{"schema_version":"secwatch.filing_event.v1","accession":"0001079973-25-001180","form_type":"8-K","ticker":"SPFX","cik":"0001807893","company_name":"STANDARD PREMIUM FINANCE HOLDINGS, INC.","filed_at":"2025-07-24T23:59:59+00:00","discovered_at":"2026-05-14T18:02:45.063864+00:00","generated_at":"2026-05-18T02:31:23.504867+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.55,"calibrated_materiality_score":0.55,"confidence":"high","headline":"Standard Premium Q2 revenue $3.1M, EPS $0.08; loan portfolio up 9.7% to $70M","bullets":["Q2 2025: revenue $3.1M, income before taxes $345k, diluted EPS $0.06.","Loan portfolio exceeded $70M as of June 30, 2025, a 9.7% increase since Dec 2024.","YTD 2025: revenue $6M, income before taxes $783.5k, basic EPS $0.18, diluted EPS $0.14.","Return on equity: Q2 15%, YTD 18%, supported by stable originations and cost control.","CEO highlights capital-efficient growth and national expansion as key drivers."],"urls":{"canonical":"https://secwatch.observer/filing/0001079973-25-001180","json":"https://secwatch.observer/filing/0001079973-25-001180.json","markdown":"https://secwatch.observer/filing/0001079973-25-001180.md","text":"https://secwatch.observer/filing/0001079973-25-001180.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325001180/0001079973-25-001180-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1807893/000107997325001180/spfx_8k.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T02:31:23.504867+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}