STANDARD PREMIUM FINANCE HOLDI Financials

SPFX

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows STANDARD PREMIUM FINANCE HOLDI (SPFX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 5 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 52/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

100

STANDARD PREMIUM FINANCE HOLDI's revenue surged 24.9% year-over-year to $12.1M, reflecting rapid business expansion. This strong growth earns a score of 100/100.

Leverage

STANDARD PREMIUM FINANCE HOLDI has elevated debt relative to equity (D/E of 7.96), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Liquidity

STANDARD PREMIUM FINANCE HOLDI's current ratio of 1.29 indicates adequate short-term liquidity, earning a score of 32/100. The company can meet its near-term obligations, though with limited headroom.

Cash Flow

STANDARD PREMIUM FINANCE HOLDI converts 14.6% of revenue into free cash flow ($1.8M). This strong cash generation earns a score of 73/100.

Returns

STANDARD PREMIUM FINANCE HOLDI's ROE of 13.3% shows moderate profitability relative to equity, earning a score of 53/100. This is up from 8.3% the prior year.

Piotroski F-Score Neutral

6/9

STANDARD PREMIUM FINANCE HOLDI passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 3 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.88x

For every $1 of reported earnings, STANDARD PREMIUM FINANCE HOLDI generates $1.88 in operating cash flow ($1.8M OCF vs $980K net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$12.1M

YoY+24.9%

STANDARD PREMIUM FINANCE HOLDI generated $12.1M in revenue in fiscal year 2024. This represents an increase of 24.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$1.8M

YoY-32.5%

STANDARD PREMIUM FINANCE HOLDI generated $1.8M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 32.5% from the prior year.

Net Income

$980K

YoY+84.1%

STANDARD PREMIUM FINANCE HOLDI reported $980K in net income in fiscal year 2024. This represents an increase of 84.1% from the prior year.

EPS (Diluted)

$0.24

YoY+84.6%

STANDARD PREMIUM FINANCE HOLDI earned $0.24 per diluted share (EPS) in fiscal year 2024. This represents an increase of 84.6% from the prior year.

Cash & Debt

$2K

YoY-96.2%

STANDARD PREMIUM FINANCE HOLDI held $2K in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

N/A

Shares Outstanding

YoY+3.3%

STANDARD PREMIUM FINANCE HOLDI had 3M shares outstanding in fiscal year 2024. This represents an increase of 3.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.1%

YoY+2.6pp

STANDARD PREMIUM FINANCE HOLDI's net profit margin was 8.1% in fiscal year 2024, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.

Return on Equity

13.3%

YoY+5.0pp

STANDARD PREMIUM FINANCE HOLDI's ROE was 13.3% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 5.0 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$72K

YoY+14.4%

STANDARD PREMIUM FINANCE HOLDI invested $72K in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 14.4% from the prior year.

SPFX Income Statement

Metric	FY24	FY23	FY22	FY21	FY20
Revenue	$12.1M+24.9%	$9.7M+19.2%	$8.2M+6.4%	$7.7M+19.1%	$6.4M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A
Interest Expense	$4.4M+16.1%	$3.8M+63.1%	$2.3M+34.9%	$1.7M+1.3%	$1.7M
Income Tax	$340K+88.5%	$180K-12.5%	$206K-33.5%	$310K+6.8%	$290K
Net Income	$980K+84.1%	$532K-34.0%	$806K-8.0%	$876K+27.5%	$687K
EPS (Diluted)	$0.24+84.6%	$0.13-38.1%	$0.21-25.0%	$0.28	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$3.2M+3.2%	$3.1M+7.6%	$2.9M-7.2%	$3.1M0.0%	$3.1M+10.2%	$2.8M+3.2%	$2.7M+5.7%	$2.6M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$1.1M+5.1%	$1.0M+9.7%	$939K-11.0%	$1.1M-5.5%	$1.1M+3.0%	$1.1M+0.9%	$1.1M+4.5%	$1.0M
Income Tax	$98K+11.8%	$87K-14.5%	$102K+27.2%	$80K-25.4%	$108K+135.4%	$46K-77.6%	$205K+444.9%	$38K
Net Income	$276K+6.9%	$258K-23.1%	$336K+44.1%	$233K-28.8%	$327K+175.6%	$119K-30.3%	$171K+45.9%	$117K
EPS (Diluted)	$0.07+16.7%	$0.06-25.0%	$0.08+60.0%	$0.05-44.4%	$0.09+200.0%	$0.03-25.0%	$0.04+33.3%	$0.03

SPFX Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20
Total Assets	$65.8M+5.6%	$62.4M+21.1%	$51.5M+6.1%	$48.5M+18.9%	$40.8M
Current Assets	$64.3M+5.2%	$61.1M+21.6%	$50.2M+6.4%	$47.2M+18.5%	$39.9M
Cash & Equivalents	$2K-96.2%	$45K-89.3%	$421K+1907.0%	$21K-95.6%	$477K
Inventory	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$58.5M+4.5%	$56.0M+22.9%	$45.5M+3.5%	$44.0M+18.5%	$37.1M
Current Liabilities	$49.7M+0.6%	$49.4M+31.7%	$37.5M-0.2%	$37.6M+19.8%	$31.4M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A
Total Equity	$7.4M+14.9%	$6.4M+7.5%	$6.0M+31.3%	$4.5M+23.1%	$3.7M
Retained Earnings	$3.8M+29.0%	$3.0M+16.2%	$2.6M+38.8%	$1.8M+77.5%	$1.0M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$75.6M+5.0%	$72.0M+6.3%	$67.7M+2.8%	$65.8M-8.5%	$72.0M+6.6%	$67.5M+8.2%	$62.4M+1.8%	$61.3M
Current Assets	$74.0M+5.0%	$70.4M+6.5%	$66.1M+2.9%	$64.3M-9.5%	$71.1M+7.7%	$66.0M+8.0%	$61.1M+1.8%	$60.0M
Cash & Equivalents	$1K-91.6%	$14K+439.6%	$3K+52.7%	$2K+64.4%	$1K-8.7%	$1K-97.5%	$45K	$0
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$67.4M+5.2%	$64.1M+6.7%	$60.0M+2.6%	$58.5M-10.2%	$65.1M+6.8%	$61.0M+9.0%	$56.0M+1.7%	$55.0M
Current Liabilities	$59.8M+7.3%	$55.7M+10.0%	$50.6M+1.9%	$49.7M-11.8%	$56.4M+3.9%	$54.3M+9.8%	$49.4M+1.0%	$48.9M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$8.1M+3.2%	$7.9M+3.0%	$7.7M+4.2%	$7.4M+7.7%	$6.8M+5.2%	$6.5M+1.5%	$6.4M+2.4%	$6.2M
Retained Earnings	$4.6M+5.6%	$4.4M+5.5%	$4.2M+8.0%	$3.8M+13.1%	$3.4M+10.7%	$3.1M+3.0%	$3.0M+5.0%	$2.8M

SPFX Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$1.8M-31.4%	$2.7M+65.2%	$1.6M-21.4%	$2.1M+59.3%	$1.3M
Capital Expenditures	$72K+14.4%	$63K+28.7%	$49K+32.0%	$37K+68.7%	$22K
Free Cash Flow	$1.8M-32.5%	$2.6M+66.3%	$1.6M-22.3%	$2.0M+59.2%	$1.3M
Investing Cash Flow	-$4.5M+63.6%	-$12.3M-239.7%	-$3.6M+57.9%	-$8.6M-13700.5%	-$62K
Financing Cash Flow	$2.6M-72.0%	$9.2M+285.5%	$2.4M-60.5%	$6.1M+650.9%	-$1.1M
Dividends Paid	$116K0.0%	$116K+30.3%	$89K+28.7%	$69K+24.2%	$56K
Share Buybacks	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$301K-80.0%	$1.5M-34.5%	$2.3M+429.4%	-$697K-120.1%	$3.5M+130.9%	$1.5M+660.5%	$197K-70.5%	$670K
Capital Expenditures	$0	$0-100.0%	$887-92.7%	$12K+1913.5%	$600-97.8%	$27K-50.2%	$54K+2923.0%	$2K
Free Cash Flow	$301K-80.0%	$1.5M-34.5%	$2.3M+423.7%	-$709K-120.5%	$3.5M+135.0%	$1.5M+925.3%	$144K-78.5%	$668K
Investing Cash Flow	-$3.8M+19.5%	-$4.8M-127.1%	-$2.1M-175.3%	$2.8M+151.9%	-$5.4M-12.9%	-$4.7M-253.0%	-$1.3M+68.6%	-$4.3M
Financing Cash Flow	$3.5M+7.8%	$3.3M+1723.1%	-$201K+90.3%	-$2.1M-210.0%	$1.9M-40.9%	$3.2M+168.5%	$1.2M-65.6%	$3.5M
Dividends Paid	N/A	N/A	N/A	$58K	$0-100.0%	$29K0.0%	$29K0.0%	$29K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

SPFX Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A
Net Margin	8.1%+2.6pp	5.5%-4.4pp	9.9%-1.6pp	11.4%+0.7pp	10.7%
Return on Equity	13.3%+5.0pp	8.3%-5.2pp	13.5%-5.8pp	19.3%+0.7pp	18.7%
Return on Assets	1.5%+0.6pp	0.9%-0.7pp	1.6%-0.2pp	1.8%+0.1pp	1.7%
Current Ratio	1.29+0.1	1.24-0.1	1.34+0.1	1.26-0.0	1.27
Debt-to-Equity	7.96-0.8	8.75+1.1	7.65-2.0	9.70-0.4	10.08
FCF Margin	14.6%-12.4pp	27.0%+7.6pp	19.3%-7.1pp	26.5%+6.7pp	19.8%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	8.6%+0.3pp	8.3%-3.3pp	11.6%+4.1pp	7.5%-3.0pp	10.5%+6.3pp	4.2%-2.0pp	6.2%+1.7pp	4.5%
Return on Equity	3.4%+0.1pp	3.3%-1.1pp	4.4%+1.2pp	3.2%-1.6pp	4.8%+3.0pp	1.8%-0.8pp	2.7%+0.8pp	1.9%
Return on Assets	0.4%+0.0pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.1pp	0.5%+0.3pp	0.2%-0.1pp	0.3%+0.1pp	0.2%
Current Ratio	1.24-0.0	1.26-0.0	1.31+0.0	1.29+0.0	1.26+0.0	1.22-0.0	1.240.0	1.23
Debt-to-Equity	8.28+0.2	8.12+0.3	7.84-0.1	7.96-1.6	9.54+0.1	9.39+0.6	8.75-0.1	8.81
FCF Margin	9.3%-38.9pp	48.3%-31.0pp	79.3%+102.0pp	-22.7%-133.9pp	111.1%+59.0pp	52.1%+46.9pp	5.3%-20.5pp	25.8%

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Frequently Asked Questions

What is STANDARD PREMIUM FINANCE HOLDI's annual revenue?

STANDARD PREMIUM FINANCE HOLDI (SPFX) reported $12.1M in total revenue for fiscal year 2024. This represents a 24.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is STANDARD PREMIUM FINANCE HOLDI's revenue growing?

STANDARD PREMIUM FINANCE HOLDI (SPFX) revenue grew by 24.9% year-over-year, from $9.7M to $12.1M in fiscal year 2024.

Is STANDARD PREMIUM FINANCE HOLDI profitable?

Yes, STANDARD PREMIUM FINANCE HOLDI (SPFX) reported a net income of $980K in fiscal year 2024, with a net profit margin of 8.1%.

What is STANDARD PREMIUM FINANCE HOLDI's earnings per share (EPS)?

STANDARD PREMIUM FINANCE HOLDI (SPFX) reported diluted earnings per share of $0.24 for fiscal year 2024. This represents a 84.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is STANDARD PREMIUM FINANCE HOLDI's net profit margin?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a net profit margin of 8.1% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

What is STANDARD PREMIUM FINANCE HOLDI's return on equity (ROE)?

STANDARD PREMIUM FINANCE HOLDI (SPFX) has a return on equity of 13.3% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is STANDARD PREMIUM FINANCE HOLDI's free cash flow?

STANDARD PREMIUM FINANCE HOLDI (SPFX) generated $1.8M in free cash flow during fiscal year 2024. This represents a -32.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is STANDARD PREMIUM FINANCE HOLDI's operating cash flow?

STANDARD PREMIUM FINANCE HOLDI (SPFX) generated $1.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are STANDARD PREMIUM FINANCE HOLDI's total assets?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had $65.8M in total assets as of fiscal year 2024, including both current and long-term assets.

What are STANDARD PREMIUM FINANCE HOLDI's capital expenditures?

STANDARD PREMIUM FINANCE HOLDI (SPFX) invested $72K in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does STANDARD PREMIUM FINANCE HOLDI have outstanding?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had 3M shares outstanding as of fiscal year 2024.

What is STANDARD PREMIUM FINANCE HOLDI's current ratio?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a current ratio of 1.29 as of fiscal year 2024, which is considered adequate.

What is STANDARD PREMIUM FINANCE HOLDI's debt-to-equity ratio?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a debt-to-equity ratio of 7.96 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is STANDARD PREMIUM FINANCE HOLDI's return on assets (ROA)?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a return on assets of 1.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is STANDARD PREMIUM FINANCE HOLDI's Piotroski F-Score?

STANDARD PREMIUM FINANCE HOLDI (SPFX) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are STANDARD PREMIUM FINANCE HOLDI's earnings high quality?

STANDARD PREMIUM FINANCE HOLDI (SPFX) has an earnings quality ratio of 1.88x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is STANDARD PREMIUM FINANCE HOLDI?

STANDARD PREMIUM FINANCE HOLDI (SPFX) scores 52 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.