CEO Charles Bradley was paid $5,439,647 in fiscal year 2025, ↑ up 30.6% from fiscal year 2024 (SEC filing 0001683168-26-007507 ↗): executive and director compensation, incentive-plan design, equity activity, and governance — every figure in this brief is traceable to its exact location in the company’s SEC filing — the document, the section, the page, and the table, linked directly.
$5,439,647 ↑ Charles Bradley total, FY2025 | — CEO pay percentile vs peers | — CEO-to-median pay ratio | 61.91% Say-on-pay support, latest vote |
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CPSS's next annual pay disclosure, estimated September 2, 2027.est. Filing ↗
| Named executive officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension / NQDC | All other | Total |
|---|---|---|---|---|---|---|---|---|
| Charles Bradley | $995,000 | $0 | $0 | $1,139,790 | $3,283,500 | $0 | $21,357 | $5,439,647 |
| Chief Executive Officer | ||||||||
| Michael Lavin | 470,000 | 0 | 0 | 455,916 | 448,693 | 0 | 11,980 | 1,386,590 |
| President & Chief Operating Officer | ||||||||
| Danny Bharwani | 430,762 | 0 | 0 | 341,937 | 479,808 | 0 | 2,342 | 1,254,849 |
| Executive Vice President & | ||||||||
A dash means the company reported no figure in that column; 0 means it reported zero. Figures are as printed in the filing, without adjustment.
| Named executive officer | FY2025 total | FY2024 total | FY2023 total | Δ FY2024→2025 |
|---|---|---|---|---|
| Charles Bradley | $5,439,647 | $4,165,611 | $4,000,342 | ↑ +1,274,036 |
| Michael Lavin | 1,386,590 | 960,838 | 1,034,405 | ↑ +425,752 |
| Danny Bharwani | 1,254,849 | 875,800 | 756,997 | ↑ +379,049 |
Prior-year totals as disclosed in the corresponding proxy; deltas are computed values with the derivation shown in the register.
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Each company listed discloses CPSS in its own benchmarking peer group, as disclosed in each company's most recent proxy statement within the last two proxy seasons. Two companies are therefore absent by design: one that named CPSS in an earlier year and no longer does, and one whose own most recent disclosure is older than the last two seasons.
One page per officer: the same table above, read for one person at a time — his own figure and every fiscal year the register holds.
| Executive | Role | FY2025 total |
|---|---|---|
| Charles Bradley | CEO | $5,439,647 |
| Christopher Terry | EVP | $702,930 |
| Danny Bharwani | CFO | $1,254,849 |
| Michael Lavin | President | $1,386,590 |
| Teri Robinson | EVP | $817,059 |
One page per director: the seat, the committees and the fee table, read for one person at a time.
| Director | Role | FY2025 total |
|---|---|---|
| Brian J. Rayhill | Independent Director | $107,200 |
| Daniel S. Wood | Independent Director | $107,200 |
| Gregory S. Washer | Independent Director | $98,800 |
| James E. Walker III | Independent Director | $75,000 |
| Louis M. Grasso | Independent Director | $84,400 |
| Stephen H. Deckoff | Independent Director | $73,500 |
| William B. Roberts | Independent Director | $81,900 |
| William W. Grounds | Independent Director | $92,300 |
No insider equity transactions reported since the proxy statement.
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| Charles Bradley | Option | 187,500 | 10.32 | — |
| Charles Bradley | Option | 75,000 | 10.25 | — |
| Charles Bradley | Option | 300,000 | 8.19 | — |
| Michael Lavin | Option | 22,500 | 10.25 | — |
| Michael Lavin | Option | 120,000 | 8.19 | — |
| Danny Bharwani | Option | 15,000 | 10.25 | — |
| Danny Bharwani | Option | 90,000 | 8.19 | — |
The Company's compensation program is designed to align executive interests with shareholder value by linking a significant portion of total compensation to the achievement of specific operational and financial objectives, including budget performance, securitization execution, and stock price targets.
| CEO STI target (% of salary) | — |
|---|---|
| CEO LTI target (% of salary) | — |
| Independent consultant | — |
| Clawback policy | true |
| Anti-hedging | true |
| Anti-pledging | false |
| Meeting year | Meeting date | For | Against | Abstain | Support | Outcome |
|---|---|---|---|---|---|---|
| 2025 | 2025-11-19 | 12,309,473 | 7,573,654 | 60,034 | 61.91% | Passed |
| 2024 | 2024-11-12 | 15,390,289 | 1,255,221 | 2,200 | 92.46% | Passed |
| 2023 | 2023-11-14 | 8,238,836 | 3,405,872 | 7,550 | 70.75% | Passed |
| 2022 | 2022-08-25 | 14,829,097 | 3,428,711 | 37,197 | 81.22% | Passed |
| 2021 | 2021-12-01 | 7,407,243 | 4,430,538 | 5,203 | 62.57% | Passed |
| 2020 | 2020-10-22 | 8,812,178 | 4,602,177 | 3,250 | 65.69% | Passed |
Rows are labeled by annual-meeting year, with the meeting date beside each; the vote held in a given year acts on the prior fiscal year's compensation.
| Meeting year | Meeting date | Approval — company's computation |
|---|---|---|
| 2025 | 2025-11-19 | 61.91%a |
| 2024 | 2024-11-12 | 92.46%b |
| 2023 | 2023-11-14 | 70.75%c |
a. Voting standard not stated in the filing.
b. Voting standard not stated in the filing.
c. Voting standard not stated in the filing.
Approval percentages are the company's own reported computations under its own stated standard, not recomputed by Velarion. Where a company does not state a standard, none is assumed.
| Director | Cash fees | Stock awards | Option awards | Non-equity incentive | All other | Total |
|---|---|---|---|---|---|---|
| Daniel S. WoodIndependent · Audit · Compensation (Chair) · Nominating | $107,200 | — | — | — | — | $107,200 |
| Brian J. RayhillIndependent · Audit · Nominating | 107,200 | — | — | — | — | 107,200 |
| Gregory S. WasherIndependent · Audit · Nominating (Chair) · Compensation | 98,800 | — | — | — | — | 98,800 |
| William W. GroundsIndependent · Compensation · Nominating · Audit | 92,300 | — | — | — | — | 92,300 |
| Louis M. GrassoIndependent · Audit · Compensation · Nominating | 84,400 | — | — | — | — | 84,400 |
| William B. RobertsIndependent · Compensation · Audit · Nominating · Not standing for re-election · Departed during FY | 81,900 | — | — | — | — | 81,900 |
| James E. Walker IIIIndependent | 75,000 | — | — | — | — | 75,000 |
| Stephen H. DeckoffIndependent · Audit · Compensation · Nominating | 73,500 | — | — | — | — | 73,500 |
| Charles E. Bradley JrEmployee director · Board Chair | 0 | — | — | — | — | 0 |
| Scott W. CarnahanIndependent · Partial-year service · Newly elected | — | — | — | — | — | — |
| Annual cash retainer | $72,000 |
|---|---|
| Annual equity retainer | — |
| Per board meeting fee | $1,000 |
| Committee chair fees (audit / comp / nom-gov) | 1,200 / 1,200 / 1,200 |
| Stock ownership guideline | — |
| Component | FY2025 |
|---|---|
| Cash retainers and fees | $720,300 |
| Equity awards (grant-date value) | $0 |
| All other compensation | $0 |
| Total cost of the board | $720,300 |
Computed as the sum of the director compensation table rows above; inputs and formula shown in the register.
Most recent fiscal-year chief executive compensation at each disclosed peer, taken from that company's own proxy statement.
| Rank | Company | FY | Chief executive | Salary | Stock awards | Option awards | Non-equity incentive | Total |
|---|---|---|---|---|---|---|---|---|
| 1 | Consumer Portfolio Services | 2025 | Charles Bradley | $995,000 | $0 | $1,139,790 | $3,283,500 | $5,439,647 |
Each peer's compensation is from its most recently filed proxy; fiscal years differ by company. Each peer's figures come from its own filings; the subject company is highlighted. Peers whose chief executive compensation is outside our coverage universe are stated as such, never left blank.
Answers are drawn only from the figures disclosed in this brief and cited to their location in the source filing. Where a figure required for an answer is not disclosed, that is stated rather than estimated.
Each figure is listed with the filing it comes from, where it appears in that filing, and the value as printed. Any figure can be independently confirmed against the source.
| # | Supports | Document | Filed | Accession | Location in document |
|---|---|---|---|---|---|
| 1 | Section 01, Charles Bradley | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Executive Compensation”. As printed: 5,439,647. View filing ↗ |
| 2 | Section 01, Michael Lavin | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Executive Compensation”. As printed: 1,386,590. View filing ↗ |
| 3 | Section 01, Danny Bharwani | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Executive Compensation”. As printed: 1,254,849. View filing ↗ |
| 4 | Section 08, Daniel S. Wood | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 107,200. View filing ↗ |
| 5 | Section 08, Brian J. Rayhill | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 107,200. View filing ↗ |
| 6 | Section 08, Gregory S. Washer | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 98,800. View filing ↗ |
| 7 | Section 08, William W. Grounds | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 92,300. View filing ↗ |
| 8 | Section 08, Louis M. Grasso | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 84,400. View filing ↗ |
| 9 | Section 08, William B. Roberts | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 81,900. View filing ↗ |
| 10 | Section 08, James E. Walker III | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 75,000. View filing ↗ |
| 11 | Section 08, Stephen H. Deckoff | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 73,500. View filing ↗ |
| 12 | Section 08, Charles E. Bradley Jr | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: 0. View filing ↗ |
| 13 | Section 08, Scott W. Carnahan | DEF 14A | 2026-09-30 | 0001683168-26-007507 | Section “Director Compensation”. As printed: —. View filing ↗ |
| 14 | Section 06, 2025 vote | Form 8-K | 2025-11-25 | 0001683168-25-008677 | Item 5.07 · say-on-pay result. As reported: 61.91% (votes for as printed: 12,309,473). View filing ↗ |
| 15 | Section 06, 2024 vote | Form 8-K | 2024-11-18 | 0001683168-24-008229 | Item 5.07 · say-on-pay result. As reported: 92.46% (votes for as printed: 15,390,289). View filing ↗ |
| 16 | Section 06, 2023 vote | Form 8-K | 2023-11-20 | 0001683168-23-008345 | Item 5.07 · say-on-pay result. As reported: 70.75% (votes for as printed: 8,238,836). View filing ↗ |
| 17 | Section 01 trend, Δ column (computed) | Computed | — | — | Δ = current-FY total − prior-FY total per named officer. |
| 18 | Section 09b board cost (computed) | Computed | — | — | Cash 720,300 + equity 0 + all other 0 = 720,300, summed across the director compensation table rows. |
| 19 | Consumer Portfolio Services (subject), Section 10b CEO total | DEF 14A | 2026-09-30 | 0001683168-26-007507 | CEO total compensation as printed in Consumer Portfolio Services's own proxy. As printed: 5,439,647. View filing ↗ |