Standard Premium Finance Holdings, Inc. (SPFX) — SEC Filings
Standard Premium Finance Holdings, Inc. (SPFX) — 21 SEC filings. Latest: DEFA14A (Apr 20, 2026). Includes 10 8-K, 6 10-Q, 2 DEF 14A.
View Standard Premium Finance Holdings, Inc. on SEC EDGAR
Overview
Standard Premium Finance Holdings, Inc. (SPFX) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Nov 12, 2025: STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX) reported a net income of $869,940 for the nine months ended September 30, 2025, a significant increase from $746,881 in the prior year, representing a 16.5% rise. Total revenues grew to $9,227,729 for the nine months ended September 30, 2025, up from $9
Sentiment Summary
Across 21 filings, the sentiment breakdown is: 1 bullish, 18 neutral, 2 mixed. The dominant filing sentiment for Standard Premium Finance Holdings, Inc. is neutral.
Filing Type Overview
Standard Premium Finance Holdings, Inc. (SPFX) has filed 1 DEFA14A, 10 8-K, 6 10-Q, 2 DEF 14A, 2 10-K with the SEC between Mar 2024 to Apr 2026.
Filings by Year
Recent SEC Filings (21)
Risk Profile
Risk Assessment: Of SPFX's 18 recent filings, 0 were flagged as high-risk, 7 as medium-risk, and 11 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $9,227,729 |
| Net Income | $869,940 |
| EPS | N/A |
| Debt-to-Equity | 8.28 |
| Cash Position | $1,186 |
| Operating Margin | N/A |
| Total Assets | $75,571,219 |
| Total Debt | $67,428,082 |
Key Executives
- William J. Koppelmann
- Margaret Ruiz
- John C. Leavitt
- Christopher Perrucci
- Carl C. Hoechner
Industry Context
Standard Premium Finance Holdings, Inc. operates in the niche market of premium financing, which facilitates the purchase of insurance policies by allowing policyholders to pay premiums in installments. This sector is sensitive to interest rate environments and the overall health of the insurance industry. Competition typically comes from other specialized finance companies and, to some extent, from insurance carriers offering direct payment plans.
Top Tags
10-Q (4) · Financial Services (3) · financials (3) · financial-reporting (3) · quarterly-report (3) · Premium Finance (2) · Earnings Growth (2) · 8-K (2) · filing (2) · corporate-governance (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Income | $869,940 | Increased 16.5% for the nine months ended September 30, 2025, from $746,881 in 2024. |
| Total Revenues | $9.23M | Increased to $9,227,729 for the nine months ended September 30, 2025, from $9,022,598 in 2024. |
| Premium Finance Contracts and Related Receivable, Net | $73.53M | Grew to $73,532,852 as of September 30, 2025, from $63,857,557 at December 31, 2024. |
| Allowance for Credit Losses | $2.16M | Increased to $2,159,237 at September 30, 2025, from $1,969,007 at December 31, 2024. |
| Net Cash Provided by Operating Activities | $4.10M | Significantly improved to $4,102,464 for the nine months ended September 30, 2025, from $2,539,673 in 2024. |
| Average Annual Interest Rate on New Contracts | 18.0% | Reflects the cost of financing for customers during the nine months ended September 30, 2025. |
| Line of Credit | $48.08M | Increased to $48,077,195 as of September 30, 2025, from $41,216,068 at December 31, 2024, funding operations. |
| Interest Expense (3 months) | $1.08M | Decreased to $1,081,687 for the three months ended September 30, 2025, from $1,153,662 in 2024. |
| Annual Meeting Date | November 7, 2025 | Date for electing directors and ratifying auditor |
| Record Date | September 8, 2025 | Date for determining stockholders entitled to vote |
| Common Stock Shares | 3,001,216 | Shares outstanding as of Record Date |
| Preferred Stock Shares | 166,000 | Shares outstanding as of Record Date |
| Total Voting Shares | 3,167,216 | Aggregate shares entitled to vote at Annual Meeting |
| Quorum Requirement | 35% | Percentage of shares needed for a quorum |
| Directors to be Elected | 3 | Number of directors for a three-year term until 2028 |
Frequently Asked Questions
What are the latest SEC filings for Standard Premium Finance Holdings, Inc. (SPFX)?
Standard Premium Finance Holdings, Inc. has 21 recent SEC filings from Mar 2024 to Apr 2026, including 10 8-K, 6 10-Q, 2 DEF 14A. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of SPFX filings?
Across 21 filings, the sentiment breakdown is: 1 bullish, 18 neutral, 2 mixed. The dominant sentiment is neutral.
Where can I find Standard Premium Finance Holdings, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Standard Premium Finance Holdings, Inc. (SPFX) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Standard Premium Finance Holdings, Inc.?
Key financial highlights from Standard Premium Finance Holdings, Inc.'s most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for SPFX?
The investment thesis for SPFX includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Standard Premium Finance Holdings, Inc.?
Key executives identified across Standard Premium Finance Holdings, Inc.'s filings include William J. Koppelmann, Margaret Ruiz, John C. Leavitt, Christopher Perrucci, Carl C. Hoechner.
What are the main risk factors for Standard Premium Finance Holdings, Inc. stock?
Of SPFX's 18 assessed filings, 0 were flagged high-risk, 7 medium-risk, and 11 low-risk.
What are recent predictions and forward guidance from Standard Premium Finance Holdings, Inc.?
Forward guidance and predictions for Standard Premium Finance Holdings, Inc. are extracted from SEC filings as they are enriched.