Filing Flows › Standard Premium Finance Holdings (SPFX) › Q3 2025
Standard Premium Finance Holdings (SPFX) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 12, 2025
Standard Premium Finance Holdings (SPFX) reported revenue of $3.2M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +3% from the quarter before. Operating margin was 11.6%, net earnings $276K (8.6% of revenue).
Standard Premium Finance Holdings, Q3 2025: revenue $3.2M (+5% year over year), operating margin 11.6%, net earnings $276K, operating cash flow $301K. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.2M | +3% | +5% |
| Operating profit | $374K | +8% | -8% |
| Net earnings | $276K | +7% | -8% |
| Operating cash flow | $301K | -80% | — |
What changed
Revenue was $3.2M in Q3 2025, up 5% year over year and up 3% from the previous quarter. Finance charges was the largest line at 89% of revenue. Finance charges added $169K year over year (up 6%), 119% of the total change. Late charges declined 8%.
Operating profit was $374K, a 11.6% margin (down 1.6 points year over year). Operating profit fell $33K even though revenue rose $142K versus a year earlier, so costs grew faster than sales. Total costs grew 7% against revenue growth of 5%. Net earnings were $276K, down 8% year over year. The effective tax rate was 26.1%.
Operating cash flow was $301K, 109% of net earnings. Non-cash charges added back $10K of depreciation and $4K of share-based compensation.
Questions
What was Standard Premium Finance Holdings' revenue in the third quarter 2025?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.2M for the third quarter 2025 (Q3 2025), +5% from a year earlier and +3% from the quarter before.
Was Standard Premium Finance Holdings profitable in the third quarter 2025?
Operating profit was $374K (11.6% of revenue) and net earnings $276K.
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR.