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 31, 2026 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 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).

Rhea AI SPFX FY2025 2026-05-11

Returns are built through leverage: this business earns modestly on assets, converts profit to cash, and keeps expanding with outside funding.

From FY2023 to FY2025, ROA improved only from 0.9% to 1.6%, yet ROE rose from 8.3% to 14.4% while debt-to-equity stayed near 8x. The key mechanic is leverage: modest asset-level profitability is being amplified into a much stronger equity return.

In FY2025, operating cash flow of $2.9M topped net income of $1.2M, and free cash flow stayed almost identical at $2.9M because capital spending was only $33K. That says the business is not equipment-intensive; most reinvestment shows up in financing and balance-sheet growth, not in hard assets.

The balance sheet carries very little idle cash at just $11K even with a 1.3x current ratio, so liquidity is tied up in other current assets rather than a cash buffer. FY2025 investing outflows of $10.1M were larger than internally generated cash and were partly met by $7.2M of financing inflows, showing that expansion still leans on outside funding.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of STANDARD PREMIUM FINANCE HOLDI's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

STANDARD PREMIUM FINANCE HOLDI's revenue grew a modest 2.7% year-over-year to $12.5M. This slow but positive growth earns a score of 55/100.

Leverage

STANDARD PREMIUM FINANCE HOLDI has elevated debt relative to equity (D/E of 7.84), 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 1.26 is below the typical benchmark, resulting in a score of 20/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Cash Flow

STANDARD PREMIUM FINANCE HOLDI converts 22.9% of revenue into free cash flow ($2.9M). This strong cash generation earns a score of 78/100.

Returns

STANDARD PREMIUM FINANCE HOLDI's ROE of 14.3% shows moderate profitability relative to equity, earning a score of 40/100. This is up from 13.3% the prior year.

Piotroski F-Score Neutral

5/9

STANDARD PREMIUM FINANCE HOLDI passes 5 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 3 leverage/liquidity signals pass, neither operating efficiency signal passes.

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

$12.5M

YoY+2.7%

5Y CAGR+14.1%

STANDARD PREMIUM FINANCE HOLDI generated $12.5M in revenue in fiscal year 2025. This represents an increase of 2.7% 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

$11K

YoY+539.3%

5Y CAGR-53.0%

STANDARD PREMIUM FINANCE HOLDI held $11K in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

YoY+0.0%

5Y CAGR+0.7%

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

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

9.7%

YoY+1.7pp

5Y CAGR-0.9pp

STANDARD PREMIUM FINANCE HOLDI's net profit margin was 9.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.7 percentage points from the prior year.

Return on Equity

14.3%

YoY+1.0pp

5Y CAGR-4.3pp

STANDARD PREMIUM FINANCE HOLDI's ROE was 14.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 1.0 percentage points from the prior year.

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	$12.5M+2.7%	$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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$3.3M+2.3%	$3.2M+0.8%	$3.2M+3.2%	$3.1M+7.6%	$2.9M-7.2%	$3.1M+1.5%	$3.1M-1.5%	$3.1M
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	$1.0M-4.6%	$1.1M-2.4%	$1.1M+5.1%	$1.0M+9.7%	$939K-11.0%	$1.1M-8.6%	$1.2M+3.4%	$1.1M
Income Tax	$154K+69.7%	$91K-6.8%	$98K+11.8%	$87K-14.5%	$102K+27.2%	$80K-24.3%	$106K-1.5%	$108K
Net Income	$408K+18.6%	$344K+24.6%	$276K+6.9%	$258K-23.1%	$336K+44.1%	$233K-22.5%	$301K-8.2%	$327K
EPS (Diluted)	$0.10	N/A	$0.07+16.7%	$0.06-25.0%	$0.08	N/A	$0.07-22.2%	$0.09

SPFX Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$74.8M+13.6%	$65.8M+5.6%	$62.4M+21.1%	$51.5M+6.1%	$48.5M+18.9%	$40.8M
Current Assets	$73.2M+13.9%	$64.3M+5.2%	$61.1M+21.6%	$50.2M+6.4%	$47.2M+18.5%	$39.9M
Cash & Equivalents	$11K+539.3%	$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	$1.1M+8.3%	$1.1M	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$66.4M+13.4%	$58.5M+4.5%	$56.0M+22.9%	$45.5M+3.5%	$44.0M+18.5%	$37.1M
Current Liabilities	$58.1M+16.8%	$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	$8.5M+15.1%	$7.4M+14.9%	$6.4M+7.5%	$6.0M+31.3%	$4.5M+23.1%	$3.7M
Retained Earnings	$4.9M+28.5%	$3.8M+29.0%	$3.0M+16.2%	$2.6M+38.8%	$1.8M+77.5%	$1.0M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$82.6M+10.4%	$74.8M-1.0%	$75.6M+5.0%	$72.0M+6.3%	$67.7M+2.8%	$65.8M-4.7%	$69.1M-4.0%	$72.0M
Current Assets	$80.9M+10.6%	$73.2M-1.0%	$74.0M+5.0%	$70.4M+6.5%	$66.1M+2.9%	$64.3M-5.7%	$68.2M-4.1%	$71.1M
Cash & Equivalents	$11K-3.3%	$11K+825.0%	$1K-91.6%	$14K+439.6%	$3K+52.7%	$2K-20.2%	$2K+105.9%	$1K
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	$1.2M+8.3%	$1.1M	N/A	N/A	N/A	$1.1M	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$73.9M+11.4%	$66.4M-1.6%	$67.4M+5.2%	$64.1M+6.7%	$60.0M+2.6%	$58.5M-5.5%	$61.9M-5.0%	$65.1M
Current Liabilities	$64.0M+10.2%	$58.1M-2.9%	$59.8M+7.3%	$55.7M+10.0%	$50.6M+1.9%	$49.7M-6.4%	$53.1M-5.9%	$56.4M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$8.7M+2.9%	$8.5M+3.9%	$8.1M+3.2%	$7.9M+3.0%	$7.7M+4.2%	$7.4M+2.4%	$7.2M+5.1%	$6.8M
Retained Earnings	$5.2M+4.9%	$4.9M+6.8%	$4.6M+5.6%	$4.4M+5.5%	$4.2M+8.0%	$3.8M+4.8%	$3.7M+8.0%	$3.4M

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	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$2.3M+289.0%	-$1.2M-505.5%	$301K-80.0%	$1.5M-34.5%	$2.3M+429.4%	-$697K+71.3%	-$2.4M-170.1%	$3.5M
Capital Expenditures	$28K-12.9%	$33K	$0	$0-100.0%	$887-92.7%	$12K-62.7%	$32K+5296.3%	$600
Free Cash Flow	$2.3M+281.8%	-$1.3M-516.3%	$301K-80.0%	$1.5M-34.5%	$2.3M+423.7%	-$709K+71.2%	-$2.5M-171.0%	$3.5M
Investing Cash Flow	-$6.9M-1316.8%	$564K+114.7%	-$3.8M+19.5%	-$4.8M-127.1%	-$2.1M-175.3%	$2.8M-2.6%	$2.9M+153.2%	-$5.4M
Financing Cash Flow	$4.6M+585.8%	$665K-81.1%	$3.5M+7.8%	$3.3M+1723.1%	-$201K+90.3%	-$2.1M-391.1%	-$424K-122.4%	$1.9M
Dividends Paid	$29K	N/A	N/A	N/A	$29K-50.0%	$58K+100.0%	$29K	$0
Share Buybacks	$135K	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	9.7%+1.7pp	8.1%+2.6pp	5.5%-4.4pp	9.9%-1.6pp	11.4%+0.7pp	10.7%
Return on Equity	14.3%+1.0pp	13.3%+5.0pp	8.3%-5.2pp	13.5%-5.8pp	19.3%+0.7pp	18.7%
Return on Assets	1.6%+0.1pp	1.5%+0.6pp	0.9%-0.7pp	1.6%-0.2pp	1.8%+0.1pp	1.7%
Current Ratio	1.26-0.0	1.29+0.1	1.24-0.1	1.34+0.1	1.26-0.0	1.27
Debt-to-Equity	7.84-0.1	7.96-0.8	8.75+1.1	7.65-2.0	9.70-0.4	10.08
FCF Margin	22.9%+8.3pp	14.6%-12.4pp	27.0%+7.6pp	19.3%-7.1pp	26.5%+6.7pp	19.8%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	12.3%+1.7pp	10.6%+2.0pp	8.6%+0.3pp	8.3%-3.3pp	11.6%+4.1pp	7.5%-2.3pp	9.8%-0.7pp	10.5%
Return on Equity	4.7%+0.6pp	4.1%+0.7pp	3.4%+0.1pp	3.3%-1.1pp	4.4%+1.2pp	3.2%-1.0pp	4.2%-0.6pp	4.8%
Return on Assets	0.5%+0.0pp	0.5%+0.1pp	0.4%+0.0pp	0.4%-0.1pp	0.5%+0.1pp	0.4%-0.1pp	0.4%-0.0pp	0.5%
Current Ratio	1.260.0	1.26+0.0	1.24-0.0	1.26-0.0	1.31+0.0	1.290.0	1.28+0.0	1.26
Debt-to-Equity	8.49+0.6	7.84-0.4	8.28+0.2	8.12+0.3	7.84-0.1	7.96-0.7	8.63-0.9	9.54
FCF Margin	68.6%+107.2pp	-38.6%-48.0pp	9.3%-38.9pp	48.3%-31.0pp	79.3%+102.0pp	-22.7%+57.4pp	-80.1%-191.2pp	111.1%

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Frequently Asked Questions

What is STANDARD PREMIUM FINANCE HOLDI's annual revenue?

STANDARD PREMIUM FINANCE HOLDI (SPFX) reported $12.5M in total revenue for fiscal year 2025. This represents a 2.7% 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 2.7% year-over-year, from $12.1M to $12.5M 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 9.7%.

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

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a net profit margin of 9.7% in fiscal year 2025, 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 14.3% for fiscal year 2025, 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 $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 total assets?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had $74.8M in total assets as of fiscal year 2025, including both current and long-term assets.

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.

What is STANDARD PREMIUM FINANCE HOLDI's current ratio?

STANDARD PREMIUM FINANCE HOLDI (SPFX) had a current ratio of 1.26 as of fiscal year 2025, 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 7.84 as of fiscal year 2025, 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 1.6% for fiscal year 2025, 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 5 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 to 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 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.

How financially healthy is STANDARD PREMIUM FINANCE HOLDI?

STANDARD PREMIUM FINANCE HOLDI (SPFX) scores 32 out of 100 on our Financial Profile, indicating weak 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.