Filing Flows › Standard Premium Finance Holdings (SPFX) › Q4 2025
Standard Premium Finance Holdings (SPFX) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 20, 2026
Standard Premium Finance Holdings (SPFX) reported revenue of $3.2M for the fourth quarter 2025 (Q4 2025), +4% from a year earlier and +0.8% from the quarter before. Operating margin was 13.4%, net earnings $344K (10.6% of revenue).
Standard Premium Finance Holdings, Q4 2025: revenue $3.2M (+4% year over year), operating margin 13.4%, net earnings $344K, operating cash flow −$1.2M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $3.2M | +0.8% | +4% |
| Operating profit | $435K | +16% | +39% |
| Net earnings | $344K | +25% | +48% |
| Operating cash flow | −$1.2M | -505% | — |
What changed
Revenue was $3.2M in Q4 2025, up 4% year over year and up 1% from the previous quarter. Finance charges was the largest line at 88% of revenue.
Operating profit was $435K, a 13.4% margin (up 3.4 points year over year). Of the extra revenue versus Q4 2024, 100% reached operating profit, above the 10% margin then. Total costs fell 0% while revenue rose 4%. Net earnings were $344K, up 48% year over year. The effective tax rate was 20.9%.
Operating cash flow was −$1.2M. Non-cash charges added back $17K of depreciation and $4K of share-based compensation. Working capital and other items used $1.6M. Capital expenditures of $33K exceeded it, leaving free cash flow of −$1.3M.
Questions
What was Standard Premium Finance Holdings' revenue in the fourth quarter 2025?
Standard Premium Finance Holdings (SPFX) reported revenue of $3.2M for the fourth quarter 2025 (Q4 2025), +4% from a year earlier and +0.8% from the quarter before.
Was Standard Premium Finance Holdings profitable in the fourth quarter 2025?
Operating profit was $435K (13.4% of revenue) and net earnings $344K.
Source: Standard Premium Finance Holdings 10-K on SEC EDGAR.