Consumer Portfolio Services (CPSS) Investor presentation summary

Company overview

• Specializes in purchasing and servicing auto contracts from dealers, providing indirect financing to sub-prime customers in 47 states.

• Manages a $4.43 billion portfolio with 994 employees and 59 consecutive profitable quarters as of June 2026.

• Operates branches in NV, CA, IL, VA, and FL, with an average management tenure of 25 years.

• Processes about 13,000 daily applications and has completed 110 ABS deals.

Market dynamics

• U.S. auto loan market totals $1.6 trillion, with sub-prime making up about 18% of financings.

• Industry is capital-intensive, highly regulated, and fragmented with few dominant players.

• Contracts purchased in 47 states, with highest origination volumes in select states.

Product offering and customer profile

• Offers multiple programs with average yields from 14.15% to 24.85%, targeting FICO scores from 529 to 651.

• Average customer is 39 years old, $72,802 household income, 5 years at current job, and 7 years at residence.

• 72.5% of vehicles financed are pre-owned, with 56% imports and 44% domestic; 72% from factory-franchised dealerships.