Standard Premium Finance Holdings, Inc.

Standard Premium Finance Holdings, Inc.

SPFX
Standard Premium Finance Holdings, Inc.US flagOther OTC
1.83
USD
-0.12
- -
5.49MMarket Cap
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.99
1.11
1.42
1.37
1.37
4.13
- -
4.3
Basic EPS, GAAP
0.16
0.22
0.28
0.25
0.14
0.29
- -
0.39
Free Cash Flow per Basic Share
-1.59
0.44
0.7
0.54
0.9
0.6
- -
0.94
Dividend per Share
0.03
0.02
0.02
0.03
0.04
0.04
- -
0.04
Book Value per Share
0.14
0.36
0.64
0.88
1.03
1.31
- -
1.73
Tangible Book Value per Share
1.06
1.27
1.56
2.05
2.2
2.5
- -
2.9
Basic Weighted Avg Shares
3
3
3
3
3
3
- -
3
Sales/Revenue/Turnover
3
3
4
4
4
12
12
13
Operating Margin (%)
- -
- -
- -
- -
- -
10.87
12.77
13.32
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
1
1
1
1
1
1
1
Effective Tax Rate (%)
19.94
29.69
26.13
20.37
25.32
25.77
23.76
25.08
Profit Margin (%)
17.21
21.41
21.23
20.3
13.37
8.07
9.74
9.98
Working Capital
- -
- -
- -
- -
- -
15
15
17
LT Debt
6
6
6
8
7
9
8
10
Total Equity
3
4
5
6
6
7
8
9
Return on Invested Capital (%)
- -
- -
- -
- -
- -
1.66
1.9
1.92
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
87.03
55.73
32.44
14.99
25.28
24.96
25.04

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
53
54
57
LT Borrowings
8
8
10
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
5
6
7

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
74
73
81
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
74
73
79
Inventories
- -
- -
- -
Total Current Liabilities
60
58
64
Payables & Accruals
6
5
7
ST Debt
53
54
57
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
18.37%
15.08%
Free Cash Flow
- -
26.34%
60.97%
Net Income, GAAP
- -
18.69%
23.87%
Sales/Revenue/Turnover
- -
46.54%
2.69%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1
3
3
2
12
2025
3
3
3
3
12
2026
3
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.03
0.11
0.09
- -
0.29
2025
0.1
0.08
0.08
- -
- -
2026
0.13
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.01
- -
0.01
- -
0.04
2025
0.01
0.01
0.01
- -
- -
2026
0.01
- -
- -
- -
- -

Company Description

APIChat
CEO
William J. Koppelmann
Full Time Employees
23
Sector
Financial Services
Industry
Financial - Credit Services
Address
13590 SW 134th Avenue Miami FL United States of America 33186
IPO Date
Jun 29, 2022
Business
Standard Premium Finance Holdings, Inc. (OTCQX: SPFX) is a specialty finance holding company that provides collateralized loans to businesses and individuals to finance premiums on their commercial property and casualty insurance policies; offers tailored premium financing solutions through its subsidiary Standard Premium Finance Management Corporation; and pursues mergers and acquisitions of synergistic businesses to leverage economies of scale in the consolidating insurance premium finance sector. The company delivers these services via state-of-the-art technology platforms enabling seamless account management for clients including independent agents, wholesale brokers, managing general agents, and insurance companies. Headquartered in Miami, Florida, with over 34 years of operations, Standard Premium Finance Holdings serves customers across more than 40 states throughout the United States and has originated over $1.5 billion in loans, including $140 million to $149 million annually in recent years. In September 2025, the company closed a $115 million revolving credit facility syndicated by First Horizon Bank with participation from Flagstar Bank and Cadence Bank, more than doubling its prior $50 million facility at a lower interest rate to support growth and strategic initiatives. In December 2025, Standard Premium strengthened its national footprint by securing new state licenses, expanding operations to 40 states. Earlier in 2025, it announced a $250,000 stock repurchase program following record profitability in fiscal 2024 and strong Q1 results, alongside reporting fiscal 2024 loan originations up 14% year-over-year. These developments underscore the company's focus on enhancing liquidity, geographic expansion, and shareholder value amid rising demand for flexible premium financing.

Company News

APIChat
  • Standard Premium Reports Record-Breaking First Quarter Results, Driven by a 21% Increase in Earnings, 22% Return on Equity and Expanded National Footprint

  • Standard Premium Celebrates 35 Years of Growth and Expansion Nationwide

  • Standard Premium Announces Stock Repurchase Following Strong 2025 Financial Performance

  • Standard Premium to Present Strategic Priorities and Growth Trajectory at 2026 Annual Shareholders Meeting

  • Standard Premium Reports Strong 2025 Fiscal Year Results with 24% Net Income Growth and Portfolio Expansion

  • Standard Premium Finance Holdings, Inc. Presenting at NIBA's 152nd Investment Conference in Fort Lauderdale, FL March 12, 2026

  • Standard Premium Finance to Present at the 152nd National Investment Banking Association Investment Conference

  • Standard Premium Finance Holdings to Highlight Growth Momentum and Strategic Outlook at DealFlow Discovery Conference

  • Standard Premium Finance Holdings, Inc. Presenting at the 3rd Annual DealFlow Discovery Conference

  • Standard Premium Forecasts 2026 Industry Trends, Market Outlook for Insurance Premium Finance and Performance Objectives Amid Continued Growth

  • Standard Premium Strengthens National Presence to Forty States with New License Approvals

  • Standard Premium Reports Strong Q3 Results Driven by Continued Portfolio Growth and Increased Originations

  • Standard Premium Finance Holdings to Highlight Growth Momentum and Strategic Outlook at 2025 Annual Shareholder Meeting

  • Standard Premium Secures $115 Million Credit Agreement to Drive Continued Growth

  • Standard Premium Expands Stock Repurchase Program Following Strong Q2 Results

  • Standard Premium Delivers Strong Q2 Performance Highlighting Enhanced Efficiency and Company Growth

  • Standard Premium Finance Holdings Increases Line of Credit with First Horizon Bank to Support Ongoing Growth

  • Standard Premium Finance Holdings Positioned as Safe Haven Amid Rising Tariff Pressures

  • Standard Premium Finance Holdings Announces $250,000 Stock Repurchase Program

  • Standard Premium Reports Record Profitability for FY 2024 and Q1 2025, Signaling Continued Growth