---
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"
generated_at: "2026-05-18T02:31:23.504867+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.55
calibrated_materiality_score: 0.55
confidence: "high"
source: SEC EDGAR
---

# Standard Premium Q2 revenue $3.1M, EPS $0.08; loan portfolio up 9.7% to $70M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.55
- calibrated_materiality_score: 0.55
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001079973-25-001180
- JSON: https://secwatch.observer/filing/0001079973-25-001180.json
- Plain text: https://secwatch.observer/filing/0001079973-25-001180.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.