Filing Flows › Standard Premium Finance Holdings (SPFX) › Q4 2024
Standard Premium Finance Holdings (SPFX) Q4 2024 earnings results (fourth quarter 2024)
10-K filed Mar 10, 2025
Standard Premium Finance Holdings (SPFX) reported revenue of $3.1M for the fourth quarter 2024 (Q4 2024), +14% from a year earlier and +2% from the quarter before. Operating margin was 10.0%, net earnings $233K (7.5% of revenue).
Standard Premium Finance Holdings, Q4 2024: revenue $3.1M (+14% year over year), operating margin 10.0%, net earnings $233K, operating cash flow −$697K. The chart follows the revenue to costs, profit and cash.
| Q4 2024 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.1M | +2% | +14% |
| Operating profit | $313K | -23% | +36% |
| Net earnings | $233K | -22% | +37% |
| Operating cash flow | −$697K | — | — |
What changed
Revenue was $3.1M in Q4 2024, up 14% year over year and up 2% from the previous quarter. Finance Charges was the largest line at 87% of revenue.
Operating profit was $313K, a 10.0% margin (up 1.7 points year over year). Of the extra revenue versus a year earlier, 22% reached operating profit, above the 8% margin then. Total costs grew 12% against revenue growth of 14%. Net earnings were $233K, up 37% year over year. The effective tax rate was 25.6%.
Operating cash flow was −$697K. Non-cash charges added back $10K of depreciation. Working capital and other items used $940K. Capital expenditures of $12K exceeded it, leaving free cash flow of −$709K.
Questions
What was Standard Premium Finance Holdings' revenue in the fourth quarter 2024?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.1M for the fourth quarter 2024 (Q4 2024), +14% from a year earlier and +2% from the quarter before.
Was Standard Premium Finance Holdings profitable in the fourth quarter 2024?
Operating profit was $313K (10.0% of revenue) and net earnings $233K.
Source: Standard Premium Finance Holdings 10-K on SEC EDGAR.