Filing Flows › Standard Premium Finance Holdings (SPFX) › Q1 2026 › vs Q1 2025
Standard Premium Finance Holdings (SPFX) Q1 2026 vs Q1 2025 (year over year)
Standard Premium Finance Holdings's revenue rose $420K (+15%) from $2.9M in Q1 2025 to $3.3M in Q1 2026. The biggest changes: Finance charges +$390K (+15%); Late charges +$19K (+7%); Origination fees +$11K (+13%). Operating margin 17.0% against 15.1% (+1.8 pts).
Standard Premium Finance Holdings, Q1 2026: revenue $3.3M (+14% year over year), operating margin 17.0%, net earnings $408K, operating cash flow $2.3M. The chart draws each line against Q1 2025, the increases inside each band.
Margins
| Q1 2026 | Q1 2025 | Change | |
|---|---|---|---|
| Operating margin | 17.0% | 15.1% | +1.8 pts |
| Net margin | 12.3% | 11.6% | +0.7 pts |
| Free cash flow margin | 68.6% | 79.3% | -10.7 pts |
Every line
| Line | Q1 2026 | Q1 2025 | Change | % |
|---|---|---|---|---|
| Finance charges | $2.9M | $2.5M | $390K | +15% |
| Late charges | $294K | $276K | $19K | +7% |
| Origination fees | $102K | $90K | $11K | +13% |
| Revenue | $3.3M | $2.9M | $420K | +15% |
| Operating profit | $563K | $438K | $124K | +28% |
| Costs & expenses | $2.8M | $2.5M | $296K | +12% |
| Pre-tax earnings | $563K | $438K | $124K | +28% |
| Net earnings | $408K | $336K | $72K | +22% |
| Income tax | $154K | $102K | $52K | +51% |
| Depreciation | $8K | $10K | −$2K | -17% |
| Share-based compensation | $1K | $0 | $1K | — |
| Working capital & other | $1.9M | $2.0M | −$65K | -3% |
| Operating cash flow | $2.3M | $2.3M | $7K | +0.3% |
| Free cash flow (OCF − capex) | $2.3M | $2.3M | −$21K | -0.9% |
| Capital expenditures | $28K | $1K | $27K | 32× |
Questions
How much did Standard Premium Finance Holdings's revenue grow year over year in Q1 2026?
Standard Premium Finance Holdings's revenue rose $420K (+15%) from $2.9M in Q1 2025 to $3.3M in Q1 2026.
What drove Standard Premium Finance Holdings's revenue change in Q1 2026?
Finance charges +$390K (+15%); Late charges +$19K (+7%); Origination fees +$11K (+13%).