Quick answer: latest quarter results, by ticker or company name

Reported Q: Q4 2024 Rev YoY: +2.6% EPS YoY: +22.2% Move: +11.66%

Standard Premium Finance

SPFX

$2.30 11.66%

Exchange OTC Sector Financial Services Industry Financial Credit Services

Q4 2024

Published: Mar 10, 2025

Company Status Snapshot

Fast view of the latest quarter outcome for SPFX

Reported

Report Date

Mar 10, 2025

Quarter Q4 2024

Revenue

2.81M

YoY: +2.6%

EPS

0.04

YoY: +22.2%

Market Move

+11.66%

Previous quarter: Q3 2024

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Earnings Highlights

Revenue of $2.81M up 2.6% year-over-year
EPS of $0.04 increased by 22.2% from previous year
Gross margin of 54.2%
Net income of 233.11K
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SPFX

Company SPFX

Period Q4 2024

Currency USD

Report Type Quarterly Earnings

Generated Apr 1, 2026

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Executive Summary

Standard Premium Finance Holdings Inc (SPFX) reported Q4 2024 revenue of $2.8139 million, up 2.64% year-over-year but down 8.44% quarter-over-quarter. Gross profit was $1.526 million with a gross margin of 54.2%, and operating income reached $1.411 million, yielding an EBITDA of $1.411 million and a pre-tax income of $0.313 million. Net income totaled $0.233 million, or $0.0595 per share (basic), with diluted EPS of $0.0432. On a YoY basis, net income rose about 36.7%, while QoQ it declined about 22.5%.

Key Performance Indicators

Revenue

Increasing

2.81M

QoQ: -8.44% | YoY: 2.64%

Gross Profit

Decreasing

1.53M

54.24% margin

QoQ: -46.42% | YoY: -35.72%

Operating Income

Decreasing

1.41M

QoQ: 246.52% | YoY: -13.13%

Net Income

Increasing

233.11K

QoQ: -22.46% | YoY: 36.68%

EPS

Increasing

0.06

QoQ: -35.19% | YoY: 22.18%

Revenue Trend

Margin Analysis

Financial Highlights

Revenue: $2.8139M (YoY +2.64%, QoQ -8.44%). Gross Profit: $1.526M (margin 54.2%, YoY -35.72%, QoQ -46.42%). Operating Income: $1.411M (YoY -13.13%, QoQ +246.52%). Net Income: $0.233M (YoY +36.68%, QoQ -22.46%). EPS: $0.0595 (basic), $0.0432 (diluted) (YoY +22.18%, QoQ -35.19%). EBITDA: $1.409M (margin 50.1%). Net cash provided by operating activities: $(0.697)M. Free cash flow: $(0.709)M. Cash at end of period: $1,716. Total assets: $65.85M; total liabilities: $58.50M; total stockholders’ equity: $7.35M. Current ratio: 1.31; Debt to capitalization: 0.88; Interest coverage: 1.10. Net debt: $53.85M; Long-term investments: $62.80M; cash and cash equivalents: $1.7K. Revenue drivers indicate a modest top-line expansion, but cash flow generation remains a key constraint.

Income Statement

Metric	Value	YoY Change	QoQ Change
Revenue	2.81M	2.64%	-8.44%
Gross Profit	1.53M	-35.72%	-46.42%
Operating Income	1.41M	-13.13%	246.52%
Net Income	233.11K	36.68%	-22.46%
EPS	0.06	22.18%	-35.19%

Key Financial Ratios

Gross Profit Margin

Good

54.20%

Gross profit margin is healthy and competitive within industry standards

Operating Profit Margin

Excellent

50.10%

Operating margin is exceptional, indicating strong pricing power and operational efficiency

Net Profit Margin

Fair

8.28%

Net profit margin is moderate, room for improvement in cost management

Return on Assets

Weak

0.35%

Return on assets suggests inefficient capital allocation

Return on Equity

Weak

3.17%

Return on equity suggests inefficient capital allocation

Current Ratio

Adequate

1.31

Current ratio meets minimum requirements but limited cushion

Debt to Equity

High Risk

7.33

Debt-to-equity indicates high leverage and elevated financial risk

P/E Ratio

Value

6.05x

P/E ratio suggests potential undervaluation or stable earnings

Price to Book

Undervalued

0.77x

Trading below book value, potential value opportunity or distressed

Historical Earnings Comparison

Period	Revenue ($M)	EPS ($)	YoY Growth	Report
Q1 2025	2.48	0.08	-12.3%	View
Q4 2024	2.81	0.04	+2.6%	View
Q3 2024	3.07	0.07	+201.0%	View
Q2 2024	3.12	0.09	+222.3%	View
Q1 2024	2.83	0.03	+235.3%	View

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Standard Premium Finance Holdings Inc (SPFX) QQ1 2024 Earnings Analysis: Robust Gross Margin in Niche Insurance Premium Financing Amid Elevated Levera...

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Standard Premium Finance (SPFX) Q4 2024 Earnings Report

Company Status Snapshot

Earnings Highlights

Executive Summary

Key Performance Indicators

Revenue Trend

Margin Analysis

Historical Earnings Comparison

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