Filing Flows › Standard Premium Finance Holdings (SPFX) › Q3 2026
Standard Premium Finance Holdings (SPFX) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Standard Premium Finance Holdings (SPFX) reported revenue of $3.6M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +4% from the quarter before. Operating margin was 16.1%, net earnings $402K (11.2% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.6M | +4% | +11% |
| Operating profit | $576K | +17% | +54% |
| Net earnings | $402K | +7% | +46% |
| Operating cash flow | $2.0M | — | +551% |
| Free cash flow | $1.9M | — | +541% |
What changed
Revenue was $3.6M in Q3 2026, up 11% year over year and up 4% from the previous quarter. Finance charges was the largest line at 88% of revenue. Finance charges added $294K year over year (up 10%), 80% of the total change. Origination fees declined 2%.
Operating profit was $576K, a 16.1% margin (up 4.5 points year over year). Of the extra revenue versus Q3 2025, 55% reached operating profit, above the 12% margin then. Total costs grew 6% against revenue growth of 11%. Net earnings were $402K, up 46% year over year. The effective tax rate was 30.3%.
Operating cash flow was $2.0M (up 551% year over year), 487% of net earnings. Non-cash charges added back $12K of depreciation and $1K of share-based compensation. Working capital and other items added $1.5M. Capital expenditures of $30K left free cash flow of $1.9M.
Questions
What was Standard Premium Finance Holdings' revenue in the third quarter 2026?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.6M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +4% from the quarter before.
Was Standard Premium Finance Holdings profitable in the third quarter 2026?
Operating profit was $576K (16.1% of revenue) and net earnings $402K.
Source: Standard Premium Finance Holdings 10-Q on SEC EDGAR.