Event-Driven Stocks

STANDARD PREMIUM FINANCE HOLDINGS, INC.

SPFXOTC

Financials · Miscellaneous Business Credit Institution · FL · SEC filings ↗ · Compare ⊕

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Signs● 3 good● 1 warningdetails ↓

Financials

SEC XBRL · annual
 FY25FY24FY23FY22FY21FY20
Revenue$12.5M$12.1M$9.7M$8.2M$7.7M$6.4M
Operating income——————
Net income$1.2M$979,993$532,402$806,131$876,323$687,405
Total assets$74.8M$65.8M$62.4M$51.5M$48.5M$40.8M
Total liabilities$66.4M$58.5M$56.0M$45.5M$44.0M$37.1M
Equity$8.5M$7.4M$6.4M$6.0M$4.5M$3.7M
EPS (diluted)$0.29$0.24$0.13$0.21$0.28—
Shares out.3.0M2.9M2.9M2.9M2.9M2.9M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2025
Operating margin
—
Net margin
9.7%
Return on equity
14.3%
Return on assets
1.6%
Return on capital (ROCE)
—
Liabilities / assets
88.7%
Debt / equity
7.84×
Book value / share
$2.82
Revenue growth (YoY)
2.7%
Net income growth (YoY)
23.9%

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2025
Accruals / assets
−2.2%clean
Piotroski F-Score
5/8mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
87
/ 100
Profitability 100Growth 100Catalyst 67Earnings quality 100Financial strength 67

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 warning● 3 good
  • High leverage (liabilities > 70% of assets)
  • Revenue is growing year-over-year
  • Positive operating cash flow
  • Clean earnings (low accruals)

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Insider transactions

SEC Form 4 · most recent
7 acquisitions0 disposals7 open-market buy(s)net +2,758 shares · last 7
InsiderDateTypeSharesPrice
Hoechner Carl ChristianDirectorMay 28, 2026Buy100$2.13
Hoechner Carl ChristianDirectorMay 22, 2026Buy38$2.00
Hoechner Carl ChristianDirectorMay 21, 2026Buy300$2.25
Koppelmann WilliamOfficer — CEODec 10, 2025Buy1,000$1.91
Hoechner Carl ChristianDirectorNov 25, 2025Buy100$1.95
Krogol BrianOfficer — CFONov 21, 2025Buy1,120$2.29
Hoechner Carl ChristianDirectorNov 18, 2025Buy100$2.25

Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.

Short interest

FINRA · bi-monthly
SettlementShares shortDays to coverΔ vs prior
May 15, 20261281.0+190.9%
Apr 30, 2026441.0-38.0%
Apr 15, 2026711.0-45.0%
Mar 31, 20261291.0+100.0%
Jan 15, 202651.00.0%

Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)