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CONSUMER PORTFOLIO SERVICES, INC.

For the period ended Dec 31, 2025. Filed Mar 16, 2026.

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About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 16, 2026

CPSS$10.45+2.8%Stored close · as of Nov 9, 2026

Extracted filing text, with the paragraph anchors used by the comparison.

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Contents

Item 16. Form 10-K Summary

None.

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

CONSUMER PORTFOLIO SERVICES, INC. (registrant)
March 16, 2026By:/s/ CHARLES E. BRADLEY, JR.
Charles E. Bradley, Jr., Director and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.

March 16, 2026/s/ CHARLES E. BRADLEY, JR.
Charles E. Bradley, Jr., Director and Chief Executive Officer (Principal Executive Officer)
March 16, 2026/s/ SCOTT CARNAHAN
Scott Carahan, Director
March 16, 2026/s/ STEPHEN H. DECKOFF
Stephen H. Deckoff, Director
March 16, 2026/s/ LOUIS M. GRASSO
Lou Grasso, Director
March 16, 2026/s/ WILLIAM W. GROUNDS
William W. Grounds, Director
March 16, 2026/s/ BRIAN J. RAYHILL
Brian J. Rayhill, Director
March 16, 2026/s/ JAMES E. WALKER
James E. Walker, Director
March 16, 2026/s/ GREGORY S. WASHER
Gregory S. Washer, Director
March 16, 2026/s/ DANIEL S. WOOD
Daniel S. Wood, Director
March 16, 2026/s/ DENESH BHARWANI
Denesh Bharwani, Executive Vice President and Chief Financial Officer (Principal Accounting Officer)

INDEX TO FINANCIAL STATEMENTS

Page Reference
Report of Crowe LLP, Independent Registered Public Accounting Firm (PCAOB ID: 173)F-2
Consolidated Balance Sheets as of December 31, 2025, and 2024F-5
Consolidated Statements of Income for the years ended December 31, 2025, 2024 and 2023F-6
Consolidated Statements of Comprehensive Income for the years ended December 31, 2025, 2024 and 2023F-7
Consolidated Statements of Shareholders’ Equity for the years ended December 31, 2025, 2024 and 2023F-8
Consolidated Statements of Cash Flows for the years ended December 31, 2025, 2024 and 2023F-9
Notes to Consolidated Financial StatementsF-10

Crowe LLP Independent Member Crowe Global

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.