Every 10-Q that STANDARD PREMIM FIN HLDG (SPFX) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-Q covers the quarterly report filed between annual reports, so if you follow SPFX and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full SPFX filings page.
Standard Premium Finance Holdings, Inc. (SPFX) reported higher activity for the quarter and six months ended June 30, 2026. Total assets were $89.9 million, up from $74.8 million at December 31, 2025, driven mainly by growth in premium finance contracts to $90.8 million of amortized cost.
For the six months, gross revenue rose to $6.78 million from $6.01 million, and net income increased to $783,717 from $593,916. Originations grew to $93.46 million from $77.93 million, while the interest earned rate eased to 16.79%. Return on assets reached 1.76% and return on equity 20.50%.
Funding relies primarily on a syndicated revolving line of credit with a $75 million commitment and additional accordion capacity, with $62.1 million outstanding at June 30, 2026 at a 30‑Day SOFR-based rate of 5.72%. The allowance for credit losses was $2.51 million, a 2.66% reserve ratio on the portfolio.
Standard Finance Holdings, Inc. reported stronger results for the three months ended March 31, 2026. Gross revenue rose to $3,316,369 from $2,896,133, driven mainly by higher finance charges as loan originations increased.
Net income grew to $408,067 from $335,829, with net income attributable to common stockholders of $379,017. Basic earnings per share were $0.13 versus $0.10 a year earlier, and diluted EPS were $0.10 versus $0.08.
Total assets reached $82.6 million as the premium finance portfolio expanded. The company continued to rely primarily on its revolving credit facility, with $54.0 million outstanding, while maintaining a return on equity of 21.90% and a reserve ratio of 2.70%.
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.