Filing Flows › Standard Premium Finance Holdings (SPFX) › Q1 2026 › vs Q4 2025
Standard Premium Finance Holdings (SPFX) Q1 2026 vs Q4 2025 (quarter over quarter)
Standard Premium Finance Holdings's revenue rose $74K (+2%) from $3.2M in Q4 2025 to $3.3M in Q1 2026. The biggest changes: Finance charges +$78K (+3%); Late charges −$26K (-8%); Origination fees +$21K (+27%). Operating margin 17.0% against 13.4% (+3.5 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 Q4 2025, the increases inside each band.
Margins
| Q1 2026 | Q4 2025 | Change | |
|---|---|---|---|
| Operating margin | 17.0% | 13.4% | +3.5 pts |
| Net margin | 12.3% | 10.6% | +1.7 pts |
| Free cash flow margin | 68.6% | -38.6% | +107.2 pts |
Every line
| Line | Q1 2026 | Q4 2025 | Change | % |
|---|---|---|---|---|
| Finance charges | $2.9M | $2.8M | $78K | +3% |
| Late charges | $294K | $320K | −$26K | -8% |
| Origination fees | $102K | $80K | $21K | +27% |
| Revenue | $3.3M | $3.2M | $74K | +2% |
| Operating profit | $563K | $435K | $127K | +29% |
| Costs & expenses | $2.8M | $2.8M | −$53K | -2% |
| Pre-tax earnings | $563K | $435K | $127K | +29% |
| Net earnings | $408K | $344K | $64K | +19% |
| Income tax | $154K | $91K | $63K | +70% |
| Depreciation | $8K | $17K | −$9K | -52% |
| Share-based compensation | $1K | $4K | −$3K | -77% |
| Working capital & other | $1.9M | −$1.6M | $3.5M | — |
| Operating cash flow | $2.3M | −$1.2M | $3.5M | — |
| Free cash flow (OCF − capex) | $2.3M | −$1.3M | $3.5M | — |
| Capital expenditures | $28K | $33K | −$4K | -13% |
Questions
How much did Standard Premium Finance Holdings's revenue grow quarter over quarter in Q1 2026?
Standard Premium Finance Holdings's revenue rose $74K (+2%) from $3.2M in Q4 2025 to $3.3M in Q1 2026.
What drove Standard Premium Finance Holdings's revenue change in Q1 2026?
Finance charges +$78K (+3%); Late charges −$26K (-8%); Origination fees +$21K (+27%).