SPFXOTCMiscellaneous Business Credit InstitutionFiscal year ends December 31
STANDARD PREMIUM FINANCE HOLDINGS, INC.
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-Q on Aug 10, 2026
$3.15+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $13.15M
- P/E (TTM)
- 10.9
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2019 to 2025
Net margin
9.7%−0.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +2.7% | +15.2% | +14.1% | – | |
| Net income | +23.9% | +14.6% | +12.0% | – | |
| EPS, diluted | +20.8% | +11.4% | – | – | |
| Free cash flow | +61.0% | +21.8% | +17.5% | – |
Returns and balance sheet
7 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2019 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | 20.3% | 15.4% | |
| Return on assets | – | – | 1.7% | |
| Current ratio | – | 1.27 | 1.26 | |
| Debt to equity | – | 1.04 | 0.74 | |
| Capex to revenue | – | 0.3% | 0.3% | |
| Diluted shares | – | – | 4M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Standard Premium Finance generated $11.10M from operations and spent $253.54K on capital expenditure, dividends and share buybacks. 100% of that went back into the business.
Generated
$11.10M
Used
$253.54K
Capital expenditure$253.54K100%Dividends$00%Share buybacks$00%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin9.7%
×Asset turnover0.18×
×Equity multiplier8.90×
=Return on equity, FY202515.4%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 9.7% | 0.18× | 8.90× | 15.4% |
| FY2024 | 8.1% | 0.19× | 9.33× | 14.3% |
| FY2023 | 5.5% | 0.17× | 9.22× | 8.6% |
| FY2022 | 9.9% | 0.16× | 9.54× | 15.4% |
| FY2021 | 11.4% | 0.17× | 10.87× | 21.3% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 8 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$1.21M
- Cash generatingOperating cash flow above zero$2.88M
- Return on assets improvedROA up on the prior year1.6% → 1.8%
- Earnings backed by cashOperating cash flow above net income$2.88M vs $1.21M
- Less leverageLong-term debt to assets fell8.2% → 8.4%
- Better liquidityCurrent ratio rose1.29 → 1.26
- No dilutionShare count did not rise4M → 4M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.19 → 0.19