Core Insights - Consumer Portfolio Services, Inc. reported earnings of $4.9 million, or $0.20 per diluted share, for Q3 2025, showing a slight increase from $4.8 million in Q3 2024 [1] - Revenues for Q3 2025 reached $108.4 million, a 7.8% increase from $100.6 million in Q3 2024 [2] - Total operating expenses for Q3 2025 were $101.4 million, up from $93.7 million in the same period last year [2] Financial Performance - For the nine months ended September 30, 2025, total revenues were $325.1 million, a 12.8% increase from $288.2 million in the same period of 2024 [3] - Total operating expenses for the nine months ended September 30, 2025, were $304.3 million, compared to $268.1 million for the same period in 2024 [3] - Net income for the nine months ended September 30, 2025, increased to $14.3 million from $14.1 million in the prior year [3] Portfolio and Contracts - The company purchased $1.275 billion of new contracts in the first nine months of 2025, compared to $1.224 billion during the same period in 2024 [4] - As of September 30, 2025, total receivables amounted to $3.760 billion, up from $3.330 billion a year earlier [4] Credit Quality - Annualized net charge-offs for Q3 2025 were 8.01% of the average portfolio, compared to 7.32% in Q3 2024 [5] - Delinquencies greater than 30 days were 13.96% of the total portfolio as of September 30, 2025, slightly down from 14.04% a year earlier [5] Management Commentary - The CEO expressed satisfaction with the third-quarter results, highlighting strong new loan origination volumes and operational efficiencies driving revenue growth [6]

Group 1 - The company, Consumer Portfolio Services, Inc. (CPS), will hold a conference call on November 11, 2025, at 1:00 p.m. ET to discuss its third quarter 2025 operating results [1] - Participants can pre-register for the conference call through a provided link and will receive an email with dial-in options [2] - A replay of the conference call will be available for 12 months on the company's website starting two hours after the call concludes [2] Group 2 - Consumer Portfolio Services, Inc. is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems or limited credit histories [3] - The company purchases retail installment sales contracts primarily from franchised automobile dealerships, secured by late model used vehicles and, to a lesser extent, new vehicles [3] - CPS funds these contract purchases mainly through the securitization markets and services the contracts over their lives [3]

Core Points - Credit Acceptance Corporation is set to release its third quarter 2025 earnings on October 30, 2025, after market close [1] - A conference call and webcast will take place on the same day at 5:00 p.m. Eastern Time to discuss the earnings [2] - The webcast will be accessible via the company's Investor Relations website, and a replay will be available afterward [3] Company Description - Credit Acceptance Corporation provides innovative financing solutions that enable automobile dealers to sell vehicles to consumers with varying credit histories [4] - The company's financing programs help consumers who might otherwise be unable to purchase vehicles, thereby improving their credit scores and enabling access to traditional financing sources [5]

Group 1 - Consumer Portfolio Services, Inc. (CPS) will present at the 2025 Annual Gateway Conference on September 3 at 1:30 p.m. PT [1][2] - The conference will take place at the Four Seasons Hotel in San Francisco, CA, and will feature over 75 public and private companies [3][4] - CPS specializes in providing indirect automobile financing to consumers, particularly those with past credit issues or limited credit histories [6] Group 2 - The Gateway Conference aims to connect growth-stage companies with investors, analysts, and partners [3][4] - CPS executives will be available for one-on-one meetings during the conference, allowing for direct engagement with potential investors [2] - Gateway Group has over 25 years of experience in financial communications and supports emerging growth companies [5]

Group 1 - Consumer Portfolio Services, Inc. (CPS) will hold a conference call on August 12, 2025, at 1:00 p.m. ET to discuss its second quarter 2025 operating results [1] - Participants can pre-register for the conference call through a provided link and will receive an email with dial-in options [2] - A replay of the conference call will be available for 12 months on the company's website starting two hours after the call concludes [2] Group 2 - Consumer Portfolio Services, Inc. is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems or limited credit histories [3] - The company purchases retail installment sales contracts primarily from franchised automobile dealerships, secured by late model used vehicles and, to a lesser extent, new vehicles [3] - CPS funds these contract purchases mainly through the securitization markets and services the contracts over their lives [3]

Group 1 - Consumer Portfolio Services, Inc. (CPS) will hold a conference call on May 13, 2025, at 1:00 p.m. ET to discuss its first quarter 2025 operating results [1] - Participants can pre-register for the conference call and will receive an email with dial-in options [2] - A replay of the conference call will be available for 12 months on the company's website [2] Group 2 - Consumer Portfolio Services, Inc. is an independent specialty finance company that provides indirect automobile financing to individuals with past credit problems or limited credit histories [3] - The company purchases retail installment sales contracts primarily from franchised automobile dealerships, secured by late model used vehicles and, to a lesser extent, new vehicles [3] - CPS funds these contract purchases primarily through the securitization markets and services the contracts over their lives [3]