Consumer Portfolio Services Executive Compensation (FY25)
CPSS · Executive and director compensation, fiscal 2022 to 2025
Chief executive, fiscal 2025 ◇ Charles Bradley | Latest say-on-pay support = November 19, 2025 |
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Data as of November 4, 2026Latest filing (DEF 14A): September 30, 2026
14 filings cited on this page
Method: intel.velarion.ai/methodology
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185 figures on this page: 175 cited to the filing that reported them, 10 calculated from figures it prints. See the citations
More on Consumer Portfolio Services
Five data products on this company. Each one is requested through the developer setup page.
- Peer Disclosure Audit$5The comparison companies this board named, each one tied to the filing that lists it.How to get Peer Disclosure Audit
- Governance Provisions PullfreeThe governance provisions as the proxy states them: board leadership, committee membership, and shareholder rights.How to get Governance Provisions Pull
- Say-on-Pay Risk Signal$9A risk band for the next say-on-pay vote, with the support history and the peer comparison behind it.How to get Say-on-Pay Risk Signal
- NEO Comp Report$24Every named executive officer’s pay by element and year, with the citation behind each figure.How to get NEO Comp Report
- Board Comp Report$24What each non-employee director was paid, the standing fee schedule, and the equity each one holds at year end.How to get Board Comp Report
What changed from fiscal 2024 to fiscal 2025
The figures that moved, and by how much. Analysis of these figures is part of the Velarion platform.
Chief executive total compensation — Charles Bradley: $4,165,611 → $5,439,647 (30.6% higher)
Say-on-pay support: 92.5% → 61.9% (30.6 points lower)
Frequently asked questions
Answers drawn from the data on this page.
Who is Consumer Portfolio Services' chief executive and what were they paid?
Total compensation for Charles Bradley, Chief Executive Officer, came to $5,439,647 in fiscal 2025. Compared with the $4,165,611 reported for fiscal 2024, Bradley's total was 30.6% higher.
What was Consumer Portfolio Services' say-on-pay result?
The say-on-pay proposal drew 61.9% of votes cast for or against in favor at the meeting held November 19, 2025 for fiscal 2024.
Executive compensation
Every element reported for each named executive officer, by fiscal year.
Fiscal 2022
| Officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension and deferred earnings | All other compensation | Total |
|---|---|---|---|---|---|---|---|---|
Charles Bradley Chief Executive Officer | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Michael Lavin President & Chief Operating Officer | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Teri Robinson Executive Vice President - Sales & Originations | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Laurie Straten Executive Vice President - Servicing | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Danny Bharwani Executive Vice President & Chief Financial Officer | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Jeffrey Fritz Former Executive Vice President & Chief Financial Officer Departed during or after this year | ◇ | — | — | — | — | — | ◇ | ◇ |
Fiscal 2023
| Officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension and deferred earnings | All other compensation | Total |
|---|---|---|---|---|---|---|---|---|
Charles Bradley Chief Executive Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Michael Lavin President & Chief Operating Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Teri Robinson Executive Vice President - Sales & Originations | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Danny Bharwani Executive Vice President & Chief Financial Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Laurie Straten Executive Vice President - Servicing | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Fiscal 2024
| Officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension and deferred earnings | All other compensation | Total |
|---|---|---|---|---|---|---|---|---|
Charles Bradley Chief Executive Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Michael Lavin President & Chief Operating Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Danny Bharwani Executive Vice President & Chief Financial Officer | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Teri Robinson Executive Vice President - Sales & Originations | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Christopher Terry Executive Vice President - Risk, Systems, & IT | ◇ | — | — | — | ◇ | — | ◇ | ◇ |
Fiscal 2025
| Officer | Salary | Bonus | Stock awards | Option awards | Non-equity incentive | Pension and deferred earnings | All other compensation | Total |
|---|---|---|---|---|---|---|---|---|
Charles Bradley Chief Executive Officer | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Michael Lavin President & Chief Operating Officer | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
Danny Bharwani Executive Vice President & | ◇ | — | — | ◇ | ◇ | — | ◇ | ◇ |
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero. A negative change in pension value is shown but, as the company reports it, not included in the total.
Equity awards granted
Individual awards as disclosed: type, date, unit counts at each level, and grant date value.
Fiscal 2022
| Officer | Award | Grant date | Threshold units | Target units | Units granted | Maximum units | Exercise price | Grant date fair value |
|---|---|---|---|---|---|---|---|---|
| Charles Bradley | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
| Charles Bradley | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
| Danny Bharwani | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
| Laurie Straten | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
| Michael Lavin | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
| Teri Robinson | OPTION | ◇ | — | — | ◇ | — | ◇ | ◇ |
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero. Threshold, target and maximum apply only to performance awards and are never shown for time-based or option awards.
Outstanding awards
Awards still held at fiscal year end.
As disclosed at fiscal 2025 year end
| Officer | Award | Unvested units | Market value of unvested units | Exercise price | Expires |
|---|---|---|---|---|---|
| Charles Bradley | Option | ◇ | — | ◇ | 9/9/2032 |
| Option | ◇ | — | ◇ | 1/24/2029 | |
| Option | ◇ | — | ◇ | 6/24/2029 | |
| Michael Lavin | Option | ◇ | — | ◇ | 9/9/2032 |
| Option | ◇ | — | ◇ | 6/24/2029 | |
| Danny Bharwani | Option | ◇ | — | ◇ | 9/9/2032 |
| Option | ◇ | — | ◇ | 6/24/2029 |
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero.
Director compensation
What each non-employee director was paid.
Fiscal 2025
| Director | Fees earned in cash | Stock awards | Option awards | Non-equity incentive | Pension and deferred earnings | All other compensation | Total |
|---|---|---|---|---|---|---|---|
Brian J. Rayhill | ◇ | — | — | — | — | — | ◇ |
Daniel S. Wood | ◇ | — | — | — | — | — | ◇ |
Gregory S. Washer | ◇ | — | — | — | — | — | ◇ |
William W. Grounds | ◇ | — | — | — | — | — | ◇ |
Louis M. Grasso | ◇ | — | — | — | — | — | ◇ |
William B. Roberts | ◇ | — | — | — | — | — | ◇ |
James E. Walker III | ◇ | — | — | — | — | — | ◇ |
Stephen H. Deckoff | ◇ | — | — | — | — | — | ◇ |
Scott W. Carnahan and Charles E. Bradley Jr served on the board in fiscal 2025 and received no compensation for board service. Executive directors are typically paid through their executive roles, shown above.
Earlier years are included in the PDF.
A dash means the company reported no figure in that column. $0 is shown only where the filing prints a zero.
Director fee schedule
The standing retainers and premiums the board pays, as published.
| Board cash retainer | ◇ |
| Audit committee chair | ◇ |
| Audit committee member | ◇ |
| Compensation committee chair | ◇ |
| Compensation committee member | ◇ |
| Nominating and governance chair | ◇ |
| Nominating and governance member | ◇ |
| Board meeting fee | ◇ |
Disclosed peer group
The companies this board named as its compensation comparison group. The list is disclosure; the comparison is analysis.
Say-on-pay history
Shareholder support for the compensation program, by year.
| Year | Meeting | Support | Votes for | Votes against | Abstentions |
|---|---|---|---|---|---|
| 2024 | November 19, 2025 | = | ◇ | ◇ | ◇ |
| 2023 | November 12, 2024 | = | ◇ | ◇ | ◇ |
| 2022 | November 14, 2023 | = | ◇ | ◇ | ◇ |
| 2021 | August 25, 2022 | = | ◇ | ◇ | ◇ |
| 2020 | December 1, 2021 | = | ◇ | ◇ | ◇ |
| 2019 | October 22, 2020 | = | ◇ | ◇ | ◇ |
| 2018 | October 22, 2019 | = | ◇ | ◇ | ◇ |
| 2017 | July 25, 2018 | = | ◇ | ◇ | ◇ |
| 2016 | April 26, 2017 | = | ◇ | ◇ | ◇ |
| 2015 | April 27, 2016 | = | ◇ | ◇ | ◇ |
Ask our research desk — $99, 24h, every figure cited to its filing.
Sample answer — “What is the CEO’s total compensation?”
- Charles Bradley (Chief Executive Officer), FY2025 total compensation $5,439,647 (base salary $995,000) [exec_comp, SEC accession 0001683168-26-007507, filed 2026-09-30]What this page does not include
Everything above is a fact Consumer Portfolio Services disclosed, and it is free. Everything below is our analysis of those facts, and it is not.
Written compensation analysis
A read of the pay program as designed and as paid: incentive structure, goal rigor, the alignment between the committee's stated philosophy and what the numbers show.
Executive Compensation Report — $500Board and governance analysis
Committee composition, independence, director pay positioning, and the governance provisions read together rather than listed.
Board Governance Report — $500Realizable pay
What the awards above are actually worth today against what they were valued at on grant, and what the gap says about the pay-for-performance link.
Velarion IntelligenceSay-on-pay responsiveness
Consumer Portfolio Services recorded a low support level. The responsiveness analysis covers what the company said it would do, what it did, and how that compares with the companies that recovered their vote.
Responsiveness analysisAdviser switching and vote outcomes
Two datasets covering compensation-adviser changes and what followed a contested vote. Both are part of the Velarion platform.
Inquire about accessMultiple companies at once
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Velarion IntelligenceCitations
Every figure on this page is cited to the document that reported it. Select any figure to see its citation.
185 figures on this page: 175 cited to the filing that reported them, 10 calculated from figures it prints.
175 cited to the filing
10 calculated from the filing
Documents cited
- 0001683168-26-007507
- 0001683168-25-008677Item 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-25-007815
- 0001683168-24-008229Item 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-24-007105
- 0001683168-23-008345Item 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-23-007323
- 0001683168-22-006124Item 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-21-006089ITEM 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-20-003579ITEM 5.07 Submission of Matters to a Vote of Security Holders.
- 0001683168-19-003373ITEM 5.07 Submission of Matters to a Vote of Security Holders
- 0001683168-18-002055ITEM 5.07 SUBMISSION OF MATTERS TO A VOTE OF SECURITY HOLDERS
- 0001683168-17-001020ITEM 5.07 Submission of Matters to a Vote of Security Holders.
- 0001019687-16-006079ITEM 5.07 Submission of Matters to a Vote of Security Holders.
Cite this data
This page is free to cite. Attribution we ask for:
Velarion, “Consumer Portfolio Services executive compensation, FY2022–FY2025.” https://intel.velarion.ai/comp/CPSS (accessed 2026).
Short form: data: Velarion
The paid brief for Consumer Portfolio Services
Positioning against its disclosed peers, the governance read, incentive design, and the CD&A alignment analysis; the full peer table; a committee-ready PDF.
$500 for the Executive Compensation Report. Both reports for $900.
14 filings cited on this page
Method: intel.velarion.ai/methodology
A report that fails to generate is refunded in full
Published by Velarion Company Intelligence
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Cite this data
APA
Velarion Company Intelligence. (2026). Velarion database: executive and board compensation data (Version 2026Q3) [Data set]. Zenodo. https://doi.org/10.5281/zenodo.22283854
BibTeX
@misc{velarionData2026,
author = {{Velarion Company Intelligence}},
title = {Velarion database: executive and board compensation data},
year = {2026},
version = {2026Q3},
doi = {10.5281/zenodo.22283854},
publisher = {Zenodo},
url = {https://doi.org/10.5281/zenodo.22283854}
}