SPFX
Standard Premium Finance Holdings, Inc.2.0000
+0.0000+0%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '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
8-K
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.
8-K
Loan amendment expands capacity
Standard Premium Finance Holdings boosted its borrowing capacity to $75 million via a fifth amendment to its loan agreement on September 25, 2025, adding an uncommitted $40 million accordion for up to $115 million total. Interest margins dropped to 210 basis points from 255-296, while maturity extends to September 25, 2028, under a syndicated setup with First Horizon Bank, Flagstar Bank, and Cadence Bank. This eases funding costs yet ties to ongoing covenants.
10-Q
Q2 FY2025 results
Standard Premium Finance Holdings posted steady Q2 revenue of $3.1M, flat year-over-year but with finance charges up 1.4% to $2.8M amid higher earned rates of 18.1% versus 17.6%; yet net income dipped 21.2% to $258K, pressured by a 28.5% jump in credit loss provisions to $391K and 25.1% higher commissions, while interest costs fell 7.7% to $1.0M on lower rates. For the half-year, revenue climbed 1.1% to $6.0M with net income surging 33.1% to $594K, driven by the same dynamics—provisions rose 19.1% but were outpaced by a 10.5% interest drop. Cash swelled to $14K from $2K at year-start, backed by $3.8M operating cash flow, though free cash flow isn't disclosed in the 10-Q; the $44.4M line of credit (7.07% rate, $5.6M available, matures Nov 2025) plus $9.2M notes and $3.1M related-party debt fund operations, with covenant compliance holding. Diluted EPS of $0.06 reconciles cleanly to 4.2M shares, no anti-dilution flags. Competition from larger lenders remains a key risk.
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