CONSUMER PORTFOLIO SERVICES, INC.

Consumer Portfolio Services is a specialty finance company that purchases and services retail automobile contracts originated by franchised and select independent vehicle dealers. The company provides indirect financing to automotive customers with limited or troubled credit histories, functioning as an alternative funding source for dealers whose buyers cannot obtain traditional financing from banks, credit unions, or captive finance subsidiaries. The company also acquires installment purchase contracts through merger and acquisition transactions and purchases vehicle purchase money loans from non-affiliated lenders.

The core business centers on the origination and servicing of automobile contracts, which represents the company's primary revenue stream. The company maintains servicing operations across five states: California, Nevada, Virginia, Florida, and Illinois, with headquarters in Las Vegas, Nevada. Operations are supported by approximately 918 full-time employees. Founded in 1991 and incorporated in California, the company operates as a publicly listed entity on the Nasdaq with a market capitalization of approximately $0.2 billion.