Filing Flows › Standard Premium Finance Holdings (SPFX) › Q3 2026 › vs Q3 2025
Standard Premium Finance Holdings (SPFX) Q3 2026 vs Q3 2025 (year over year)
Standard Premium Finance Holdings's revenue rose $368K (+11%) from $3.2M in Q3 2025 to $3.6M in Q3 2026. The biggest changes: Finance charges +$294K (+10%); Late charges +$76K (+28%); Origination fees −$2K (-2%). Operating margin 16.1% against 11.6% (+4.5 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 16.1% | 11.6% | +4.5 pts |
| Net margin | 11.2% | 8.6% | +2.6 pts |
| Free cash flow margin | 53.7% | 9.3% | +44.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Finance charges | $3.1M | $2.9M | $294K | +10% |
| Late charges | $352K | $276K | $76K | +28% |
| Origination fees | $88K | $90K | −$2K | -2% |
| Revenue | $3.6M | $3.2M | $368K | +11% |
| Operating profit | $576K | $374K | $203K | +54% |
| Costs & expenses | $3.0M | $2.8M | $166K | +6% |
| Pre-tax earnings | $576K | $374K | $203K | +54% |
| Net earnings | $402K | $276K | $126K | +46% |
| Income tax | $175K | $98K | $77K | +79% |
| Depreciation | $12K | $10K | $2K | +23% |
| Share-based compensation | $1K | $4K | −$3K | -77% |
| Working capital & other | $1.5M | $10K | $1.5M | 147× |
| Operating cash flow | $2.0M | $301K | $1.7M | +551% |
| Free cash flow (OCF − capex) | $1.9M | $301K | $1.6M | +541% |
| Capital expenditures | $30K | $0 | $30K | — |
Questions
How much did Standard Premium Finance Holdings's revenue grow year over year in Q3 2026?
Standard Premium Finance Holdings's revenue rose $368K (+11%) from $3.2M in Q3 2025 to $3.6M in Q3 2026.
What drove Standard Premium Finance Holdings's revenue change in Q3 2026?
Finance charges +$294K (+10%); Late charges +$76K (+28%); Origination fees −$2K (-2%).