SequelSEC

STANDARD PREMIUM FINANCE HOLDINGS, INC. SPFX

Miscellaneous Business Credit Institution · CIK 0001807893 · Fiscal year ends 1231 · Bank

AnnualQuarterlyTTM
Revenue
$12.47M
Fiscal year ended 2025-12-31
Net income
$1.21M
Fiscal year ended 2025-12-31
Total assets
$74.82M
Fiscal year ended 2025-12-31

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported revenue of $12.47M and net income of $1.21M for the fiscal year ended 2025-12-31. This page shows 6 annual periods of income statement, balance sheet and cash flow figures normalized from STANDARD PREMIUM FINANCE HOLDINGS, INC.’s SEC filings, each linked to the filing it came from. It is classified by the SEC under Miscellaneous Business Credit Institution.

Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.

Income

STANDARD PREMIUM FINANCE HOLDINGS, INC. income by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-31
Revenue$12.47M$12.14M$9.72M$8.16M$7.66M$6.43M
Cost of revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Gross profitUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating incomeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Net income$1.21M$979.99K$532.40K$806.13K$876.32K$687.40K
Research & developmentUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Weighted-average diluted sharesshares 4.19Mshares 4.05Mshares 3.29Mshares 3.41Mshares 2.91MUnavailable
Pretax income$1.59M$1.32M$712.89K$1.01M$1.19M$977.69K
Income tax expense$378.30K$340.15K$180.49K$206.19K$310.01K$290.29K
Diluted EPS$0.29$0.24$0.13$0.21$0.28Unavailable
Selling, general & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
General & administrativeUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Selling & marketingUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Balance

STANDARD PREMIUM FINANCE HOLDINGS, INC. balance by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-31
Cash & equivalentsUnavailableUnavailableUnavailableUnavailableUnavailable$477.29K
Total assets$74.82M$65.85M$62.38M$51.49M$48.52M$40.81M
Current assets$73.20M$64.27M$61.09M$50.24M$47.23M$39.86M
Total liabilities$66.36M$58.50M$55.98M$45.54M$43.98M$37.13M
Current liabilities$58.07M$49.71M$49.43M$37.54M$37.61M$31.40M
Total equity incl. NCI$8.46M$7.35M$6.40M$5.95M$4.53M$3.68M
Temporary (mezzanine) equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
InventoryUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts receivable$1.15M$1.06MUnavailableUnavailableUnavailableUnavailable
GoodwillUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Long-term debtUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Accounts payableUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable

Cash flow

STANDARD PREMIUM FINANCE HOLDINGS, INC. cash flow by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-31
Operating cash flow$2.88M$1.84M$2.68M$1.62M$2.07M$1.30M
Capital expenditures$33.42K$71.73K$62.72K$48.75K$36.93K$21.90K
Investing cash flow-$10.12M-$4.48M-$12.31M-$3.62M-$8.60M-$62.29K
Financing cash flow$7.25M$2.59M$9.25M$2.40M$6.07M-$1.10M
Net change in cashUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Stock-based compensation$12.98K$14.10KUnavailableUnavailableUnavailableUnavailable
Common dividends paidUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Common share repurchasesUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Depreciation & amortization$46.50K$40.48K$25.29K$22.28K$34.68K$25.21K

Derived

STANDARD PREMIUM FINANCE HOLDINGS, INC. derived by fiscal year, in US dollars, normalized from SEC filings.
Metric2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-31
Free cash flow$2.85M$1.77M$2.62M$1.58M$2.03M$1.27M
Gross marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Operating marginUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
FCF margin22.9%14.6%27.0%19.3%26.5%19.8%
SBC / revenue0.1%0.1%UnavailableUnavailableUnavailableUnavailable
Current ratio1.26x1.29x1.24x1.34x1.26x1.27x
Revenue YoY growth2.7%24.9%19.2%6.4%19.1%Unavailable
Net margin9.7%8.1%5.5%9.9%11.4%10.7%
R&D / revenueUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
CapEx / revenue0.3%0.6%0.6%0.6%0.5%0.3%
Long-term debt / equityUnavailableUnavailableUnavailableUnavailableUnavailableUnavailable
Effective tax rate23.8%25.8%25.3%20.4%26.1%29.7%

Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open SPFX in the interactive workspace to inspect any figure back to its filing.

Source filings

10-Q · Filed 2026-08-10View SEC filing
10-Q · Filed 2026-05-11View SEC filing
10-K · Filed 2026-03-20View SEC filing
10-Q · Filed 2025-11-12View SEC filing
10-Q · Filed 2025-08-12View SEC filing
10-Q · Filed 2025-05-05View SEC filing

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Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.