CONSUMER PORTFOLIO SERVICES, INC.
For the period ended Nov 19, 2025. Filed Oct 28, 2025.
View on SEC.govAbout this filing
What shareholders are asked to vote on at a company's meeting. It is where to find what directors and top executives are paid, and who owns the most shares.
Nov 19, 2025 · Filed Oct 28, 2025
Contents
PAY VERSUS PERFORMANCE
Pay versus Performance Chart
Pursuant to Section 953(a) of the Dodd-Frank Wall Street Reform and Consumer Protection Act and Item 402(v) of Regulation S-K , we are providing the following information for the five most recent fiscal years. The Compensation Committee did not consider the disclosures below in making its compensation decisions. For information on our compensation decisions and policies related to Company performance, see the “Compensation Discussion and Analysis” section above.
The following tables and related disclosures provide information about (i) the total compensation of our principal executive officer (“PEO”) and our non-PEO Named Executive Officers (collectively, the “NEOs”) as presented in the “Summary Compensation Table” (the “SCT”) section above, (ii) the “compensation actually paid” (“CAP”) to our PEO and our and non-PEO NEOs, as calculated pursuant to Item 402(v), (iii) certain financial performance measures, and (iv) the relationship of the CAP to those financial performance measures.
| Year · Summary Compensation Table Total for PEO (1) · Compensation Actually Paid to PEO (1) (2) · Average Summary Compensation Table Total for Non-PEO NEOs (1) · Average Compensation Actually Paid to Non-PEO NEOs (1)(2) · Value of Initial Fixed $100 Investment Based On: · Net Income · Diluted EPS (4) | ||||||||
|---|---|---|---|---|---|---|---|---|
| Total Shareholder Return (3) · Peer Group Total Shareholder Return (3) | ||||||||
| (a) | (b) | (c) | (d) | (e) | (f) | (g) | (h) | (i) |
| 2024 | $4,165,611 | $3,258,651 | $839,162 | $758,397 | $322.26 | $187.92 | $19,203,000 | $0.79 |
| 2023 | 4,000,342 | 4,586,692 | 836,241 | 998,575 | 278.04 | 149.92 | 45,343,000 | 1.80 |
| 2022 | 10,861,201 | 4,422,946 | 979,271 | (33,768) | 262.61 | 117.64 | 85,983,000 | 3.23 |
| 2021 | 4,690,660 | 10,294,090 | 1,023,185 | 2,586,673 | 351.63 | 143.81 | 47,524,000 | 1.84 |
| 2020 | 3,914,056 | 5,093,755 | 905,150 | 1,331,479 | 125.82 | 115.05 | 21,677,000 | 0.90 |
| (1) | In each year identified, our PEO was Mr. Bradley. For the fiscal year ended December 31, 2024, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, and Mr. Terry. For the fiscal year ended December 31, 2023, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, and Ms. Laurie Straten. For the fiscal year ended December 31, 2022, our non-PEO NEOs were Mr. Lavin, Mr. Bharwani, Ms. Robinson, Ms. Laurie Straten, and Mr. Jeffrey Fritz. For the fiscal years ended December 31, 2020 and 2021, our non-PEO NEOs were Mr. Jeffrey Fritz, Mr. Lavin, Ms. Robinson, and Ms. Laurie Straten. |
| (2) | The table below describes adjustments made to the calculation of CAP in accordance with Item 402(v) of Regulation S-K, to the amounts previously reported in the SCT. The adjustments are as follows: |
| PEO | PEO | PEO | PEO | PEO | Average for Non-PEO NEOs | Average for Non-PEO NEOs | Average for Non-PEO NEOs | Average for Non-PEO NEOs | Average for Non-PEO NEOs | |
|---|---|---|---|---|---|---|---|---|---|---|
| Fiscal Year | 2024 | 2023 | 2022 | 2021 | 2020 | 2024 | 2023 | 2022 | 2021 | 2020 |
| Summary Compensation Table Total | $4,165,611 | $4,000,342 | $10,861,201 | $4,690,660 | $3,914,056 | $839,162 | $836,241 | $979,271 | $1,023,185 | $905,150 |
| Deduct Amounts Reported under the “Option Awards” in the SCT | – | – | (5,885,850) | (795,300) | (318,696) | – | – | (268,920) | (198,825) | (132,790) |
| Add the fair value as of the end of the covered fiscal year of all awards granted during the covered fiscal year that are outstanding and unvested as of the end of the covered fiscal year | – | – | (1,280,850) | 1,836,900 | 357,120 | – | – | (70,578) | 459,225 | 148,800 |
| Add the amount equal to the change as of the end of the covered fiscal year (from the end of the prior fiscal year) in fair value (whether positive or negative) of any awards granted in any prior fiscal year that are outstanding and unvested as of the end of the covered fiscal year | (235,800) | (187,830) | 2,212,695 | 4,467,225 | 1,170,000 | (7,695) | 10,655 | (798,133) | 1,273,656 | 417,500 |
| Add, for awards that are granted and vest in the same year, the fair value as of the vesting date | – | – | – | – | – | – | – | – | – | – |
| Add the amount equal to the change as of the vesting date (from the end of the prior fiscal year) in fair value (whether positive or negative) of any awards granted in any prior fiscal year for which all applicable vesting conditions were satisfied at the end of or during the covered fiscal year | (671,160) | 774,180 | 451,695 | 94,605 | (28,725) | (73,069) | 151,679 | 124,592 | 29,431 | (7,181) |
| Subtract, for any awards granted in any prior fiscal year that fail to meet the applicable vesting conditions during the covered fiscal year, the amount equal to the fair value at the end of the prior fiscal year | – | – | (1,935,945) | – | – | – | – | – | – | – |
| Compensation Actually Paid | $3,258,651 | $4,586,692 | $4,422,946 | $10,294,090 | $5,093,755 | $758,397 | $998,575 | $(33,768) | $2,586,673 | $1,331,479 |
| (3) | Total Shareholder Return assumes $100 was invested in our common stock and in a peer group on December 31, 2019 and assumes the reinvestment of dividends and is cumulative for the measurement periods beginning on that date and ending on the last fiscal day in 2024, 2023, 2022, 2021, and 2020, respectively. The peer group is represented by the Nasdaq OMX Financial Services Index. The amounts disclosed in Total Shareholder Return for 2023 and Peer Group Total Shareholder Return for 2020 through 2023 represent a correction to previously reported amounts. |
| (4) | In the Company’s assessment as required by Item 402(v), Diluted EPS is the financial performance measure that is the most important financial performance measure (other than total shareholder return and net income) used by the Company for the most recently completed fiscal year to link CAP to performance. |
Relationship Between Compensation Actually Paid and Cumulative Total Shareholder Return (Company and Peer Group)
The graph below shows the relationship between (A) (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Company’s total shareholder returns, and (B) the Company’s total shareholder return versus the peer group’s total shareholder returns across the last five completed fiscal years.
Relationship Between Compensation Actually Paid and Net Income
The graph below shows the relationship between (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Company’s net income during the last five completed fiscal years.
Relationship Between Compensation Actually Paid and Diluted EPS
The graph below shows the relationship between (i) the CAP to our PEO and the average CAP to the non-PEO NEOs, and (ii) the Diluted EPS.
Financial Performance Measures
In accordance with Item 402(v) of Regulation S-K below is an unranked list of financial performance measures which in our assessment represents the most important financial measures used by the Company to link CAP to the PEO and non-PEO NEOs for the most recently completed fiscal year.
Diluted EPS
Revenue
Net Interest Margin
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.