STANDARD PREMIUM FINANCE HOLDINGS, INC.

SPFX

STANDARD PREMIUM FINANCE HOLDINGS, INC.

SPFX

Insider Sentiment (TTM):

Last Purchase:2026-05-28Last Sale:-Shares Purchased (TTM):2,758Shares Sold (TTM):0

Institutional Sentiment:

As of:N/AInstitutional Shares Owned:N/AShares Outstanding:N/AInstitutional Ownership Pct.:N/A

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Assets Current
Cash	0	0	0	0	0	0	0	0	0	0	0	0
Prepaid Expense And Other Assets Current	2	2	0	0	0	0	0	0	1	1	0	0
Assets Current	88	81	73	74	70	66	64	68	71	66	61	60
Property Plant And Equipment Net	0	0	0	0	0	0	0	0	0	0	0	0
Operating Lease Right Of Use Asset	0	0	0	0	0	0	0	0	0	0	0	0
Finance Lease Right Of Use Asset	-	0	0	0	0	0	0	0	0	0	0	0
Other Assets
Cash Surrender Value Of Life Insurance	1	1	1	1	1	1	1	0	0	1	1	1
Deferred Income Tax Assets Net	1	1	1	1	1	1	1	0	0	0	0	0
Other Assets	1	1	1	1	1	1	1	1	0	1	1	1
Assets	90	83	75	76	72	68	66	69	72	67	62	61
Liabilities And Stockhold…
Liabilities Current
Bank Overdrafts	0	1	0	1	0	0	0	0	0	0	0	0
Lines Of Credit Current	62	54	49	48	44	41	41	44	44	45	42	41
Drafts Payable	4	4	2	4	4	4	2	4	7	4	3	3
Notes Payable Current	2	1	3	3	4	3	4	3	2	3	2	2
Other Loans Payable Current	-	-	-	-	-	0	0	0	0	-	0	-
Operating Lease Liability Current	0	0	0	0	0	0	0	0	0	0	0	0
Finance Lease Liability Current	-	0	0	0	0	0	0	0	0	0	0	0
Accrued Liabilities And Other Liabilities	3	3	2	2	2	2	2	2	2	2	2	1
Liabilities Current	71	64	58	60	56	51	50	53	56	54	49	49
Liabilities Noncurrent
Long Term Notes Payable	7	8	6	6	5	6	5	6	6	4	5	5
Operating Lease Liability Noncurrent	0	0	0	0	0	0	0	0	0	0	0	0
Other Loans Payable Long Term	-	-	-	-	-	-	0	0	0	-	0	-
Finance Lease Liability Noncurrent	-	-	-	0	0	0	0	0	0	0	0	0
Liabilities Noncurrent	10	10	8	8	8	9	9	9	9	7	7	6
Liabilities	81	74	66	67	64	60	58	62	65	61	56	55
Stockholders Equity
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	-
Common Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Additional Paid In Capital	4	4	4	4	4	4	4	4	3	3	3	3
Retained Earnings Accumulated Deficit	5	5	5	5	4	4	4	4	3	3	3	3
Stockholders Equity	9	9	8	8	8	8	7	7	7	6	6	6
Liabilities And Stockholders Equity	90	83	75	76	72	68	66	69	72	67	62	61
Accounts And Financing Receivable Allowance For Cr…	-	2	2	2	2	2	2	2	2	2	2	1
Preferred Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001
Preferred Stock Shares Authorized	20	20	20	20	20	20	20	20	20	20	20	20
Common Stock Par Or Stated Value Per Share	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001	0.001
Common Stock Shares Authorized	100	100	100	100	100	100	100	100	100	100	100	100
Common Stock Shares Issued	3	3	3	3	3	3	3	3	3	3	3	3
Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3

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10‑Q10‑K

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10‑Q10‑K

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.44%	51.22%	53.66%	-	-	-	-	-	-	-	-	-
2025	12.35%	36.47%	32.35%	-2.30%	-2.87%	6.32%	5.83%	16.67%	21.67%	11.00%	-11.35%	-8.70%
2024	-11.17%	-14.54%	-54.15%	18.01%	-0.62%	-24.84%	21.54%	44.62%	45.38%	37.39%	41.55%	59.03%
2023	-	-	-	-	-	-	-15.38%	-38.46%	-38.46%	15.96%	15.96%	41.49%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Liquidity Ratios
Current Ratio	1.25	1.26	1.26	1.24	1.26	1.31	1.29	1.28	1.26	1.22	1.24	1.23
Quick Ratio	1.23	1.24	1.25	1.23	1.26	1.30	1.28	1.28	1.25	1.20	1.23	1.22
Working Capital	17.68M	16.95M	15.12M	14.18M	14.73M	15.52M	14.57M	15.08M	14.66M	11.69M	11.66M	11.07M
Leverage & Debt
Debt to Equity	8.97	8.49	7.84	8.28	8.12	7.84	7.96	8.63	9.54	9.39	8.75	8.81
Interest Coverage TTM	1.41	1.38	1.36	1.37	1.36	1.38	1.30	1.27	1.23	1.20	1.19	1.19
Debt Ratio	0.90	0.89	0.89	0.89	0.89	0.89	0.89	0.90	0.91	0.90	0.90	0.90
Efficiency & Turnover
Asset Turnover TTM	0.16	0.17	0.18	0.17	0.17	0.18	0.19	0.18	0.17	0.17	0.17	0.16
Per Share Metrics
Diluted EPS TTM	0.33	0.29	0.26	0.27	0.27	0.29	0.24	0.21	0.20	0.19	0.16	0.16
Free Cash Flow Per Share TTM	0.42	0.94	0.95	0.36	-0.56	0.86	0.60	0.89	1.98	1.09	0.90	0.83
Dividend Per Share TTM	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Margin Metrics
Gross Profit Margin TTM	67.83%	67.61%	67.07%	66.76%	65.78%	65.08%	63.70%	62.38%	61.90%	60.96%	60.94%	61.52%
Operating Profit Margin TTM	14.08%	13.32%	12.77%	11.91%	12.32%	13.05%	10.87%	10.51%	8.72%	7.62%	7.33%	8.05%
Net Profit Margin TTM	9.73%	9.08%	8.80%	9.17%	9.24%	10.04%	8.07%	7.55%	6.50%	5.56%	5.48%	5.80%
Growth Metrics
Net Revenue Growth (1Y)	8.44%	5.58%	2.69%	4.97%	8.16%	16.57%	24.89%	29.34%	30.94%	25.40%	19.21%	13.60%
Net Income Growth (1Y)	14.18%	-4.57%	12.02%	27.43%	53.69%	110.55%	84.07%	68.44%	35.89%	9.52%	-25.74%	-34.02%
EPS Growth (1Y)	16.93%	-4.50%	9.84%	25.65%	48.76%	103.80%	81.71%	65.35%	35.89%	9.52%	-25.74%	-34.02%
Valuation Metrics
P/E TTM	7.21	5.90	5.74	4.51	6.17	4.65	5.65	5.33	11.81	16.31	24.88	34.70
P/B TTM	1.03	0.79	0.74	0.63	0.88	0.74	0.75	0.66	1.27	1.46	2.07	2.93
P/S TTM	0.70	0.54	0.51	0.41	0.57	0.47	0.46	0.40	0.77	0.91	1.36	2.01
Market Cap	9.29M	6.90M	6.30M	5.10M	6.96M	5.70M	5.53M	4.73M	8.66M	9.50M	13.25M	18.30M
Enterprise Value	80.08M	69.76M	64.37M	62.17M	60.61M	55.95M	55.77M	57.46M	61.11M	61.62M	62.48M	66.46M
Calculated Values
Free Cash Flow TTM	1.22M	2.83M	2.85M	1.09M	-1.67M	2.59M	1.77M	2.62M	5.75M	3.16M	2.62M	2.41M
Net Debt	70.80M	62.86M	58.06M	57.07M	53.65M	50.24M	50.24M	52.72M	52.44M	52.12M	49.24M	48.16M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-28Purchase

Owner: Hoechner, Carl Christian

Title: -

Shares: 100

Price/Share: $2.13

Value: $213.00

Shares Owned: 172,738

Relationship: Director

Ownership: Direct

2026-05-22Purchase

Owner: Hoechner, Carl Christian

Title: -

Shares: 38

Price/Share: $2.00

Value: $76.00

Shares Owned: 172,638

Relationship: Director

Ownership: Direct

2026-05-21Purchase

Owner: Hoechner, Carl Christian

Title: -

Shares: 300

Price/Share: $2.25

Value: $675.00

Shares Owned: 172,600

Relationship: Director

Ownership: Direct

2025-12-10Purchase

Owner: Koppelmann, William

Title: CEO

Shares: 1,000

Price/Share: $1.91

Value: $1,910.00

Shares Owned: 807,155

Relationship: Director,Officer,TenPercentOwner

Ownership: Direct

2025-11-25Purchase

Owner: Hoechner, Carl Christian

Title: -

Shares: 100

Price/Share: $1.95

Value: $195.00

Shares Owned: 172,300

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-28	Hoechner, Carl Christian	Director	-	Direct	Purchase	100	2.13	$213.00	172,738	4
2026-05-22	Hoechner, Carl Christian	Director	-	Direct	Purchase	38	2.00	$76.00	172,638	4
2026-05-21	Hoechner, Carl Christian	Director	-	Direct	Purchase	300	2.25	$675.00	172,600	4
2025-12-10	Koppelmann, William	Director,Officer,TenPercentOwner	CEO	Direct	Purchase	1,000	1.91	$1,910.00	807,155	4
2025-11-25	Hoechner, Carl Christian	Director	-	Direct	Purchase	100	1.95	$195.00	172,300	4
2025-11-21	Krogol, Brian	Director,Officer	CFO	Direct	Purchase	1,120	2.29	$2,564.80	88,720	4
2025-11-18	Hoechner, Carl Christian	Director	-	Direct	Purchase	100	2.25	$225.00	172,200	4
2024-12-10	Koppelmann, William	Director,Officer	CEO	Direct	Purchase	2,500	1.70	$4,250.00	806,155	4
2024-11-18	Krogol, Brian	Director,Officer	CFO	Direct	Purchase	2,000	1.30	$2,600.00	87,600	4
2024-10-16	Hoechner, Carl Christian	Director	-	Direct	Purchase	100	1.35	$135.00	172,100	4
2024-09-06	Hoechner, Carl Christian	Director	-	Direct	Purchase	224	1.50	$336.00	172,000	4
2024-08-22	Krogol, Brian	Director,Officer	CFO	Direct	Purchase	200	1.75	$350.00	85,600	4
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No institutional ownership data available.

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) — SEC Financial Statements & Analysis

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) is a miscellaneous business credit institution company, incorporated in FL. STANDARD PREMIUM FINANCE HOLDINGS, INC. trades on OTC as: SPFX. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), STANDARD PREMIUM FINANCE HOLDINGS, INC. reported a 8.44% year-over-year revenue growth, a Gross Profit Margin of 67.83% (TTM), a Debt-to-Equity ratio of 8.97x, a Price-to-Sales (P/S) ratio of 0.70x (TTM), a Price-to-Book (P/B) ratio of 1.03x (TTM), at a market cap of $9.29M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 8.44%
Gross Profit Margin TTM: 67.83%
Debt To Equity: 8.97x
P/S TTM: 0.70x
P/B TTM: 1.03x
Market Cap: $9.29M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is STANDARD PREMIUM FINANCE HOLDINGS, INC. in?

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) operates in the Miscellaneous Business Credit Institution industry.

What is SPFX's market cap?

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) has a market capitalization of $9.29M as of 2026-06-30.

What is SPFX's P/E ratio?

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX)'s trailing twelve month P/E ratio is 7.21x as of 2026-06-30.

What exchange does SPFX trade on?

STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) trades on the OTC.

Where is STANDARD PREMIUM FINANCE HOLDINGS, INC. incorporated?

STANDARD PREMIUM FINANCE HOLDINGS, INC. is incorporated in FL.