Welcome to our dedicated page for STANDARD PREMIUM FINANCE HOLDI SEC filings (Ticker: SPFX), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
Credit metrics buried in acquisition footnotes, interest-rate sensitivity tables, and executive stock awards make Standard Premium Finance Holdings’ regulatory disclosures some of the densest in specialty finance. If you have ever typed “How do I read Standard Premium Finance Holdings annual report 10-K simplified?” you already know the challenge.
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Standard Premium Finance Holdings (SPFX) reported annual meeting results. Shareholders elected three directors—John Leavitt (1,353,227 votes for), Christopher Perrucci (1,376,939 for), and Carl Christian Hoechner (1,371,005 for)—to serve terms expiring at the 2028 Annual Meeting. Withheld votes were limited and broker non-votes were 1,401 where applicable.
Shareholders also ratified Stephano Slack, LLC as the independent registered public accounting firm for fiscal 2025 with 1,378,340 votes for and no votes against or abstentions. As of the September 8, 2025 record date, shares entitled to vote were 3,167,216, consisting of 3,001,216 common shares and 166,000 preferred shares.
Standard Premium Finance Holdings (SPFX) reported steady Q3 performance. Revenue for the quarter was $3,215,771, up 4.6% year over year, with net income of $276,024. Basic EPS was $0.08 (diluted $0.07). For the nine months ended September 30, revenue was $9,227,729 and net income attributable to common stockholders was $782,790.
The loan book continued to expand: premium finance contracts and related receivables, net, reached $73,532,852, up from $63,857,557 at year‑end. The allowance for credit losses was $2,159,237, and the reserve ratio was 2.61%. Q3 originations were $41,034,533.
Funding improved with a renewed and upsized revolving credit facility, increasing the commitment to $75,000,000 and extending maturity to September 25, 2028, while lowering the margin to 2.10% over 30‑Day SOFR. Principal outstanding on the line was $48,364,857 with $8,393,823 of availability as of quarter‑end. Operating cash flow for the nine months was $4,102,464; investing used $10,684,853; financing provided $6,581,859. There were 3,001,216 common shares outstanding as of November 12, 2025.
The proxy excerpt explains how stockholders can obtain materials and vote for the Annual Meeting: follow the 12-digit control number at https://www.iproxydirect.com/spfx, return a signed proxy card for receipt by 4:00 p.m. on November 7, 2025, or vote in person (in-person votes supersede prior votes). Alternative requests for paper materials may be made by fax (202-521-3464), telephone (1-866-752-8683), or email (proxy@iproxydirect.com) with the 12-digit notice number. The Compensation Committee discloses it takes material non-public information into account when timing and setting equity awards and states the Company does not time disclosures to affect award value. The filing lists audit-related fee categories showing figures of 2,500 in certain rows and provides detailed beneficial ownership counts and exercisable options for named individuals (for example, Mr. Koppelmann: 806,155 shares plus 10,000 options at $4.95; others include option exercise prices and tenures). The excerpt closes with signatures including Scott Howell, MD; Christian Hoechner; Mark Kutner, MD.
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