UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON DC 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d) OF THE

SECURITIES EXCHANGE ACT OF 1934

Date of Report (Date of earliest event reported) March 1024, 2026

	CONSUMER PORTFOLIO SERVICES, INC.
	(Exact Name of Registrant as Specified in Charter)

california

1-11416

33-0459135

(State or Other Jurisdiction

of Incorporation)

(Commission

File Number)

(IRS Employer

Identification No.)

	3800 Howard Hughes Pkwy, Suite 1400, Las Vegas, NV 89169
	(Address of Principal Executive Offices) (Zip Code)

Registrant's telephone number, including area code (949) 753-6800

	Not Applicable
	(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

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)

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

~~Item~~ITEM 27.0201. ~~Results~~REGULATION ofFD ~~Operations and Financial Condition~~DISCLOSURE.

OnWe ~~March~~are ~~10,~~today ~~2026,~~making ~~the~~available ~~registrant~~one ~~announced~~presentation ~~its~~consisting ~~earnings~~of ~~for~~19 ~~the three-month~~slides. ~~and~~A ~~twelve-month~~copy ~~periods~~is ~~ended~~attached ~~December~~as ~~31,~~an ~~2025~~exhibit. AAlthough ~~copy of~~ the ~~announcement~~exhibit is ~~attached as~~ an ~~exhibit~~update toof ~~this~~similar ~~report.~~presentations Asmade ~~noted~~available infrom ~~the announcement,~~time ~~the~~to ~~registrant~~time ~~will~~as ~~hold~~an exhibit to a ~~conference~~report ~~call~~ on ~~Wednesday~~Form 8-K, ~~March~~we ~~11,~~are ~~2026 at 1:00~~not ~~p.m.~~undertaking ET to ~~discuss~~update ~~its~~further ~~fourth-quarter 2025~~any ~~operating~~of ~~results.~~the ~~Those~~information ~~wishing~~that tois ~~participate~~contained ~~can~~in ~~pre-register~~the ~~for~~attached ~~the~~presentation. The ~~conference~~same ~~call~~presentation atfurnished ~~the~~as ~~following~~an ~~link~~exhibit ~~https://register-conf.media-server.com/register/BI939b54a85b184d6b8c4cb82440102b17. Registered~~to ~~participants~~this report will ~~receive~~be anmade ~~email~~available ~~containing~~on ~~conference~~our ~~call~~website, ~~details~~at ~~for~~this ~~dial-in options.~~address:

~~Item 9~~http://ir.01consumerportfolio. ~~Financial Statements~~ com/events-and ~~Exhibits.~~-presentations/presentations

~~Neither~~We ~~financial~~routinely ~~statements~~post ~~nor~~important ~~pro~~information, ~~forma~~including news releases and ~~financial~~reports ~~information~~to ~~are~~the ~~filed~~U.S. ~~with~~Securities ~~this~~and ~~report~~Exchange Commission, on our website.

~~(d)~~The ~~Exhibits~~information furnished in this report shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended.

~~One~~ITEM ~~exhibit~~9.01. isFINANCIAL ~~included~~STATEMENTS ~~with~~AND ~~this report:~~EXHIBITS.

99.1	News release re earnings.
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

Neither financial statements nor pro forma financial information are filed with this report.

2(d) Exhibits

~~SIGNATURES~~One exhibit is attached:

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

99.1	Company Summary as of December 31, 2025
104	Cover Page Interactive Data File (embedded within the Inline XBRL document).

	CONSUMER PORTFOLIO SERVICES, INC.
Dated: March 10, 2026	By: /s/ Denesh Bharwani
	Denesh Bharwani Executive Vice President and Chief Financial Officer Signing on behalf of the registrant

3SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	CONSUMER PORTFOLIO SERVICES, INC.


Dated: March 24, 2026	By: /s/ Denesh Bharwani
	Denesh Bharwani Executive Vice President Signing on behalf of the registrant

Filing Compare · CONSUMER PORTFOLIO SERVICES, INC.