SPFX · Standard Premium Finance Holdings, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Revenue | $12.47M | $12.14M | $9.72M | $8.16M | $6.43M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| R&D | - | - | - | - | - |
| SG&A | - | - | - | - | - |
| Total Operating Expenses | $10.88M | $10.82M | $9.01M | $7.14M | $5.46M |
| D&A | $46.5K | $40.5K | $25.3K | $22.3K | $25.2K |
| Operating Income | $1.59M | $1.32M | $712.9K | $1.01M | $977.7K |
| Interest Expense | $4.41M | $4.41M | $3.80M | $2.33M | $1.70M |
| Income Tax | $378.3K | $340.1K | $180.5K | $206.2K | $290.3K |
| Net Income | $1.21M | $980.0K | $532.4K | $806.1K | $687.4K |
| EPS - Basic | $0.37 | $0.29 | $0.14 | $0.25 | - |
| EPS - Diluted | $0.29 | $0.24 | $0.13 | $0.28 | - |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | $11.0K | $1.7K | $45.2K | $421.2K | $21.0K |
| Accounts Receivable | - | - | - | - | - |
| Inventory | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - |
| Current Assets | $73.20M | $64.27M | $61.09M | $50.24M | $47.23M |
| Total Assets | $74.82M | $65.85M | $62.38M | $51.49M | $48.52M |
| Current Liabilities | $58.07M | $49.71M | $49.43M | $37.54M | $37.61M |
| Long-term Debt | - | - | - | - | - |
| Total Liabilities | $66.36M | $58.50M | $55.98M | $45.54M | $43.98M |
| Stockholders' Equity | $8.46M | $7.35M | $6.40M | $5.95M | $4.53M |
| Retained Earnings | $4.94M | $3.85M | $2.98M | $2.57M | $1.85M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Operating Cash Flow | $2.88M | $1.84M | $2.68M | $1.62M | $1.30M |
| Investing Cash Flow | ($10.12M) | ($4.48M) | ($12.31M) | ($3.62M) | ($62.3K) |
| Financing Cash Flow | $7.25M | $2.59M | $9.25M | $2.40M | ($1.10M) |
| CapEx | $33.4K | $71.7K | $62.7K | $48.7K | $21.9K |
| Free Cash Flow | $2.85M | $1.77M | $2.62M | $1.58M | $1.27M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Profitability | |||||
| Gross margin | - | - | - | - | - |
| Operating margin | 12.8% | 10.9% | 7.3% | 12.4% | 15.2% |
| EBITDA margin | 13.1% | 11.2% | 7.6% | 12.7% | 15.6% |
| Net margin | 9.7% | 8.1% | 5.5% | 9.9% | 10.7% |
| Free cash flow margin | 22.9% | 14.6% | 27.0% | 19.3% | 19.8% |
| FCF / Net income | 2.35 | 1.81 | 4.92 | 1.95 | 1.85 |
| R&D / Revenue | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - |
| Effective tax rate | 23.8% | 25.8% | 25.3% | 20.4% | 29.7% |
| Return on assets | 1.6% | 1.5% | 0.9% | 1.6% | 1.4% |
| Return on equity | 14.3% | 13.3% | 8.3% | 13.5% | 15.2% |
| Return on invested capital | - | - | - | - | - |
| Liquidity | |||||
| Current ratio | 1.26 | 1.29 | 1.24 | 1.34 | 1.26 |
| Quick ratio | 1.26 | 1.29 | 1.24 | 1.34 | 1.26 |
| Cash ratio | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 |
| Leverage | |||||
| Debt / Equity | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - |
| Interest coverage | 0.4x | 0.3x | 0.2x | 0.4x | 0.6x |
| Equity multiplier | 8.84 | 8.96 | 9.75 | 8.65 | 10.70 |
| Liabilities / Assets | 0.89 | 0.89 | 0.90 | 0.88 | 0.91 |
| Efficiency | |||||
| Asset turnover | 0.17 | 0.18 | 0.16 | 0.16 | 0.13 |
| Inventory turnover | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - |
| Valuation | |||||
| P / E | 7.2x | 7.8x | 35.1x | 23.0x | - |
| P / B | 1.0x | 1.0x | 2.3x | 3.1x | - |
| P / S | 0.7x | 0.6x | 1.5x | 2.3x | - |
| EV / EBITDA | 5.4x | 5.6x | 20.3x | 17.7x | - |
| Growth | |||||
| Revenue growth (YoY) | 2.7% | 24.9% | 19.2% | 26.8% | - |
| Revenue CAGR (3y) | 15.2% | 23.6% | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - |
| Operating income growth (YoY) | 20.6% | 85.2% | -29.6% | 3.5% | - |
| Net income growth (YoY) | 23.9% | 84.1% | -34.0% | 17.3% | - |
| EPS growth (YoY) | 20.8% | 84.6% | -53.6% | - | - |
| EPS CAGR (3y) | 1.2% | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - |
| FCF growth (YoY) | 61.0% | -32.5% | 66.3% | 23.6% | - |
| FCF CAGR (5y) | - | - | - | - | - |
| Book value growth (YoY) | 15.1% | 14.9% | 7.5% | 31.3% | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$12.47M totalFinance Charges$10.98M · 88.0%
Late Charges$1.13M · 9.1%
Origination Fees$361.3K · 2.9%
Stability scores
Altman Z′
FY 2025 · bankruptcy risk
0.49
Distress
Private-firm variant - uses book equity instead of market cap. > 2.90 safe · 1.23-2.90 grey · < 1.23 distress.
Piotroski F-score
FY 2025 · 9-point quality
4/9
Neutral
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- ✗Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
Peer comparison
Same SIC group: Miscellaneous Business Credit Institution
| Company | Revenue (last FY) | Net margin | ROE |
|---|---|---|---|
| SWKH | $41.46M | -6.1% | -1.1% |
Comparing STANDARD PREMIUM FINANCE HOLDINGS against the 1 most active filer in the same SIC group.