CONSUMER PORTFOLIO SERVICES, INC.
For the period ended Dec 31, 2025. Filed Mar 16, 2026.
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FY2025 · Filed Mar 16, 2026
CPSS$10.03-4.0%Stored close · as of Nov 10, 2026
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Item 15. Exhibits, Financial Statement Schedules
The financial statements listed below under the caption"Index to Financial Statements" are filed as a part of this report. No financial statement schedules are filed as the required information is inapplicable or the information is presented in the Consolidated Financial Statements or the related notes. Separate financial statements of the Company have been omitted as the Company is primarily an operating company and its subsidiaries are wholly owned and do not have minority equity interests held by any person other than the Company in amounts that together exceed 5% of the total consolidated assets as shown by the most recent year-end Consolidated Balance Sheet.
The exhibits listed below are filed as part of this report, whether filed herewith or incorporated by reference to an exhibit filed with the report identified in the parentheses following the description of such exhibit. Unless otherwise indicated, each such identified report was filed by or with respect to the registrant.
| Exhibit Number | Description |
| 3.1 | Restated Articles of Incorporation (Incorporated by reference herein from Exhibit 3.1 to the Form 10-K filed March 31, 2009) |
| 3.1.1 | Certificate of Designation re Series B Preferred (Incorporated by reference herein from Exhibit 3.1.1 to the Form 8-K filed by the registrant on December 30, 2010) |
| 3.2 | Amended and Restated Bylaws (Incorporated by reference herein from Exhibit 3.2 to the Form 8-K filed December 3, 2021) |
| 4. | Instruments defining the rights of holders of long-term debt of certain consolidated subsidiaries of the registrant are omitted pursuant to the exclusion set forth in subdivisions (b)(4)(iii)(A) and (b)(4)(v) of Item 601 of Regulation S-K (17 CFR 229.601). The registrant agrees to provide copies of such instruments to the United States Securities and Exchange Commission upon request. |
| 4.1 | Form of Indenture re Renewable Unsecured Subordinated Notes (“RUS Notes”). (Incorporated by reference herein from Exhibit 4.1 to Form S-1, no. 333-168976) |
| 4.2 | Form of RUS Notes (Incorporated by reference herein from Exhibit 4.2 to Form S-1, no. 333-168976) |
| 4.3 | Supplement No. 1 dated December 7, 2010 to Indenture re RUS Notes (Incorporated by reference herein from Exhibit 4.3 to Form S-1, no. 333-168976) |
| 4.4 | Supplement No. 2 dated January 22, 2014 to Indenture re RUS Notes (Incorporated by reference herein from Exhibit 4.4 to Form S-1, no. 333-190766) |
| 4.5 | Supplement No. 3 dated June 14, 2023 to Indenture re RUS Notes (Incorporated by reference herein from Exhibit 4.5 to Form S-3, no. 333-272653) |
| 10.1.0 | Purchase Agreement dated October 17, 2025, between registrant and Page Eleven Funding LLC (filed herewith) |
| 10.1.1 | Loan and Security Agreement dated October 17, 2025, amongst registrant, Page Eleven Funding LLC, Computershare Trust Company, N.A., and Capital One, National Association* (filed herewith) |
| 10.1.2 | Servicing Agreement dated November 24, 2015, amongst registrant, Page Nine Funding LLC, Ares Agent Services, L.P., and Credit Suisse AG, New York Branch* (filed herewith) |
| 10.1.3 | Security Agreement dated November 24, 2015, between Page Nine Funding LLC and Credit Suisse AG, New York Branch (filed herewith) |
| 10.1.4 | Amendments to Revolving Credit Agreement and Servicing Agreement dated November 21, 2017, amongst registrant, Page Nine Funding LLC, Credit Suisse AG, New York Branch, Mountcliff Funding LLC, Ares Commercial Finance, LP, Ares Centre Street Partnership, L.P., Ares Cactus Private Backed Fund, L.P., Ares Agent Services, L.P., and Wells Fargo Bank, National Association (filed herewith) |
| 10.1.5 | Amendments to Revolving Credit Agreement, Servicing Agreement, and Backup Servicing Agreement dated December 20, 2019, amongst registrant, Page Nine Funding LLC, Credit Suisse AG, New York Branch, Credit Suisse AG, Cayman Island Branch, Mountcliff Funding LLC, Ares Agent Services, L.P., Sonoran Cactus Private Asset Backed Fund, LLC, Glenlake Loan Fund, LLC, Ares Loan Origination LP, Ares Multi-Credit Fund LLC, Dearborn Park Asset-Backed Fund LLC, Ares Commercial Finance LP, and Wells Fargo Bank, National Association* (filed herewith) |
| 10.1.6 | Omnibus Amendment to Revolving Credit Agreement, Custodial Agreement, and Receivables Purchase Agreement, dated April 30, 2025, amongst registrant, Page Nine Funding LLC, Ares Agent Services, L.P., APC Holdings II, L.P., Sonoran Cactus Private Asset Backed Fund, LLC, Glenlake Loan Fund II, LLC, Ares Multi-Credit Fund LLC, Ares Credit Strategies Insurance Dedicated Fund Series Interests of Sali Multi-Series Fund, L.P., Ares Diversified Credit Strategies Fund (s), L.P., and Computershare Trust Company, National Association* (filed herewith) |
| 10.1.7 | Amendment to Servicing Agreement dated August 15, 2022, amongst registrant, Page Nine Funding LLC, Ares Agent Services, L.P., Southern Atlantic Re Inc., Capitol Life Insurance Company, American Family Life Assurance Company of Columbus, RSUI Indemnity Company, Transatlantic Reinsurance Company, Allianz Life Insurance Company of North America, Compsource Mutual Insurance Company, The Lincoln National Life Insurance Company, Massachusetts Mutual Life Insurance Company, Sonoran Cactus Private Asset Backed Fund, LLC (Pool III), Ares Commercial Finance LP, and APC Holdings II, L.P.* (filed herewith) |
| 10.1.8 | Amended and Restated Credit Agreement dated November 1, 2024, amongst registrant, Page Eight Funding LLC, Citibank, N.A., CAFCO, LLC, Charta, LLC, Ciesco, LLC, CRC Funding, LLC, ABF Auto Holdings 2024-1, LLC, and Oaktree Diversified Income Fund, Inc.* (filed herewith) |
| 10.1.9 | Amended and Restated Sale and Servicing Agreement dated November 1, 2024, amongst registrant, Page Eight Funding LLC, Citibank, N.A., and Computershare Trust Company, National Association* (filed herewith) |
| 10.1.10 | Amended and Restated Security Agreement dated November 1, 2024, between Page Eight Funding LLC and Citibank, N.A.(filed herewith) |
| 10.1.11 | Amendment to Amended and Restated Credit Agreement dated December 16, 2024, amongst registrant, Page Eight Funding LLC, Citibank, N.A., CAFCO, LLC, Charta, LLC, Ciesco, LLC, CRC Funding, LLC, ABF Auto Holdings 2024-1, LLC, and Oaktree Diversified Income Fund Inc.*(filed herewith) |
| 10.1.12 | Omnibus Amendments to Amended and Restated Credit Agreement and Amended and Restated Sale and Servicing Agreement, dated February 19, 2025, amongst registrant, Page Eight Funding LLC, Citibank, N.A., CAFCO, LLC, Charta, LLC, Ciesco, LLC, CRC Funding, LLC, ABF Auto Holdings 2024-1, LLC, Oaktree Diversified Income Fund Inc., and Computershare Trust Company, National Association* (filed herewith) |
| 10.1.13 | Amendment to Amended and Restated Credit Agreement dated October 8, 2025, amongst registrant, Page Eight Funding LLC, Citibank, N.A., CAFCO, LLC, Charta, LLC, Ciesco, LLC, CRC Funding, LLC, ABF Auto Holdings 2024-1, LLC, and Oaktree Diversified Income Fund Inc.*(filed herewith) |
| 10.1.14 | Auto Receivables Trust 2025-D Purchase Agreement dated October 23, 2025, between registrant and CPS Receivables Five LLC* (filed herewith) |
| 10.1.15 | Auto Receivables Trust 2025-C Purchase Agreement dated July 28, 2025, between registrant and CPS Receivables Five LLC* (filed herewith) |
| 10.1.16 | Auto Receivables Trust 2025-B Purchase Agreement dated May 12, 2025, between registrant and CPS Receivables Five LLC* (filed herewith) |
| 10.1.17 | Auto Receivables Trust 2025-A Purchase Agreement dated January 22, 2025, between registrant and CPS Receivables Five LLC* (filed herewith) |
| 10.3 | 2025 Equity Incentive Plan (Incorporated by reference herein from Exhibit 10.1 to the Form 8-K filed November 25, 2025)# |
| 10.3.1 | Form of Option Agreement 2025 (Incorporated by reference herein from Exhibit 10.2 of the Form 8-K filed November 25, 2025) # |
| 10.14 | 2006 Long-Term Equity Incentive Plan as amended May 18, 2015 (Incorporated by reference herein from pages A-1 through A-10 of the definitive proxy statement filed on April 27, 2015)# |
| 10.14.1 | Form of Option Agreement under the 2006 Long-Term Equity Incentive Plan (Incorporated by reference herein from Exhibit 10.14.1 to the Form 10-K filed March 9, 2007)# |
| 10.14.2 | Form of Option Agreement under the 2006 Long-Term Equity Incentive Plan (Incorporated by reference herein from Exhibit 99.(D)(2) to the Schedule TO filed November 12, 2009)# |
| 10.14.3 | Form of Option Agreement under the 2006 Long-Term Equity Incentive Plan (Incorporated by reference herein from Exhibit 99.(D)(3) to the Schedule TO filed November 12, 2009)# |
| 14 | Registrant’s Code of Ethics for Senior Financial Officers (Incorporated by reference herein from Exhibit 14 to the Form 10-K filed March 13, 2006) |
| 19 | Insider Trading Policy (Incorporated by reference herein from Exhibit 19 to the Form 10-K filed March 12, 2025) |
| 21 | List of subsidiaries of the registrant (filed herewith) |
| 23.1 | Consent of Crowe LLP (filed herewith) |
| 31.1 | Rule 13a-14(a) certification by Chief Executive Officer (filed herewith) |
| 31.2 | Rule 13a-14(a) certification by Chief Financial Officer (filed herewith) |
| 32 | Section 1350 certification (filed herewith) |
| 97 | Policy Relating to Recovery of Erroneously Awarded Compensation (Incorporated by reference herein from Exhibit 97 to the Form 10-K filed March 15, 2024) |
| 101.INS | Inline XBRL Instance Document |
| 101.SCH | Inline XBRL Taxonomy Extension Schema Document |
| 101.CAL | Inline XBRL Taxonomy Extension Calculation Linkbase Document |
| 101.DEF | Inline XBRL Taxonomy Extension Definition Linkbase Document |
| 101.LAB | Inline XBRL Taxonomy Extension Label Linkbase Document |
| 101.PRE | Inline XBRL Taxonomy Extension Presentation Linkbase Document |
| 104 | Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101) |
** Certain portions of this exhibit have been omitted pursuant to Item 601(b)(10) of Regulation S-K.*
# Compensatory Plan or Arrangement.
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