Filing Flows › Financials › Standard Premium Finance Holdings (SPFX)
Standard Premium Finance Holdings (SPFX) earnings and revenue breakdown
Latest: Q2 2026 · 10-Q filed Aug 10, 2026 · Standard Premium Finance Holdings (SPFX) Q2 2026 earnings results →
Q2 2026 Revenue up 11% year over year to $3.5M · 11¢ of every $1 of revenue kept as net profit · operating margin 14.2%
Standard Premium Finance Holdings made $3.5M in Q2 2026 (+11% Y/Y): Finance charges $3.1M, Late charges $308K, Origination fees $94K. Operating margin 14.2%, net earnings $376K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Aug 10, 2026.
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What changed this quarter
Revenue was $3.5M in Q2 2026, up 11% year over year and up 4% from the previous quarter. Finance charges was the largest line at 88% of revenue. Finance charges added $303K year over year (up 11%), 88% of the total change. Origination fees declined 6%.
Operating profit was $492K, a 14.2% margin (up 3.1 points year over year). Of the extra revenue versus Q2 2025, 42% reached operating profit, above the 11% margin then. Total costs grew 7% against revenue growth of 11%. Net earnings were $376K, up 46% year over year. The effective tax rate was 23.6%.
Operating cash flow was −$69K. Non-cash charges added back $9K of depreciation and $1K of share-based compensation. Working capital and other items used $454K. Capital expenditures of −$2K exceeded it, leaving free cash flow of −$67K.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q2 2026 | 10-Q | Aug 10, 2026 | $3.5M | +11% | 14.2% | $376K | −$69K |
| Q1 2026 | 10-Q | May 11, 2026 | $3.3M | +14% | 17.0% | $408K | $2.3M |
| Q4 2025 | 10-K | Mar 20, 2026 | $3.2M | +4% | 13.4% | $344K | −$1.2M |
| Q3 2025 | 10-Q | Nov 12, 2025 | $3.2M | +5% | 11.6% | $276K | $301K |
| Q2 2025 | 10-Q | Aug 12, 2025 | $3.1M | -0.1% | 11.1% | $258K | $1.5M |
| Q1 2025 | 10-Q | May 5, 2025 | $2.9M | +2% | 15.1% | $336K | $2.3M |
| Q4 2024 | 10-K | Mar 10, 2025 | $3.1M | +14% | 10.0% | $233K | −$697K |
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About Standard Premium Finance Holdings
Standard Premium Finance Holdings, Inc. (“SPFX” or the “Holding”) was incorporated on May 12, 2016, pursuant to the laws of the State of Florida. Standard Premium Finance Management Corporation (“SPFMC”) was incorporated on April 23, 1991, pursuant to the laws of the State of Florida, to engage principally in the insurance premium financing business. SPFMC is a licensed insurance premium finance company in thirty-nine states. Standard Premium Finance Leasing, Inc. (“SPFL”) was incorporated on August 20, 2025, pursuant to the laws of the State of Florida, to engage principally in leasing arrangements. As of June 30, 2026, SPFL has not engaged in any material activity.
In its own words, from its 10-Q, filed Aug 10, 2026.
Standard Premium Finance Holdings against its Miscellaneous Business Credit Institution peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +10%. Operating margin: 14.2% against the peers' median 24.6%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| SPFX Standard Premium Finance Holdings | Q2 2026 | $3.5M | +11% | 14.2% |
| Ford Motor Credit Co LLC | Q3 2026 | $3.6B | +2% | 84.7% |
| Caterpillar Financial Services | Q3 2026 | $1.0B | +10% | 19.8% |
| CNH Industrial Capital LLC | Q2 2026 | $325M | -2% | 24.6% |
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR · CIK 1807893 · Miscellaneous Business Credit Institution
More on SPFX
History
Every quarter: Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results · Q4 2024 results
- Standard Premium Finance Holdings operating margin by quarter
- Standard Premium Finance Holdings net income by quarter
- Standard Premium Finance Holdings Finance charges revenue by quarter
- Standard Premium Finance Holdings Late charges revenue by quarter
- Standard Premium Finance Holdings Origination fees revenue by quarter