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.

• Managed portfolio reached $3.89 billion with 8,000 daily applications and 57 consecutive profitable quarters.

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

• Employs 913 people as of December 2025.

Market dynamics

• U.S. auto loan market totals $1.6 trillion, with sub-prime representing about 15% 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 13.93% to 24.33%, targeting FICO scores from 553 to 656.

• Average customer is 41 years old, with $76,443 household income, 5 years at current job, and 7 years at current residence.

• 72% of vehicles financed are pre-owned, 52% are imports, and 71% are from factory franchised dealerships.