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BALCAO · MISCELLANEOUS BUSINESS CREDIT INSTITUTION · SMALL CAP

Standard Premium Finance Holdings, Inc. SPFX

6 fiscal years on record · USD · FY2025 reported · SEC filings only
$12.5M
▲ 2.7% YoY
$1.2M
▲ 23.9% YoY
$2.9M
▲ 61.0% YoY
In brief

What this company does

We are a specialized finance company that makes collateralized loans to businesses and individuals to finance the insurance premiums they pay on their commercial property and casualty insurance policies. We began our business in 1991 and are currently licensed to operate in thirty-seven states. We have developed relationships with insurance agents and brokers located in our market area who offer insurance premium loans as a service to their customers which we underwrite. Standard Premium commenced operations in 1991 for the specific purpose of providing financing for property and casualty insurance premiums. We have six employees who act as our marketing representatives in the field.

Written from the business description in Standard Premium Finance Holdings, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 20 March 2026. Every sentence was checked against that document before publication.

Growth
USD 12.5M
Revenue, FY2025 · full 6-year series below
Revenue $M Net income $M
FY2025 · Revenue 12.5 · Net income 1.2
5M10M202020212022202320242025
Compound annual growth
+15.2%
+14.1%
+14.6%
+12.0%
+11.4%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +14.1% a year over five years — but profit grew slower: net income at +12.0%.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
10 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 12.8% · Net 9.7%
5%10%15%202020212022202320242025
ROE
FY2025 · ROE 15.4%
10%20%202020212022202320242025
Gross margin—
Operating margin12.8%
Net margin9.7%
Return on assets1.7%
EBITDAUSD 1.6M

Each USD of equity produced 15 cents of profit this year.

Cash & shareholders
—
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 2.9
1M2M202020212022202320242025
Dividends paid—
Net buybacks—
Share of profit—
Consecutive raises—

Total assetsUSD 74.8M
EquityUSD 8.5M
CashUSD 10,970.00
Gross debtUSD 2.8M
Net debtUSD 2.8M
Current ratio1.26×

Net debt stands at 33% of equity.

The 6-year record
6 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 202520242023202220212020
Revenue $B0.00.00.00.00.00.0
Operating income $B0.00.00.00.00.00.0
EBITDA $B0.00.00.00.00.00.0
Income tax $B0.00.00.00.00.00.0
Net income $B0.00.00.00.00.00.0
Free cash flow $B0.00.00.00.00.00.0
EPS, diluted $0.290.240.130.210.28·
Dividend / sh $······
Payout %······
ROE %15.414.38.615.421.318.7
Shares out B0.000.000.000.000.000.00

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 23 reconciliationsAUDITED

Reconciled in 6 of 19 fiscal years. 53 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityMiscellaneous Business Credit Institution
Listed onOTC market
Incorporated inFlorida
Fiscal year endsDecember 31
SEC categoryemerging growth company, smaller reporting company
Data on record since2020

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