Table of Contents Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value CPSS The Nasdaq Stock Market LLC (Global Market) UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2020 Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) ...

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q1 2020 Results Conference Call April 16, 2020 1:00 PM ET Company Participants Charles Bradley - CEO Jeff Fritz - CFO Conference Call Participants David Scharf - JMP Securities John Rowan - Janney Kyle Joseph - Jefferies Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2020 First Quarter Operating Results Conference Call. Today's call is being recorded. Before we begin, management has asked me to inform you that this conference call ...

Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, no par value CPSS The Nasdaq Stock Market LLC (Global Market) Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________ FORM 10-K [X] ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019 Commission file number: 001-14116 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in it ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2019 Commission file number: 1-14116 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) California 33-0459135 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 3800 Howard Hughes Parkway, Suit ...

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q3 2019 Earnings Conference Call October 30, 2019 1:00 PM ET Company Participants Charles Bradley - CEO Jeff Fritz - CFO, Consumer Portfolio Services Conference Call Participants John Rowan - Janney Kyle Joseph - Jefferies Charles Bradley - Consumer Portfolio Services Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2019 Third Quarter Operating Results Conference Call. Today's call is being recorded. Before we begin, management has a ...

Financial Performance - Total revenues for the three months ended June 30, 2019, were $86,325, a decrease of 13% compared to $99,362 for the same period in 2018[15] - Net income for the three months ended June 30, 2019, was $1,800, down 43% from $3,165 in the same period of 2018[17] - Net income for the six months ended June 30, 2019, was $3,539,000, a decrease of 43.8% compared to $6,312,000 for the same period in 2018[19] - Total revenues for the six months ended June 30, 2019 were $174.6 million, a decrease of $28.4 million, or 14.0%, from the prior year, primarily due to a decrease in interest income[141] - Interest income for the six months ended June 30, 2019 decreased by $27.6 million, or 14.0%, to $170.3 million from $197.9 million in the prior year[141] Operating Expenses - Total operating expenses were $83.6 million for the three months ended June 30, 2019, a decrease of $11.1 million, or 11.8%, compared to $94.7 million in the prior period[122] - Total operating expenses were $169.1 million for the six months ended June 30, 2019, a decrease of $24.6 million, or 12.7%, primarily due to a decrease in provision for credit losses[148] - Employee costs for the three months ended June 30, 2019, were $19,706, slightly down from $19,842 in the same period of 2018[15] - Employee costs decreased by $1.7 million or 4.2%, to $38.8 million during the six months ended June 30, 2019, representing 22.9% of total operating expenses[149] Interest and Financing - Interest income for the three months ended June 30, 2019 was $84.4 million, compared to $97.0 million for the same period in 2018, representing a decrease of approximately 12.5%[73] - Interest expense for the three months ended June 30, 2019 was $27.7 million, an increase of 10% from $25.2 million in the same period of 2018[73] - Interest expense for the six months ended June 30, 2019 increased by $5.7 million to $55.0 million, or 11.7%, representing 32.5% of total operating expenses[150] - The blended cost of funds for recent securitizations has generally increased, with a cost of 4.4% for the six months ended June 30, 2019, compared to 4.1% in the prior year[152] Credit Quality and Losses - The allowance for finance credit losses decreased to $32,664 as of June 30, 2019, from $67,376 as of December 31, 2018, indicating improved credit quality[14] - Provision for credit losses was $20.5 million for the three months ended June 30, 2019, a decrease of $15.0 million, or 42.3%, compared to the prior year, representing 24.5% of total operating expenses[136] - Provision for credit losses was $44.4 million for the six months ended June 30, 2019, a decrease of $31.6 million, or 41.5%, compared to the prior year, representing 26.3% of total operating expenses[161] Cash Flow and Investments - Net cash provided by operating activities increased to $112,418,000 from $101,295,000, representing an increase of 10.5% year-over-year[19] - Net cash used in investing activities was $(115,377,000), compared to $(93,069,000) in the prior year, indicating an increase in cash outflow of 24.0%[19] - Purchases of finance receivables were $494.6 million in the first six months of 2019, compared to $430.6 million in the same period of 2018, marking an increase of 14.9%[1] Debt and Equity - Total liabilities increased to $2,324,130 as of June 30, 2019, from $2,288,562 as of December 31, 2018[14] - Total shareholders' equity at the end of the period was $200,683,000, up from $189,622,000, reflecting an increase of 5.6%[21] - As of June 30, 2019, the company had outstanding debt of $195.1 million, a slight decrease from $195.4 million at December 31, 2018[70] Securitization and Asset Management - The company completed a securitization transaction on July 24, 2019, selling $243.5 million of asset-backed notes secured by $244.1 million in automobile receivables[68] - The company completed two securitizations aggregating $482.7 million of notes sold during the six-month period ended June 30, 2019[1] - The average balance of securitization trust debt increased by 2.3% to $2,175.9 million for the three months ended June 30, 2019[127] Delinquencies and Extensions - Total delinquencies amounted to 22,975 contracts, with a total value of $315,389 thousand, compared to 15,140 contracts valued at $200,339 thousand in the previous year, indicating a significant increase in delinquencies[166] - Average number of extensions granted per month decreased to 4,994 in June 2019 from 10,298 in June 2018, reflecting a reduction of approximately 51.5%[1] - The company considers extensions to be insignificant delays in payments rather than troubled debt restructurings, with specific criteria for granting extensions based on the obligor's situation[170] Forward-Looking Statements - Forward-looking statements may involve risks and uncertainties, including changes in economic conditions and competition[206] - The company does not undertake any obligation to publicly update forward-looking information[208]

Consumer Portfolio Services, Inc (NASDAQ:CPSS) Q2 2019 Earnings Conference Call July 25, 2019 1:00 PM ET Company Participants Charles Bradley – Chief Executive Officer Jeff Fritz – Chief Financial Officer-Consumer Portfolio Services Conference Call Participants David Scharf – JMP Securities Kyle Joseph – Jefferies Mitch Sacks – Grand Slam Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2019 Second Quarter Operating Results Conference Call. Today, the call is being recorded. Befor ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2019 Commission file number: 1-11416 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) California 33-0459135 (State or other jurisdiction of incorporation or organization) (IRS Employer Identification No.) 3800 Howard Hughes Parkway, Suite 14 ...

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Q1 2019 Earnings Conference Call April 19, 2019 12:00 PM ET Company Participants Charles Bradley – Chief Executive Officer Jeff Fritz – Chief Financial Officer-Consumer Portfolio Services Conference Call Participants Operator Good day, everyone, and welcome to the Consumer Portfolio Services 2019 First Quarter Operating Results Conference Call. Today's call is being recorded. Before we begin, management has asked me to inform you that this conference call may ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 ________________ FORM 10-K [X] ANNUAL REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018 Commission file number: 001-14116 CONSUMER PORTFOLIO SERVICES, INC. (Exact name of registrant as specified in its charter) California 33-0459135 (State or other jurisdiction of incorporation or organization) (I.R.S. Employer Identification No.) 3800 Howard Hughes Pkwy ...