Filing Flows › Standard Premium Finance Holdings (SPFX) › Q2 2025
Standard Premium Finance Holdings (SPFX) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 12, 2025
Standard Premium Finance Holdings (SPFX) reported revenue of $3.1M for the second quarter 2025 (Q2 2025), -0.1% from a year earlier and +8% from the quarter before. Operating margin was 11.1%, net earnings $258K (8.3% of revenue).
Standard Premium Finance Holdings, Q2 2025: revenue $3.1M (-0.1% year over year), operating margin 11.1%, net earnings $258K, operating cash flow $1.5M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.1M | +8% | -0.1% |
| Operating profit | $345K | -21% | -21% |
| Net earnings | $258K | -23% | -21% |
| Operating cash flow | $1.5M | -34% | -57% |
What changed
Revenue was $3.1M in Q2 2025, roughly flat year over year and up 8% from the previous quarter. Finance charges was the largest line at 88% of revenue. Late charges lost $43K year over year (down 14%), 1242% of the total change.
Operating profit was $345K, a 11.1% margin (down 2.9 points year over year). Total costs grew 3% against flat revenue. Net earnings were $258K, down 21% year over year. The effective tax rate was 25.3%.
Operating cash flow was $1.5M (down 57% year over year), 583% of net earnings. Non-cash charges added back $10K of depreciation. Working capital and other items added $1.2M.
Questions
What was Standard Premium Finance Holdings' revenue in the second quarter 2025?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.1M for the second quarter 2025 (Q2 2025), -0.1% from a year earlier and +8% from the quarter before.
Was Standard Premium Finance Holdings profitable in the second quarter 2025?
Operating profit was $345K (11.1% of revenue) and net earnings $258K.
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR.