Filing Flows › Standard Premium Finance Holdings (SPFX) › Q1 2026
Standard Premium Finance Holdings (SPFX) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 11, 2026
Standard Premium Finance Holdings (SPFX) reported revenue of $3.3M for the first quarter 2026 (Q1 2026), +15% from a year earlier and +2% from the quarter before. Operating margin was 17.0%, net earnings $408K (12.3% of revenue).
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 follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.3M | +2% | +15% |
| Operating profit | $563K | +29% | +28% |
| Net earnings | $408K | +19% | +22% |
| Operating cash flow | $2.3M | — | +0.3% |
| Free cash flow | $2.3M | — | -0.9% |
What changed
Revenue was $3.3M in Q1 2026, up 15% year over year and up 2% from the previous quarter. Finance charges was the largest line at 88% of revenue. Finance charges added $390K year over year (up 15%), 93% of the total change.
Operating profit was $563K, a 17.0% margin (up 1.8 points year over year). Of the extra revenue versus Q1 2025, 30% reached operating profit, above the 15% margin then. Total costs grew 12% against revenue growth of 15%. Net earnings were $408K, up 22% year over year. The effective tax rate was 27.5%.
Operating cash flow was $2.3M (roughly flat year over year), 565% of net earnings. Non-cash charges added back $8K of depreciation and $1K of share-based compensation. Working capital and other items added $1.9M. Capital expenditures of $28K left free cash flow of $2.3M.
Questions
What was Standard Premium Finance Holdings' revenue in the first quarter 2026?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.3M for the first quarter 2026 (Q1 2026), +15% from a year earlier and +2% from the quarter before.
Was Standard Premium Finance Holdings profitable in the first quarter 2026?
Operating profit was $563K (17.0% of revenue) and net earnings $408K.
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR.