cash flow returned. Insiders: 8 sales, 0 purchases. 69th percentile among 54 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 6.0 out of ten. ROE 6%: 6¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 60th percentile among 117 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 6.5 out of ten. top 35% of 114 in its family; net margin 4.4%. 65th percentile among 114 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 7.4 out of ten. top 26% of 49 in its family for leadership; chief executive since 2022. 74th percentile among 49 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 5.3 out of ten. top 47% of 108 in its family for room to expand. 53rd percentile among 108 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 5.3 out of ten. top 47% of 100 in its family for growth drivers. 53rd percentile among 100 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 4.5 out of ten. bottom 45% of 79 in its family for expectations against reality. 45th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-16 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-07 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-04 (on EDGAR). Newest filing: Form ABS-15G, 2026-10-05. Filings on record since 1996. Read from EDGAR 2026-10-12.
Who runs it
Bradley, Charles E Jr (CEO); Robinson, Teri (Exec. Vice President); Jackson, Noel (Sr. Vice President); Ralston, Catrina Marie (Sr. Vice President); Baumeister, Michele L (Sr. Vice President); Bharwani, Denesh (Exec. Vice President); Gonel, Charles E. (Sr. Vice President); Lavin, Michael T. (President); Reynoso, Lisette (Sr. Vice President); Ryan, Susan (Sr. Vice President); and 8 more. 18 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-01.
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