Companies Consumer Portfolio Services
Consumer Portfolio Services (CPSS): executive pay, fiscal 2025
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CEO pay, last three years
- $4,000,342FY2023
- $4,165,611FY2024
- $5,439,647FY2025
CEO total pay was $5,439,647 in fiscal 2025, up from $4,165,611 in fiscal 2024.
FY2025: salary $995,000 · bonus $0 · stock awards $0 · option awards $1,139,790
Executives and directors
Frequently asked questions
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.
Full detail
Every table from the filing. Open any section.
Summary compensation table
| 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.
Three-year trend — total compensation per named executive
| 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.
Incentive-plan design — the Compensation Discussion & Analysis
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 |
Equity grants and outstanding awards
No plan-based awards are on file for this fiscal year.
Outstanding equity awards at fiscal year-end 2025
| Executive | Award | Shares unvested | Exercise price | Market value unvested |
|---|---|---|---|---|
| Danny Bharwani | Option | 15,000 | 10.25 | — |
| Michael Lavin | Option | 22,500 | 10.25 | — |
| Charles Bradley | Option | 75,000 | 10.25 | — |
| Danny Bharwani | Option | 90,000 | 8.19 | — |
| Michael Lavin | Option | 120,000 | 8.19 | — |
| Charles Bradley | Option | 187,500 | 10.32 | — |
| Charles Bradley | Option | 300,000 | 8.19 | — |
Director compensation
| 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 | — | — | — | — | — | — |
Board fee structure and ownership guideline
| 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 | — |
Total cost of the board
| 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.
Peer group, and who names Consumer Portfolio Services as a peer
Companies that benchmark against CPSS
6 companies name CPSS as a compensation peer
The list of companies that name CPSS as a peer is temporarily unavailable — recheck shortly.
Chief executive pay against the peer group
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.
Say-on-pay history and pay ratio
| 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.
Say-on-pay — history, company’s computation
| 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.
Insider trades since the proxy
No insider equity transactions reported since the proxy statement.
Sources (19 citations)
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.
- Section 01, Charles Bradley. DEF 14A, filed 2026-09-30. Section “Executive Compensation” · page 17. As printed: 5,439,647. View filing ↗
- Section 01, Michael Lavin. DEF 14A, filed 2026-09-30. Section “Executive Compensation”. As printed: 1,386,590. View filing ↗
- Section 01, Danny Bharwani. DEF 14A, filed 2026-09-30. Section “Executive Compensation”. As printed: 1,254,849. View filing ↗
- Section 08, Daniel S. Wood. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 107,200. View filing ↗
- Section 08, Brian J. Rayhill. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 107,200. View filing ↗
- Section 08, Gregory S. Washer. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 98,800. View filing ↗
- Section 08, William W. Grounds. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 92,300. View filing ↗
- Section 08, Louis M. Grasso. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 84,400. View filing ↗
- Section 08, William B. Roberts. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 81,900. View filing ↗
- Section 08, James E. Walker III. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 75,000. View filing ↗
- Section 08, Stephen H. Deckoff. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 73,500. View filing ↗
- Section 08, Charles E. Bradley Jr. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: 0. View filing ↗
- Section 08, Scott W. Carnahan. DEF 14A, filed 2026-09-30. Section “Director Compensation”. As printed: —. View filing ↗
- Section 06, 2025 vote. Form 8-K, filed 2025-11-25. Item 5.07 · say-on-pay result. As reported: 61.91% (votes for as printed: 12,309,473). View filing ↗
- Section 06, 2024 vote. Form 8-K, filed 2024-11-18. Item 5.07 · say-on-pay result. As reported: 92.46% (votes for as printed: 15,390,289). View filing ↗
- Section 06, 2023 vote. Form 8-K, filed 2023-11-20. Item 5.07 · say-on-pay result. As reported: 70.75% (votes for as printed: 8,238,836). View filing ↗
- Section 01 trend, Δ column (computed). Computed. Δ = current-FY total − prior-FY total per named officer.
- Section 09b board cost (computed). Computed. Cash 720,300 + equity 0 + all other 0 = 720,300, summed across the director compensation table rows.
- Consumer Portfolio Services (subject), Section 10b CEO total. DEF 14A, filed 2026-09-30. CEO total compensation as printed in Consumer Portfolio Services's own proxy. As printed: 5,439,647. View filing ↗