SPFX
Standard Premium Finance Holdings, Inc.
Price Chart
Latest Quote
$1.83
+0.00 (+0.00%)
Current Price
| Previous Close | $1.83 |
| Open | $1.85 |
| Day High | $1.85 |
| Day Low | $1.81 |
| Volume | 611 |
Stock Information
| Shares Outstanding | 2.93M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $5.49M |
| P/E Ratio | 5.90 |
| EPS (TTM) | $0.31 |
| Exchange | OQX |
đ Comprehensive Analysis
Company Data
Financial Ratios
Returns & Margins
Ownership
| Insider Ownership | 59.51% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $2.06 |
| SMA50 | $2.23 |
| SMA200 | $1.96 |
| RSI | 28.43 |
| ATR | 0.0807 |
Performance History
| Week | -12.86% |
| Month | -29.62% |
| Quarter | -5.19% |
| 6 Months | -6.64% |
| YTD | -12.86% |
| Year | -4.19% |
| 3 Years | -48.45% |
| 10 Years | -59.34% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-12 | $1.83 | 0 |
| 2026-06-11 | $1.83 | 0 |
| 2026-06-10 | $1.83 | 0 |
| 2026-06-09 | $1.83 | 100 |
| 2026-06-08 | $1.84 | 220 |
| 2026-06-05 | $2.10 | 0 |
| 2026-06-04 | $2.10 | 500 |
| 2026-06-03 | $1.83 | 0 |
| 2026-06-02 | $1.83 | 275 |
| 2026-06-01 | $1.95 | 0 |
| 2026-05-29 | $1.95 | 0 |
| 2026-05-28 | $1.95 | 1,255 |
| 2026-05-27 | $1.95 | 400 |
| 2026-05-26 | $2.24 | 0 |
| 2026-05-22 | $2.24 | 550 |
| 2026-05-21 | $2.25 | 350 |
| 2026-05-20 | $2.25 | 0 |
| 2026-05-19 | $2.25 | 1,300 |
| 2026-05-18 | $2.60 | 0 |
| 2026-05-15 | $2.60 | 0 |
About Standard Premium Finance Holdings, Inc.
Standard Premium Finance Holdings, Inc. operates as an insurance premium financing company in the United States. It offers collateralized loans to small- and medium-sized businesses and individuals to finance the insurance premiums they pay on their commercial property and casualty insurance policies. Standard Premium Finance Holdings, Inc. was founded in 1991 and is based in Miami, Florida.
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $5,349,923 | $3,981,276 | $3,970,267 | $4,128,093 |
| Operating Revenue | $5,349,923 | $3,981,276 | $3,970,267 | $4,128,093 |
| Expenses | ||||
| Interest Expense | $5,343,544 | $4,590,988 | $3,209,280 | $2,534,705 |
| General And Administrative Expense | $2,289,568 | $1,891,637 | $1,739,010 | $1,749,599 |
| Professional Expense And Contract Services Expense | $372,162 | $310,951 | $374,144 | $350,145 |
| Other Non Interest Expense | $113,529 | $114,980 | $110,752 | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $979,993 | $532,402 | $806,131 | $876,323 |
| Net Interest Income | $6,799,599 | $5,132,022 | $4,947,257 | $5,130,038 |
| Interest Income | $12,143,143 | $9,723,010 | $8,156,537 | $7,664,743 |
| Normalized Income | $979,993 | $532,402 | $806,131 | $876,323 |
| Net Income From Continuing And Discontinued Operation | $979,993 | $532,402 | $806,131 | $876,323 |
| Net Income Common Stockholders | $863,793 | $416,202 | $716,940 | $807,023 |
| Net Income | $979,993 | $532,402 | $806,131 | $876,323 |
| Net Income Including Noncontrolling Interests | $979,993 | $532,402 | $806,131 | $876,323 |
| Net Income Continuous Operations | $979,993 | $532,402 | $806,131 | $876,323 |
| Pretax Income | $1,320,139 | $712,893 | $1,012,321 | $1,186,330 |
| Special Income Charges | - | - | $-734,040 | $-842,019 |
| Per Share | ||||
| Diluted EPS | $0.24 | $0.13 | $0.21 | $0.28 |
| Basic EPS | $0.29 | $0.14 | $0.25 | $0.28 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $6,830,472 | $5,457,996 | $4,360,725 | $3,858,148 |
| Reconciled Depreciation | $166,789 | $154,115 | $139,124 | $137,113 |
| EBITDA (Bullshit earnings) | $6,830,472 | $5,457,996 | $4,360,725 | $3,858,148 |
| EBIT | $6,663,683 | $5,303,881 | $4,221,601 | $3,721,035 |
| Diluted Average Shares | $4,050,262 | $3,294,511 | $3,407,949 | $2,905,016 |
| Basic Average Shares | $2,942,797 | $2,905,016 | $2,905,016 | $2,905,016 |
| Diluted NI Availto Com Stockholders | $863,793 | $416,202 | $716,940 | $807,023 |
| Preferred Stock Dividends | $116,200 | $116,200 | $89,191 | $69,300 |
| Tax Provision | $340,146 | $180,491 | $206,190 | $310,007 |
| Selling General And Administration | $2,289,568 | $1,891,637 | $1,739,010 | $1,749,599 |
| Insurance And Claims | $170,959 | $124,484 | $181,787 | $166,810 |
| Salaries And Wages | $2,118,609 | $1,767,153 | $1,557,223 | $1,471,547 |
| Total Unusual Items | - | - | $-734,040 | $-842,019 |
| Total Unusual Items Excluding Goodwill | - | - | $-734,040 | $-842,019 |
| Write Off | - | - | $734,040 | $842,019 |
| Other Gand A | - | - | $110,752 | $111,242 |
| Impairment Of Capital Assets | - | - | - | $842,019 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $7,351,697 | $6,396,844 | $5,952,442 | $4,534,779 |
| Total Assets | $65,846,983 | $62,375,385 | $51,488,807 | $48,518,200 |
| Receivables | $1,059,085 | $804,131 | $645,648 | $793,869 |
| Cash Cash Equivalents And Short Term Investments | $1,716 | $45,239 | $421,211 | $20,987 |
| Cash And Cash Equivalents | $1,716 | $45,239 | $421,211 | $20,987 |
| Cash Financial | $1,716 | $45,239 | $421,211 | $20,987 |
| Cash Cash Equivalents And Federal Funds Sold | $1,716 | $45,239 | $421,211 | $20,987 |
| Other Receivables | - | $-3,666,507 | $-2,696,695 | $-2,625,423 |
| Accounts Receivable | - | $63,602,075 | $51,525,950 | $48,505,827 |
| Prepaid Assets | - | - | $348,795 | $538,139 |
| Debt | ||||
| Net Debt | $53,621,015 | $51,575,500 | $41,720,111 | $40,220,764 |
| Total Debt | $53,853,242 | $51,742,138 | $42,390,782 | $40,535,615 |
| Long Term Debt And Capital Lease Obligation | $8,142,003 | $6,550,935 | $8,000,660 | $6,371,216 |
| Long Term Debt | $8,039,597 | $6,493,296 | $7,886,248 | $6,194,089 |
| Current Debt And Capital Lease Obligation | $45,711,239 | $45,191,203 | $34,390,122 | $34,164,399 |
| Current Debt | $45,583,134 | $45,127,443 | $34,255,074 | $34,047,662 |
| Other Current Borrowings | $45,705 | $92,785 | $91,852 | $271,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $58,495,286 | $55,978,541 | $45,536,365 | $43,983,421 |
| Current Notes Payable | $3,992,940 | $2,491,400 | $1,449,597 | $3,147,023 |
| Payables And Accrued Expenses | $2,080,810 | $2,681,359 | $1,827,884 | $1,935,278 |
| Payables | $2,080,810 | $2,681,359 | $1,827,884 | $1,935,278 |
| Accounts Payable | $2,080,810 | $2,681,359 | $1,827,884 | $1,935,278 |
| Equity | ||||
| Common Stock Equity | $7,351,531 | $6,396,678 | $5,952,276 | $4,534,680 |
| Preferred Stock Equity | $166 | $166 | $166 | $99 |
| Total Equity Gross Minority Interest | $7,351,697 | $6,396,844 | $5,952,442 | $4,534,779 |
| Stockholders Equity | $7,351,697 | $6,396,844 | $5,952,442 | $4,534,779 |
| Retained Earnings | $3,845,715 | $2,981,922 | $2,565,720 | $1,848,780 |
| Other | ||||
| Ordinary Shares Number | $3,001,216 | $2,905,016 | $2,905,016 | $2,905,016 |
| Share Issued | $3,001,216 | $2,905,016 | $2,905,016 | $2,905,016 |
| Tangible Book Value | $7,351,531 | $6,396,678 | $5,952,276 | $4,534,680 |
| Invested Capital | $60,974,262 | $58,017,417 | $48,093,598 | $44,776,431 |
| Capital Lease Obligations | $230,511 | $121,399 | $249,460 | $293,864 |
| Total Capitalization | $15,391,294 | $12,890,140 | $13,838,690 | $10,728,868 |
| Additional Paid In Capital | $3,502,815 | $3,411,851 | $3,383,651 | $2,682,995 |
| Capital Stock | $3,167 | $3,071 | $3,071 | $3,004 |
| Common Stock | $3,001 | $2,905 | $2,905 | $2,905 |
| Preferred Stock | $166 | $166 | $166 | $99 |
| Long Term Capital Lease Obligation | $102,406 | $57,639 | $114,412 | $177,127 |
| Current Capital Lease Obligation | $128,105 | $63,760 | $135,048 | $116,737 |
| Line Of Credit | $41,544,489 | $42,543,258 | $32,713,625 | $30,629,639 |
| Net PPE | $362,706 | $242,004 | $351,918 | $377,924 |
| Accumulated Depreciation | $-245,546 | $-263,817 | $-244,808 | $-224,338 |
| Gross PPE | $608,252 | $505,821 | $596,726 | $602,262 |
| Leases | $116,811 | $116,811 | $116,811 | $116,811 |
| Other Properties | $395,276 | $275,385 | $376,941 | $381,997 |
| Machinery Furniture Equipment | $96,165 | $113,625 | $102,974 | $103,454 |
| Current Accrued Expenses | - | $1,555,044 | $1,317,699 | $1,512,528 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,770,624 | $2,621,521 | $1,575,963 | $2,028,993 |
| Operating Activities | ||||
| Operating Cash Flow | $1,842,351 | $2,684,239 | $1,624,710 | $2,065,922 |
| Cash Flow From Continuing Operating Activities | $1,842,351 | $2,684,239 | $1,624,710 | $2,065,922 |
| Operating Gains Losses | $14,100 | $28,200 | $32,845 | $43,944 |
| Investing Activities | ||||
| Capital Expenditure | $-71,727 | $-62,718 | $-48,747 | $-36,929 |
| Investing Cash Flow | $-4,475,818 | $-12,306,233 | $-3,622,856 | $-8,596,866 |
| Cash Flow From Continuing Investing Activities | $-4,475,818 | $-12,306,233 | $-3,622,856 | $-8,596,866 |
| Net Other Investing Changes | $-4,423,662 | $-12,262,032 | $-3,578,609 | $-8,559,937 |
| Financing Activities | ||||
| Financing Cash Flow | $2,589,944 | $9,246,022 | $2,398,370 | $6,074,642 |
| Cash Flow From Continuing Financing Activities | $2,589,944 | $9,246,022 | $2,398,370 | $6,074,642 |
| Cash Dividends Paid | $-116,200 | $-116,200 | $-89,191 | $-69,300 |
| Preferred Stock Dividend Paid | $-116,200 | $-116,200 | - | - |
| Issuance Of Capital Stock | - | $0 | $400,000 | $0 |
| Net Preferred Stock Issuance | - | $0 | $400,000 | $0 |
| Preferred Stock Issuance | - | $0 | $400,000 | $0 |
| Net Other Financing Charges | - | - | $45 | - |
| Other | ||||
| Repayment Of Debt | $-275,885 | $-902,922 | $-536,783 | $-103,291 |
| Issuance Of Debt | $3,982,374 | $540,212 | $610,511 | $1,414,047 |
| Interest Paid Supplemental Data | $4,448,909 | $3,704,469 | $2,201,574 | $1,731,968 |
| Income Tax Paid Supplemental Data | $383,842 | $78,046 | $395,240 | $365,248 |
| End Cash Position | $1,716 | $45,239 | $421,211 | $20,987 |
| Beginning Cash Position | $45,239 | $421,211 | $20,987 | $477,289 |
| Changes In Cash | $-43,523 | $-375,972 | $400,224 | $-456,302 |
| Net Issuance Payments Of Debt | $2,706,144 | $9,362,222 | $2,087,516 | $6,143,942 |
| Net Short Term Debt Issuance | $-1,000,345 | $9,724,932 | $2,013,788 | $4,833,186 |
| Net Long Term Debt Issuance | $3,706,489 | $-362,710 | $73,728 | $1,310,756 |
| Long Term Debt Payments | $-275,885 | $-902,922 | $-536,783 | $-103,291 |
| Long Term Debt Issuance | $3,982,374 | $540,212 | $610,511 | $1,414,047 |
| Net PPE Purchase And Sale | $-52,156 | $-44,201 | $-44,247 | $-36,929 |
| Sale Of PPE | $19,571 | $18,517 | $4,500 | $0 |
| Purchase Of PPE | $-71,727 | $-62,718 | $-48,747 | $-36,929 |
| Change In Working Capital | $-574,632 | $914,006 | $-157,628 | $23,543 |
| Change In Other Current Liabilities | $-113,057 | $-115,567 | $-103,585 | $-101,806 |
| Change In Payables And Accrued Expense | $-240,370 | $1,090,820 | $-302,223 | $366,580 |
| Change In Accrued Expense | $360,179 | $237,345 | $-194,829 | $302,267 |
| Change In Payable | $-600,549 | $853,475 | $-107,394 | $64,313 |
| Change In Prepaid Assets | $-107,205 | $41,589 | $189,344 | $-154,231 |
| Other Non Cash Items | $1,576 | $104,701 | $70,198 | $142,980 |
| Depreciation Amortization Depletion | $166,789 | $154,115 | $139,124 | $137,113 |
| Depreciation And Amortization | $166,789 | $154,115 | $139,124 | $137,113 |
| Depreciation | $166,789 | $154,115 | $139,124 | $137,113 |
| Net Income From Continuing Operations | $979,993 | $532,402 | $806,131 | $876,323 |
| Change In Account Payable | - | $237,345 | $-194,829 | $302,267 |
| Gain Loss On Sale Of PPE | - | $0 | $2,167 | $0 |
| Change In Receivables | - | - | - | $-8,516,366 |
Fetched: 2026-02-02