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

STANDARD PREMIUM FINANCE HOLDI (SPFX) reported diluted earnings per share of $0.29 for fiscal year 2025. This represents a 20.8% 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.

STANDARD PREMIUM FINANCE HOLDI Financials

SPFX

Source SEC Filings (10-K/10-Q) Updated Mar 20, 2026 Currency USD FYE March

This page shows STANDARD PREMIUM FINANCE HOLDI (SPFX) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 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

Earnings Quality Cash-Backed

2.38x

For every $1 of reported earnings, STANDARD PREMIUM FINANCE HOLDI generates $2.38 in operating cash flow ($2.9M OCF vs $1.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$11.0M

YoY-9.6%

5Y CAGR+11.3%

STANDARD PREMIUM FINANCE HOLDI generated $11.0M in revenue in fiscal year 2025. This represents a decrease of 9.6% from the prior year.

EBITDA

N/A

Net Income

$1.2M

YoY+23.9%

5Y CAGR+12.0%

STANDARD PREMIUM FINANCE HOLDI reported $1.2M in net income in fiscal year 2025. This represents an increase of 23.9% from the prior year.

EPS (Diluted)

$0.29

YoY+20.8%

STANDARD PREMIUM FINANCE HOLDI earned $0.29 per diluted share (EPS) in fiscal year 2025. This represents an increase of 20.8% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$2.9M

YoY+61.0%

5Y CAGR+17.5%

STANDARD PREMIUM FINANCE HOLDI generated $2.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 61.0% from the prior year.

Cash & Debt

N/A

Dividends Per Share

N/A

Shares Outstanding

YoY-0.0%

5Y CAGR+0.6%

STANDARD PREMIUM FINANCE HOLDI had 3M shares outstanding in fiscal year 2025. This represents a decrease of 0.0% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

11.1%

YoY+3.0pp

5Y CAGR+0.4pp

STANDARD PREMIUM FINANCE HOLDI's net profit margin was 11.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 3.0 percentage points from the prior year.

Return on Equity

N/A

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$33K

YoY-53.4%

5Y CAGR+8.8%

STANDARD PREMIUM FINANCE HOLDI invested $33K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 53.4% from the prior year.

SPFX Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$11.0M-9.6%	$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	N/A
Gross Profit	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
SG&A Expenses	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
Interest Expense	$4.1M-6.8%	$4.4M+16.1%	$3.8M+63.1%	$2.3M+34.9%	$1.7M+1.3%	$1.7M
Income Tax	$378K+11.2%	$340K+88.5%	$180K-12.5%	$206K-33.5%	$310K+6.8%	$290K
Net Income	$1.2M+23.9%	$980K+84.1%	$532K-34.0%	$806K-8.0%	$876K+27.5%	$687K
EPS (Diluted)	$0.29+20.8%	$0.24+84.6%	$0.13-38.1%	$0.21-25.0%	$0.28	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$3.2M+3.2%	$3.1M+7.6%	$2.9M-7.2%	$3.1M+1.5%	$3.1M-1.5%	$3.1M+10.2%	$2.8M+3.2%	$2.7M
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-8.6%	$1.2M+3.4%	$1.1M+3.0%	$1.1M+0.9%	$1.1M
Income Tax	$98K+11.8%	$87K-14.5%	$102K+27.2%	$80K-24.3%	$106K-1.5%	$108K+135.4%	$46K-77.6%	$205K
Net Income	$276K+6.9%	$258K-23.1%	$336K+44.1%	$233K-22.5%	$301K-8.2%	$327K+175.6%	$119K-30.3%	$171K
EPS (Diluted)	$0.07+16.7%	$0.06-25.0%	$0.08	N/A	$0.07-22.2%	$0.09+200.0%	$0.03	N/A

SPFX Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	N/A	$65.8M+5.6%	$62.4M+21.1%	$51.5M+6.1%	$48.5M+18.9%	$40.8M
Current Assets	N/A	$64.3M+5.2%	$61.1M+21.6%	$50.2M+6.4%	$47.2M+18.5%	$39.9M
Cash & Equivalents	N/A	$2K-96.2%	$45K-89.3%	$421K+1907.0%	$21K-95.6%	$477K
Inventory	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
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	N/A	$58.5M+4.5%	$56.0M+22.9%	$45.5M+3.5%	$44.0M+18.5%	$37.1M
Current Liabilities	N/A	$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	N/A
Total Equity	N/A	$7.4M+14.9%	$6.4M+7.5%	$6.0M+31.3%	$4.5M+23.1%	$3.7M
Retained Earnings	N/A	$3.8M+29.0%	$3.0M+16.2%	$2.6M+38.8%	$1.8M+77.5%	$1.0M

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$75.6M+5.0%	$72.0M+6.3%	$67.7M+2.8%	$65.8M-4.7%	$69.1M-4.0%	$72.0M+6.6%	$67.5M+8.2%	$62.4M
Current Assets	$74.0M+5.0%	$70.4M+6.5%	$66.1M+2.9%	$64.3M-5.7%	$68.2M-4.1%	$71.1M+7.7%	$66.0M+8.0%	$61.1M
Cash & Equivalents	$1K-91.6%	$14K+439.6%	$3K+52.7%	$2K-20.2%	$2K+105.9%	$1K-8.7%	$1K-97.5%	$45K
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-5.5%	$61.9M-5.0%	$65.1M+6.8%	$61.0M+9.0%	$56.0M
Current Liabilities	$59.8M+7.3%	$55.7M+10.0%	$50.6M+1.9%	$49.7M-6.4%	$53.1M-5.9%	$56.4M+3.9%	$54.3M+9.8%	$49.4M
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+2.4%	$7.2M+5.1%	$6.8M+5.2%	$6.5M+1.5%	$6.4M
Retained Earnings	$4.6M+5.6%	$4.4M+5.5%	$4.2M+8.0%	$3.8M+4.8%	$3.7M+8.0%	$3.4M+10.7%	$3.1M+3.0%	$3.0M

SPFX Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$2.9M+56.5%	$1.8M-31.4%	$2.7M+65.2%	$1.6M-21.4%	$2.1M+59.3%	$1.3M
Capital Expenditures	$33K-53.4%	$72K+14.4%	$63K+28.7%	$49K+32.0%	$37K+68.7%	$22K
Free Cash Flow	$2.9M+61.0%	$1.8M-32.5%	$2.6M+66.3%	$1.6M-22.3%	$2.0M+59.2%	$1.3M
Investing Cash Flow	-$10.1M-126.1%	-$4.5M+63.6%	-$12.3M-239.7%	-$3.6M+57.9%	-$8.6M-13700.5%	-$62K
Financing Cash Flow	$7.2M+179.8%	$2.6M-72.0%	$9.2M+285.5%	$2.4M-60.5%	$6.1M+650.9%	-$1.1M
Dividends Paid	$116K0.0%	$116K0.0%	$116K+30.3%	$89K+28.7%	$69K+24.2%	$56K
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$301K-80.0%	$1.5M-34.5%	$2.3M+429.4%	-$697K+71.3%	-$2.4M-170.1%	$3.5M+130.9%	$1.5M+660.5%	$197K
Capital Expenditures	$0	$0-100.0%	$887-92.7%	$12K-62.7%	$32K+5296.3%	$600-97.8%	$27K-50.2%	$54K
Free Cash Flow	$301K-80.0%	$1.5M-34.5%	$2.3M+423.7%	-$709K+71.2%	-$2.5M-171.0%	$3.5M+135.0%	$1.5M+925.3%	$144K
Investing Cash Flow	-$3.8M+19.5%	-$4.8M-127.1%	-$2.1M-175.3%	$2.8M-2.6%	$2.9M+153.2%	-$5.4M-12.9%	-$4.7M-253.0%	-$1.3M
Financing Cash Flow	$3.5M+7.8%	$3.3M+1723.1%	-$201K+90.3%	-$2.1M-391.1%	-$424K-122.4%	$1.9M-40.9%	$3.2M+168.5%	$1.2M
Dividends Paid	N/A	N/A	N/A	$58K+100.0%	$29K	$0-100.0%	$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	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	11.1%+3.0pp	8.1%+2.6pp	5.5%-4.4pp	9.9%-1.6pp	11.4%+0.7pp	10.7%
Return on Equity	N/A	13.3%+5.0pp	8.3%-5.2pp	13.5%-5.8pp	19.3%+0.7pp	18.7%
Return on Assets	N/A	1.5%+0.6pp	0.9%-0.7pp	1.6%-0.2pp	1.8%+0.1pp	1.7%
Current Ratio	N/A	1.29+0.1	1.24-0.1	1.34+0.1	1.26-0.0	1.27
Debt-to-Equity	N/A	7.96-0.8	8.75+1.1	7.65-2.0	9.70-0.4	10.08
FCF Margin	26.0%+11.4pp	14.6%-12.4pp	27.0%+7.6pp	19.3%-7.1pp	26.5%+6.7pp	19.8%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
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%-2.3pp	9.8%-0.7pp	10.5%+6.3pp	4.2%-2.0pp	6.2%
Return on Equity	3.4%+0.1pp	3.3%-1.1pp	4.4%+1.2pp	3.2%-1.0pp	4.2%-0.6pp	4.8%+3.0pp	1.8%-0.8pp	2.7%
Return on Assets	0.4%+0.0pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.1pp	0.4%-0.0pp	0.5%+0.3pp	0.2%-0.1pp	0.3%
Current Ratio	1.24-0.0	1.26-0.0	1.31+0.0	1.290.0	1.28+0.0	1.26+0.0	1.22-0.0	1.24
Debt-to-Equity	8.28+0.2	8.12+0.3	7.84-0.1	7.96-0.7	8.63-0.9	9.54+0.1	9.39+0.6	8.75
FCF Margin	9.3%-38.9pp	48.3%-31.0pp	79.3%+102.0pp	-22.7%+57.4pp	-80.1%-191.2pp	111.1%+59.0pp	52.1%+46.9pp	5.3%

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Frequently Asked Questions

What is STANDARD PREMIUM FINANCE HOLDI's annual revenue?

STANDARD PREMIUM FINANCE HOLDI (SPFX) reported $11.0M in total revenue for fiscal year 2025. This represents a -9.6% 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 declined by 9.6% year-over-year, from $12.1M to $11.0M in fiscal year 2025.

Is STANDARD PREMIUM FINANCE HOLDI profitable?

Yes, STANDARD PREMIUM FINANCE HOLDI (SPFX) reported a net income of $1.2M in fiscal year 2025, with a net profit margin of 11.1%.

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

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a net profit margin of 11.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

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

STANDARD PREMIUM FINANCE HOLDI (SPFX) generated $2.9M in free cash flow during fiscal year 2025. This represents a 61.0% 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 $2.9M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are STANDARD PREMIUM FINANCE HOLDI's capital expenditures?

STANDARD PREMIUM FINANCE HOLDI (SPFX) invested $33K in capital expenditures during fiscal year 2025, 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 2025.

Are STANDARD PREMIUM FINANCE HOLDI's earnings high quality?

STANDARD PREMIUM FINANCE HOLDI (SPFX) has an earnings quality ratio of 2.38x, 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.