SPFX
Standard Premium Finance Holdings, Inc.2.0000
+0.0000+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
6.00MP/E (TTM)
7.69Basic EPS (TTM)
0.26Dividend Yield
0%Recent Filings
8-K
Auditor resigns, new firm hired
Standard Premium Finance Holdings' auditor Stephano Slack resigned effective March 27, 2026, approved by the Audit Committee—no disagreements or reportable events noted. Clean audit opinions issued for 2024 and 2025. The Committee swiftly engaged M&K CPAs on March 30. Smooth transition, no red flags.
10-K
FY2025 results
Standard Premium Finance grew gross revenue 2.7% to $12.5M in FY2025 ended December 31, 2025, with finance charges up 4.1% on $158M originations (5.8% y/y), fueled by marketing hires; yet late charges dipped 6.6%. Q4 saw portfolio expand to $76.6M outstanding (14% y/y), Florida at 62% while states rose to 18. Net income jumped 23.9% to $1.2M, ROE hit 17.6%, as interest expense fell 6.8% post-line hike to $75M at 5.97%. Repurchased 1,186 shares in Q4. Credit stayed tight; reserve ratio eased to 2.43%. Line availability fuels growth, but credit line renewal risks loom.
8-K
Shareholders elect directors, ratify auditor
Standard Premium Finance Holdings held its annual shareholder meeting on November 7, 2025, electing John Leavitt, Christopher Perrucci, and Carl Christian Hoechner as directors for three-year terms ending in 2028, with over 1.35 million votes for each. Shareholders unanimously ratified Stephano Slack, LLC as the independent auditor for fiscal 2025. Directors locked in. No broker non-votes impacted auditor approval.
10-Q
Q3 FY2025 results
Standard Premium Finance nudged revenues up 4.6% y/y to $3.2M in Q3 ended September 30, 2025, with finance charges climbing 6.3% y/y on 14% higher originations, though net income slipped 8% to $276K as commissions jumped 22% y/y and credit provisions rose 35% y/y. Interest expense dropped 6% y/y, aiding margins while portfolio grew to $73.5M net. Cash at $1.2K backs $14.2M working capital; renewed $75M line (6.26%, $8.4M available to Sept 2028) plus $9M notes (6-8%) fund ops. Line holds steady. Litigation shadows routine claims.
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