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Standard Premium Finance(OTC) SPFX

Market Cap$8.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2022)-29%
5 YearN/A
1 Year+122%
1 Month+2%
$3.20
+8.48%
+0.25Today
Standard Premium Finance last closing stock price
MetricPriceDate
Last closeUSD 3.202026-08-31
Standard Premium Finance stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+6.67%USD 3.002026-08-24
1 month+1.59%USD 3.152026-07-31
3 month+74.87%USD 1.832026-06-02
Year to date+52.38%USD 2.102025-12-31
1 year+122.22%USD 1.442025-08-29
3 year-36%USD 5.002023-09-01
Since inception-28.89%USD 4.502022-06-29

Standard Premium Finance Financials at a Glance

Market Cap

$8.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$13.24M

Net Income (TTM)

$1.40M

EPS (TTM)

$0.35

P/E Ratio

8.55

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$3.20

Volume

2,290

Open

$3.24

Previous Close

$3.20

Daily Range

$3.11 - $3.24

52-Week Range

$1.21 - $3.25

Estimated Earnings Date

Mar 31, 2023

SPFX News

No articles available.

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About Standard Premium Finance

Standard Premium Finance helps businesses pay insurance bills over time. It offers short-term loans to cover commercial insurance premiums. This service supports cash flow for small and medium companies needing property or liability coverage.

Products and Services

  • Premium Finance Loans: Collateralized loans for commercial property and casualty insurance; 88% of 2025 revenue.
  • Late Charge Fees: Charges for overdue loan payments; 9.1% of 2025 revenue.
  • Origination Fees: Upfront fees for setting up new loans; 2.9% of 2025 revenue.
  • Online Broker Portal: Digital platform for agents to manage quotes and agreements.
  • Broker Rewards Program: Incentives for insurance agents, where allowed by law.

Growth and Expansion

  • Expanded lending licenses to 41 states by December 2025.
  • Increased active lending to 18 states in 2025, up from 13 in 2024.
  • Raised main credit facility from $50 million to $75 million in September 2025.
  • Hired new marketing staff in Florida and the Midwest in 2025.

What Makes Standard Premium Finance Stand Out

The company secures loans with unearned insurance premiums, reducing risk if borrowers default. Its online portal streamlines loan processing for over 850 independent agents. Heavy focus on Florida and a broad agent network shape its market presence.

Five Things You Need to Know

  • Revenue was $12.5 million in 2025, up 2.7% from 2024.
  • Net income reached $1.2 million in 2025, up 23.9% year-on-year.
  • Loan originations totaled $158.1 million in 2025, up 5.8% from 2024.
  • Florida accounted for 62% of business activity in 2025.

Bottom Line

Standard Premium Finance has grown by expanding its lending reach and agent network. Its focus on collateralized loans and regional markets shapes its steady, risk-managed business model.

AI Generated • Apr 16, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

25

CEO

William John Koppelmann

Website

www.standardpremium.com

Headquarters

Miami, FL 33186, US

SPFX Financials

Key Financial Metrics (TTM)

Gross Margin

83.79%

Operating Margin

61.12%

Net Income Margin

10.61%

Return on Equity

16.36%

Return on Capital

8.11%

Return on Assets

1.56%

Earnings Yield

11.70%

Dividend Yield

0.00%

Payout Ratio

8.28%

Stock Overview

Market Cap

$8.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

2.93M

Volume

2.29K

Avg. Volume

670.125

Financials (TTM)

Gross Profit

$11.09M

Operating Income

$8.09M

EBITDA

$2.38M

Operating Cash Flow

$1.32M

Capital Expenditure

-$58.65K

Free Cash Flow

$1.26M

Cash & ST Invst.

$20.69K

Total Debt

$78.02M

Standard Premium Finance Performance Analysis

Standard Premium Finance annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 8,156,5376.4%
20232023-12-31USD 9,723,01019.2%
20242024-12-31USD 12,143,14324.9%
20252025-12-31USD 12,469,7702.7%
Standard Premium Finance sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3019.8%
Q42025-12-310.8%
Q12026-03-312.3%
Q22026-06-304.4%
Standard Premium Finance annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.25-11.2%
20232023-12-31USD 0.13-48.8%
20242024-12-31USD 0.2168.9%
20252025-12-31USD 0.2622.7%
Standard Premium Finance sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3028.9%
Q42025-12-3114.3%
Q12026-03-3115.5%
Q22026-06-30-4.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$3.46M

+29.0%

Gross Profit

$2.83M

+181.3%

Gross Margin

81.85%

N/A

Market Cap

$8.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$345.76K

N/A

Employees

25

N/A

Net Income

$375.65K

+45.6%

EBITDA

$1.64M

+323.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$20.69K

+46.3%

Total Debt

$78.02M

+37.1%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$10.33M

+33.5%

Short Term Debt

$67.69M

+37.6%

Return on Assets

1.56%

N/A

Return on Invested Capital

36.49%

N/A

Free Cash Flow

-$66.54K

-104.4%

Operating Cash Flow

-$68.75K

-104.6%

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Questions About SPFX

What is the current price of Standard Premium Finance?

Standard Premium Finance is trading at $3.20 per share.

What is the 52-week range for Standard Premium Finance?

Over the past 52 weeks, Standard Premium Finance has traded between $1.21 and $3.25.

How much debt does Standard Premium Finance have?

As of the most recent reporting period, Standard Premium Finance reported total debt of $78.02M.

How much cash does Standard Premium Finance have on hand?

Standard Premium Finance reported $20.69K in cash and cash equivalents in its most recent financial results.

What is Standard Premium Finance’s dividend yield?

Standard Premium Finance does not currently have a dividend yield.

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