CONSUMER PORTFOLIO SERVICES, INC.

Consumer Portfolio Services filed an 8-K to make available its investor presentation as of March 31, 2026. The presentation highlights strong financial performance for the three months ended March 31, 2026, with net income increasing to $5.6M and diluted EPS rising to $0.24. The company also reported significant growth in auto contract purchases and its managed portfolio, alongside a decrease in annualized net charge-offs. The company emphasized its use of AI/ML, experienced leadership, and continuous growth in shareholder value.

Consumer Portfolio Services reported a strong first quarter for 2026, with net income increasing by 18% year-over-year to $5.54 million and diluted EPS rising to $0.24. The company saw a 5.1% increase in total revenues and a significant improvement in finance receivable delinquency rates. Additionally, the company completed a $50 million securitization of residual interests and repurchased $1.24 million of common stock.

Consumer Portfolio Services, Inc. reported strong first-quarter 2026 results, with net income increasing 18% to $5.5 million, or $0.24 per diluted share, compared to the prior year. Revenues grew 5.1% to $112.3 million. The company achieved a record total portfolio balance of $3.942 billion and saw an 18% increase in new contract purchases to $533.2 million. Delinquencies improved, though annualized net charge-offs increased.

Consumer Portfolio Services, Inc. (CPS) and its subsidiary CPS Receivables Five LLC entered into agreements on April 22, 2026, to securitize approximately $526.17 million of subprime automotive receivables. This involved selling the receivables to a trust, which then issued and sold $514.07 million of asset-backed Notes in five classes. A reserve account equal to 1.00% of the aggregate receivables balance was also pledged for the benefit of noteholders, creating material long-term obligations for the company.

Consumer Portfolio Services, Inc. (CPS) successfully closed its second term securitization of 2026, raising $514.07 million through the sale of asset-backed notes. This transaction, secured by $526.17 million in automobile receivables, marks the largest securitization in the company's history and its 59th since 2011. The senior class of notes received a triple "A" rating from Moody's and DBRS Morningstar, continuing a streak of 42 consecutive highly-rated securitizations. This financing will support the company's indirect automobile financing operations.

Consumer Portfolio Services, Inc. (CPSS) and its subsidiary Page Eleven Funding LLC have amended their revolving credit agreement, significantly increasing the capacity of their warehouse credit facility. The facility, secured by automobile receivables, saw its maximum lending capacity rise from $167.5 million to $390 million. This expansion provides CPSS with enhanced liquidity and greater flexibility to acquire and finance automobile receivables, supporting its core business operations and potential growth initiatives. The agreement, with Capital One, N.A. and a Class B Lender, extends the funding termination date to October 17, 2027.

Consumer Portfolio Services, Inc. (CPSS) and its subsidiary Page Eleven Funding LLC have amended their revolving credit agreement with Capital One, N.A. and a Class B Lender. The amendment significantly increases the facility's capacity from $167.5 million to a maximum of $390 million, providing substantial additional funding for the acquisition of automobile receivables. This enhanced liquidity is crucial for CPS's core business model, allowing it to expand its portfolio of auto loans and support future growth initiatives. The facility is secured by eligible pledged receivables and extends the funding termination date to October 17, 2027.