The upsized facility provides runway to fund accelerating loan originations through late 2027. Monitor upcoming securitization activity and the next quarterly filing for portfolio performance to confirm the growth narrative is translating into earnings.
Price Chart
Executive Summary
Consumer Portfolio Services upsized its existing warehouse credit facility with Capital One, N.A. from $390 million to $518 million, bringing total credit capacity across all facilities to $1.026 billion for the first time. The amendment supports accelerating loan origination volume and extends the revolving period through October 17, 2027, with an optional 18-month amortization period thereafter.
Key Financial Metrics
Key Facts
- Credit facility capacity increased from $390 million to $518 million, a $128 million (32.8%) increase.
- Total credit capacity across all facilities now stands at $1.026 billion, the first time above $1 billion.
- Revolving period extends through October 17, 2027, with an optional 18-month amortization period.
- Loans are secured by automobile receivables and bear interest at a floating rate above SOFR.
- Advance rate is up to 95.5% of eligible pledged receivables.
- CEO Charles E. Bradley cited strong demand and growth in origination volume as drivers for the upsizing.
Financial Impact
Credit capacity increased by $128 million to $518 million; total corporate credit capacity reaches $1.026 billion.
Risk Factors
- Floating-rate exposure to SOFR could increase interest costs if the Fed tightens.
- Defaults or early termination events could accelerate maturity if receivable performance deteriorates.
- Reliance on continued dealer and consumer demand to utilize the full capacity.
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001683168-26-007809 |
| Document: cps_ex9901.htm | 0001683168-26-007809 |
| Document: 0001683168-26-007809-index-headers.html | 0001683168-26-007809 |
| Document: 0001683168-26-007809-index.html | 0001683168-26-007809 |
| Document: 0001683168-26-007809.txt | 0001683168-26-007809 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 2d ago | 8-K | $9.52 | awaiting T+1 | — | $9.90 (+3.99%) |
Oct 22, 2026 3d ago | Press Release | $9.25 | awaiting T+1 | — | $9.90 (+7.03%) |
Oct 22, 2026 4d ago | Press Release | $9.25 $9.90 | ▲ +7.03% | ▲ +7.55% | $9.90 (+7.03%) |
Oct 21, 2026 4d ago | 8-K | $9.25 $9.90 | ▲ +7.03% | ▲ +7.55% | $9.90 (+7.03%) |
Oct 19, 2026 7d ago | Court Ruling | $8.97 $8.97 | · 0.00% | ▼ −0.53% | $9.90 (+10.37%) |
Oct 13, 2026 12d ago | 8-K | $9.07 $9.17 | ▲ +1.10% | ▲ +0.82% | $9.90 (+9.15%) |
Sep 30, 2026 25d ago | DEF 14A | $9.33 $9.09 | ▼ −2.57% | ▼ −3.31% | $9.90 (+6.11%) |
Sep 3, 2026 7w ago | Insider Cluster | $8.81 $9.40 | ▼ −6.70% | ▼ −7.08% | $9.90 (−12.37%) |
Aug 21, 2026 9w ago | 8-K | $9.30 $9.16 | ▼ −1.51% | ▼ −1.21% | $9.90 (+6.45%) |
Aug 4, 2026 11w ago | Press Release | $9.18 $9.57 | ▲ +4.25% | ▲ +4.41% | $9.90 (+7.84%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers