Consumer Portfolio Services Partners with Valley Strong Credit Union, Expanding Annual Originations by $900M
Consumer Portfolio Services announced that on December 12, it began a new forward flow program with Valley Strong Credit Union, a leading full-service credit union located in California's Central Valley. Valley Strong's commitment under the forward flow program will enable CPS to expand its annual origination volumes by as much as $900M. The program will focus on borrowers with prime credit, providing CPS the opportunity to serve borrowers in all tiers of the credit spectrum, through its AI enabled auto finance platform. Additionally, the program enhances CPS' ability to be a full spectrum lender and will further establish CPS as the preferred lender for its dealership partners. Finally, CPS will leverage its proprietary, AI enhanced loan and collections systems on behalf of Valley Strong to originate and service the prime automobile loans.
Trade with 70% Backtested Accuracy
Analyst Views on CPSS
About CPSS
About the author
Consumer Portfolio Services Inc. Reports Q3 Profit Below Expectations
Earnings Report: Consumer Portfolio Services Inc. (CPSS) reported third-quarter earnings of $4.85 million, or $0.20 per share, which matched last year's figures but fell short of analysts' expectations of $0.30 per share.
Revenue Growth: The company's revenue increased by 7.8% to $108.42 million compared to $100.58 million in the same quarter last year.
CPS Reports Earnings for the Third Quarter of 2025
Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $108.4 million for Q3 2025, a 7.8% increase from $100.6 million in Q3 2024, with pretax income rising to $7.0 million from $6.9 million in the prior year.
Contract Purchases: The company purchased $391.1 million in new contracts during the quarter, contributing to a total of $1.275 billion for the first nine months of 2025, up from $1.224 billion in the same period of 2024.
Delinquency and Charge-off Rates: Annualized net charge-offs increased to 8.01% of the average portfolio in Q3 2025, compared to 7.32% in Q3 2024, while delinquencies greater than 30 days slightly decreased to 13.96% from 14.04%.
Future Outlook: CEO Charles E. Bradley expressed satisfaction with the quarterly results, highlighting strong loan origination volumes and operational efficiencies, and announced a conference call to discuss the results further.
CPS Reveals $167.5 Million Credit Facility Closure
New Credit Agreement: Consumer Portfolio Services, Inc. closed a new two-year revolving credit agreement on October 17, 2025, secured by automobile receivables.
Borrowing Terms: The credit facility allows CPS to borrow on a revolving basis until October 2027, with options for full repayment or amortization afterward.
Company Overview: CPS specializes in indirect automobile financing for individuals with credit challenges, purchasing retail installment sales contracts primarily from franchised dealerships.
Risks and Forward-Looking Statements: The company acknowledges potential risks that could affect the revolving credit period, including defaults, economic conditions, and regulatory changes.
Gateway Group Reveals Complete Lineup of Over 60 Companies in AI, FinTech, Cleantech, and Other Growth Industries for Presentation in San Francisco on September 3–4
Gateway Conference Announcement: Gateway Group has confirmed the lineup for its annual Gateway Conference, scheduled for September 3-4, 2025, at the Four Seasons Hotel in San Francisco, featuring over 60 public and private companies from various high-growth sectors.
Diverse Presenting Companies: Notable participants include Applied Digital, Anterix, Solaris Energy Infrastructure, and Bitcoin Depot, among others, showcasing innovations across AI, fintech, cleantech, and more.
Investor Engagement: The conference will host over 300 institutional investors and analysts, with a partnership with Stocktwits to enhance engagement with retail investors through live broadcasts.
Focus on Networking: The event emphasizes building connections between innovative companies and thoughtful investors, aiming to foster long-term relationships and value creation within the investment community.
CPS Announces Second Quarter 2025 Earnings
Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $109.8 million for Q2 2025, a 14.5% increase from the previous year, with pretax income rising to $7.0 million and net income increasing to $4.8 million.
Operational Highlights: The company achieved record high shareholder's equity exceeding $300 million and purchased new contracts worth $433.0 million during the quarter, while maintaining a focus on credit quality amidst slight increases in delinquencies and charge-offs.
CPS to Host Conference Call on Second Quarter 2025 Earnings
Conference Call Announcement: Consumer Portfolio Services, Inc. will hold a conference call on August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results, with pre-registration available online.
Company Overview: CPS is an independent finance company that provides automobile financing to individuals with credit challenges, primarily purchasing retail installment sales contracts from dealerships and funding through securitization markets.
Consumer Portfolio Services Inc. Reports Q3 Profit Below Expectations
Earnings Report: Consumer Portfolio Services Inc. (CPSS) reported third-quarter earnings of $4.85 million, or $0.20 per share, which matched last year's figures but fell short of analysts' expectations of $0.30 per share.
Revenue Growth: The company's revenue increased by 7.8% to $108.42 million compared to $100.58 million in the same quarter last year.
CPS Reports Earnings for the Third Quarter of 2025
Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $108.4 million for Q3 2025, a 7.8% increase from $100.6 million in Q3 2024, with pretax income rising to $7.0 million from $6.9 million in the prior year.
Contract Purchases: The company purchased $391.1 million in new contracts during the quarter, contributing to a total of $1.275 billion for the first nine months of 2025, up from $1.224 billion in the same period of 2024.
Delinquency and Charge-off Rates: Annualized net charge-offs increased to 8.01% of the average portfolio in Q3 2025, compared to 7.32% in Q3 2024, while delinquencies greater than 30 days slightly decreased to 13.96% from 14.04%.
Future Outlook: CEO Charles E. Bradley expressed satisfaction with the quarterly results, highlighting strong loan origination volumes and operational efficiencies, and announced a conference call to discuss the results further.
CPS Reveals $167.5 Million Credit Facility Closure
New Credit Agreement: Consumer Portfolio Services, Inc. closed a new two-year revolving credit agreement on October 17, 2025, secured by automobile receivables.
Borrowing Terms: The credit facility allows CPS to borrow on a revolving basis until October 2027, with options for full repayment or amortization afterward.
Company Overview: CPS specializes in indirect automobile financing for individuals with credit challenges, purchasing retail installment sales contracts primarily from franchised dealerships.
Risks and Forward-Looking Statements: The company acknowledges potential risks that could affect the revolving credit period, including defaults, economic conditions, and regulatory changes.
Gateway Group Reveals Complete Lineup of Over 60 Companies in AI, FinTech, Cleantech, and Other Growth Industries for Presentation in San Francisco on September 3–4
Gateway Conference Announcement: Gateway Group has confirmed the lineup for its annual Gateway Conference, scheduled for September 3-4, 2025, at the Four Seasons Hotel in San Francisco, featuring over 60 public and private companies from various high-growth sectors.
Diverse Presenting Companies: Notable participants include Applied Digital, Anterix, Solaris Energy Infrastructure, and Bitcoin Depot, among others, showcasing innovations across AI, fintech, cleantech, and more.
Investor Engagement: The conference will host over 300 institutional investors and analysts, with a partnership with Stocktwits to enhance engagement with retail investors through live broadcasts.
Focus on Networking: The event emphasizes building connections between innovative companies and thoughtful investors, aiming to foster long-term relationships and value creation within the investment community.
CPS Announces Second Quarter 2025 Earnings
Financial Performance: Consumer Portfolio Services, Inc. reported revenues of $109.8 million for Q2 2025, a 14.5% increase from the previous year, with pretax income rising to $7.0 million and net income increasing to $4.8 million.
Operational Highlights: The company achieved record high shareholder's equity exceeding $300 million and purchased new contracts worth $433.0 million during the quarter, while maintaining a focus on credit quality amidst slight increases in delinquencies and charge-offs.
CPS to Host Conference Call on Second Quarter 2025 Earnings
Conference Call Announcement: Consumer Portfolio Services, Inc. will hold a conference call on August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results, with pre-registration available online.
Company Overview: CPS is an independent finance company that provides automobile financing to individuals with credit challenges, primarily purchasing retail installment sales contracts from dealerships and funding through securitization markets.
