Filing Flows › Standard Premium Finance Holdings (SPFX) › Q1 2025
Standard Premium Finance Holdings (SPFX) Q1 2025 earnings results (first quarter 2025)
10-Q filed May 5, 2025
Standard Premium Finance Holdings (SPFX) reported revenue of $2.9M for the first quarter 2025 (Q1 2025), +2% from a year earlier and -7% from the quarter before. Operating margin was 15.1%, net earnings $336K (11.6% of revenue).
Standard Premium Finance Holdings, Q1 2025: revenue $2.9M (+2% year over year), operating margin 15.1%, net earnings $336K, operating cash flow $2.3M. The chart follows the revenue to costs, profit and cash.
| Q1 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $2.9M | -7% | +2% |
| Operating profit | $438K | +40% | +166% |
| Net earnings | $336K | +44% | +183% |
| Operating cash flow | $2.3M | — | +53% |
| Free cash flow | $2.3M | — | +56% |
What changed
Revenue was $2.9M in Q1 2025, up 2% year over year and down 7% from the previous quarter. Finance charges was the largest line at 87% of revenue. Finance charges added $79K year over year (up 3%), 119% of the total change. Origination fees declined 11%.
Operating profit was $438K, a 15.1% margin (up 9.3 points year over year). Of the extra revenue versus a year earlier, 413% reached operating profit, above the 6% margin then. Total costs fell 8% while revenue rose 2%. Net earnings were $336K, up 183% year over year. The effective tax rate was 23.3%.
Operating cash flow was $2.3M (up 53% year over year), 684% of net earnings. Non-cash charges added back $10K of depreciation. Working capital and other items added $2.0M. Capital expenditures of $1K left free cash flow of $2.3M.
Questions
What was Standard Premium Finance Holdings' revenue in the first quarter 2025?
Standard Premium Finance Holdings (SPFX) reported revenue of $2.9M for the first quarter 2025 (Q1 2025), +2% from a year earlier and -7% from the quarter before.
Was Standard Premium Finance Holdings profitable in the first quarter 2025?
Operating profit was $438K (15.1% of revenue) and net earnings $336K.
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR.