Consumer Portfolio Services Management

Management criteria checks 3/4

Consumer Portfolio Services' CEO is Charles Bradley, appointed in Jan 1992, has a tenure of 32.83 years. total yearly compensation is $4.00M, comprised of 24.9% salary and 75.1% bonuses, including company stock and options. directly owns 24.96% of the company’s shares, worth $56.96M. The average tenure of the management team and the board of directors is 5.7 years and 17.4 years respectively.

Key information

Charles Bradley

Chief executive officer

US$4.0m

Total compensation

CEO salary percentage	24.9%
CEO tenure	32.8yrs
CEO ownership	25.0%
Management average tenure	5.7yrs
Board average tenure	17.4yrs

Recent management updates

Recent updates

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Jul 17

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares

Apr 11

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Jan 04

With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case

Jul 13

Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?

Mar 30

Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors

Dec 20

CEO Compensation Analysis

How has Charles Bradley's remuneration changed compared to Consumer Portfolio Services's earnings?
Date	Total Compensation	Salary	Company Earnings
Sep 30 2024	n/a	n/a	US$21m
Jun 30 2024	n/a	n/a	US$27m
Mar 31 2024	n/a	n/a	US$36m
Dec 31 2023	US$4m	US$995k	US$45m
Sep 30 2023	n/a	n/a	US$52m
Jun 30 2023	n/a	n/a	US$67m
Mar 31 2023	n/a	n/a	US$79m
Dec 31 2022	US$11m	US$995k	US$86m
Sep 30 2022	n/a	n/a	US$91m
Jun 30 2022	n/a	n/a	US$79m
Mar 31 2022	n/a	n/a	US$63m
Dec 31 2021	US$5m	US$995k	US$48m
Sep 30 2021	n/a	n/a	US$33m
Jun 30 2021	n/a	n/a	US$23m
Mar 31 2021	n/a	n/a	US$16m
Dec 31 2020	US$4m	US$995k	US$22m
Sep 30 2020	n/a	n/a	US$18m
Jun 30 2020	n/a	n/a	US$16m
Mar 31 2020	n/a	n/a	US$14m
Dec 31 2019	US$4m	US$995k	US$5m
Sep 30 2019	n/a	n/a	US$11m
Jun 30 2019	n/a	n/a	US$12m
Mar 31 2019	n/a	n/a	US$13m
Dec 31 2018	US$4m	US$995k	US$15m
Sep 30 2018	n/a	n/a	-US$441k
Jun 30 2018	n/a	n/a	US$1m
Mar 31 2018	n/a	n/a	US$2m
Dec 31 2017	US$4m	US$995k	US$4m

Compensation vs Market: Charles's total compensation ($USD4.00M) is above average for companies of similar size in the US market ($USD1.47M).

Compensation vs Earnings: Charles's compensation has been consistent with company performance over the past year.

CEO

Charles Bradley (64 yo)

32.8yrs

Tenure

US$4,000,342

Compensation

Mr. Charles E. Bradley, Jr. had been the President of Consumer Portfolio Services, Inc. since March 1, 1991 until December 02, 2022 and has been its Director since March 1, 1991. He serves as is its Chairm...

Leadership Team

Name	Position	Tenure	Compensation	Ownership
Charles Bradley	CEO & Chairman	32.8yrs	US$4.00m	24.96% $ 57.0m
Michael Lavin	President	5.8yrs	US$1.03m	1.88% $ 4.3m
Denesh Bharwani	CFO and Executive VP of Accounting & Finance	7.7yrs	US$757.00k	1.37% $ 3.1m
Teri Robinson	Executive Vice President of Sales & Originations	3.8yrs	US$799.75k	2.13% $ 4.9m
Laurie Straten	Executive Vice President of Servicing	11.3yrs	US$753.81k	0.72% $ 1.6m
Bryan Rayhill	Secretary & Independent Director	no data	US$106.20k	0.95% $ 2.2m
Lisette Reynoso	Senior VP & General Counsel	1.4yrs	no data	0% $ 0
April Crisp	Senior Vice President of Compliance and Regulatory Affairs	no data	no data	0.080% $ 183.5k
Catrina Ralston	Senior Vice President of Human Resources	1.9yrs	no data	0.20% $ 449.4k
Christopher Terry	Executive Vice President of Systems	21.8yrs	US$536.72k	0.95% $ 2.2m
John Harton	Senior Vice President of Business Development	5.7yrs	no data	1.19% $ 2.7m
Steve Schween	Senior Vice President of Information Systems	1.9yrs	no data	no data

5.7yrs

Average Tenure

56yo

Average Age

Experienced Management: CPSS's management team is seasoned and experienced (5.7 years average tenure).

Board Members

Name	Position	Tenure	Compensation	Ownership
Charles Bradley	CEO & Chairman	33.7yrs	US$4.00m	24.96% $ 57.0m
Bryan Rayhill	Secretary & Independent Director	18.3yrs	US$106.20k	0.95% $ 2.2m
William Roberts	Independent Director	33.7yrs	US$82.40k	3.6% $ 8.2m
Daniel Wood	Independent Director	23.3yrs	US$106.20k	0.93% $ 2.1m
Stephen Deckoff	Independent Director	2.3yrs	US$74.00k	no data
James Walker	Independent Director	2.3yrs	US$75.00k	no data
William Grounds	Independent Director	2.9yrs	US$91.80k	0.021% $ 49.0k
Gregory Washer	Independent Director	17.4yrs	US$97.80k	1.74% $ 4.0m
Louis Grasso	Independent Director	5.1yrs	US$83.40k	0.048% $ 109.8k

17.4yrs

Average Tenure

64.5yo

Average Age

Experienced Board: CPSS's board of directors are seasoned and experienced ( 17.4 years average tenure).

Consumer Portfolio Services Management

Management criteria checks 3/4

Key information

Recent management updates

Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024

Executive Vice President of Servicing exercised options and sold US$134k worth of stock

Independent Director recently sold US$74k worth of stock

Secretary & Independent Director exercised options and sold US$164k worth of stock

Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023

CEO & Chairman exercised options and sold US$723k worth of stock

Recent updates

Consumer Portfolio Services, Inc., Annual General Meeting, Nov 12, 2024

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Executive Vice President of Servicing exercised options and sold US$134k worth of stock

Investor sentiment improves as stock rises 18%

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Doing What It Can To Lift Shares

Investor sentiment deteriorates as stock falls 15%

Consumer Portfolio Services, Inc. (NASDAQ:CPSS) Could Be Riskier Than It Looks

Independent Director recently sold US$74k worth of stock

New minor risk - Shareholder dilution

New minor risk - Profit margin trend

Secretary & Independent Director exercised options and sold US$164k worth of stock

Consumer Portfolio Services, Inc., Annual General Meeting, Nov 14, 2023

New minor risk - Share price stability

With EPS Growth And More, Consumer Portfolio Services (NASDAQ:CPSS) Makes An Interesting Case

Investor sentiment improves as stock rises 16%

CEO & Chairman exercised options and sold US$723k worth of stock

Secretary & Independent Director exercised options and sold US$150k worth of stock

Do Consumer Portfolio Services' (NASDAQ:CPSS) Earnings Warrant Your Attention?

Investor sentiment deteriorates as stock falls 17%

Investor sentiment improves as stock rises 18%

CFO & Executive VP of Accounting exercised options to buy US$382k worth of stock.

Independent Director recently bought US$70k worth of stock

Consumer Portfolio Services, Inc. Announces New FinTech-Driven Automotive Financing Platform Enhancements

Here's Why Consumer Portfolio Services (NASDAQ:CPSS) Has Caught The Eye Of Investors

Consumer Portfolio Services, Inc. Announces Executive Changes

Non-Executive Adviser notifies of intention to sell stock

Chairman exercised options to buy US$639k worth of stock.

Now 21% undervalued after recent price drop

Investor sentiment deteriorated over the past week

Consumer Portfolio Services, Inc. Announces Senior Vice President - Finance Changes

Executive VP & CFO recently sold US$283k worth of stock

Investor sentiment deteriorated over the past week

Consumer Portfolio Services, Inc. Appoints Stephen H. Deckoff to Board of Directors

Executive VP & CFO notifies of intention to sell stock

Insider recently sold US$99k worth of stock

Executive VP & CFO recently sold US$360k worth of stock

Consumer Portfolio Services, Inc., Annual General Meeting, Aug 25, 2022

Consumer Portfolio Services GAAP EPS of $0.91, revenue of $82.01M

Investor sentiment improved over the past week

Consumer Portfolio Services doubles credit facility to $200M

Executive VP & CFO recently sold US$260k worth of stock

Investor sentiment deteriorated over the past week

Executive VP & CFO recently sold US$333k worth of stock

Senior Vice President of Sales recently sold US$564k worth of stock

Consumer Portfolio Services, Inc. to Report Q1, 2022 Results on Apr 18, 2022

Chairman exercised options to buy US$2.2m worth of stock.

Senior Vice President of Systems exercised options and sold US$222k worth of stock

Executive VP & CFO recently sold US$573k worth of stock

Investor sentiment improved over the past week

Executive VP & CFO exercised options to buy US$602k worth of stock.

Investor sentiment improved over the past week

Investor sentiment improved over the past week

Chairman exercised options to buy US$4.9m worth of stock.

Senior VP recently sold US$56k worth of stock

Senior VP exercised options to buy US$339k worth of stock.

Independent Director exercised options to buy US$613k worth of stock.

Consensus EPS estimates increase to US$0.95

Price target increased to US$5.00

Investor sentiment improved over the past week

Consumer Portfolio Services, Inc.(NasdaqGM:CPSS) dropped from Russell Microcap Growth Index

Chairman exercised options to buy US$494k worth of stock.

Senior Vice President of Sales exercised options to buy US$228k worth of stock.

Executive VP & CFO exercised options to buy US$212k worth of stock.

Consumer Portfolio Services, Inc. Reports Annualized Net Charge-Offs for the First Quarter of 2021

Consumer Portfolio Services EPS misses by $0.02, misses on revenue

Independent Director recently sold US$73k worth of stock

Earnings beat expectations, revenue disappoints

New 90-day low: US$3.82

Earnings beat expectations, revenue disappoints