Filing Flows › Standard Premium Finance Holdings (SPFX) › Q3 2026 › vs Q2 2026
Standard Premium Finance Holdings (SPFX) Q3 2026 vs Q2 2026 (quarter over quarter)
Standard Premium Finance Holdings's revenue rose $122K (+4%) from $3.5M in Q2 2026 to $3.6M in Q3 2026. The biggest changes: Finance charges +$85K (+3%); Late charges +$44K (+14%); Origination fees −$6K (-7%). Operating margin 16.1% against 14.2% (+1.9 pts).
Standard Premium Finance Holdings, Q3 2026: revenue $3.6M (+12% year over year), operating margin 16.1%, net earnings $402K, operating cash flow $2.0M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 16.1% | 14.2% | +1.9 pts |
| Net margin | 11.2% | 10.9% | +0.4 pts |
| Free cash flow margin | 53.7% | -1.9% | +55.7 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Finance charges | $3.1M | $3.1M | $85K | +3% |
| Late charges | $352K | $308K | $44K | +14% |
| Origination fees | $88K | $94K | −$6K | -7% |
| Revenue | $3.6M | $3.5M | $122K | +4% |
| Operating profit | $576K | $492K | $85K | +17% |
| Costs & expenses | $3.0M | $3.0M | $38K | +1% |
| Pre-tax earnings | $576K | $492K | $85K | +17% |
| Net earnings | $402K | $376K | $26K | +7% |
| Income tax | $175K | $116K | $59K | +50% |
| Depreciation | $12K | $9K | $3K | +33% |
| Share-based compensation | $1K | $1K | $0 | 0% |
| Working capital & other | $1.5M | −$454K | $2.0M | — |
| Operating cash flow | $2.0M | −$69K | $2.0M | — |
| Free cash flow (OCF − capex) | $1.9M | −$67K | $2.0M | — |
| Capital expenditures | $30K | −$2K | $32K | — |
Questions
How much did Standard Premium Finance Holdings's revenue grow quarter over quarter in Q3 2026?
Standard Premium Finance Holdings's revenue rose $122K (+4%) from $3.5M in Q2 2026 to $3.6M in Q3 2026.
What drove Standard Premium Finance Holdings's revenue change in Q3 2026?
Finance charges +$85K (+3%); Late charges +$44K (+14%); Origination fees −$6K (-7%).