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STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX)
STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX)
Income Statement
|
Cash Flow
|
Balance Sheet
|
Ratios
Cash Flow Overview
Free Cash flow
-$66,539
Unit: Dollar
Positive Cash Flow Breakdown
Proceeds from line of credit
Net income
Provision for credit losses
Others
Negative Cash Flow Breakdown
Disbursements under premium fina...
Increase/(decrease) in drafts pa...
Cash overdraft
Others
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Page 1
Quarterly
123
Page 1
Cash Flow
2026-06-30
2026-03-31
2025-09-30
2025-06-30
Net income
-375,650
461,873
-869,940
-
Depreciation
9,077
-21,272
9,811
19,591
Amortization of right to use asset - operating lease
24,865
-62,227
29,303
57,466
Amortization of finance lease asset
3,314
-6,628
3,314
6,628
Provision for credit losses
307,079
-559,204
326,273
630,266
Amortization of loan origination fees
-31,084
-29,902
-394
-788
Net income
-
-
-
593,916
Stock compensation
1,000
-7,650
4,325
4,325
(increase)/decrease in prepaid expenses and other current assets
-26,309
1,313,715
63,647
-53,155
(increase)/decrease in deferred tax asset, net
52,000
-27,000
15,000
36,000
Increase/(decrease) in drafts payable
-754,527
189,697
-203,373
2,412,207
Increase/(decrease) in accrued expenses and other current liabilities
-15,740
325,112
-37,505
116,971
Increase/(decrease) in operating lease liability
-24,865
62,226
-29,302
-57,466
Net cash provided by operating activities
-68,754
-1,798,632
300,617
3,801,847
Disbursements under premium finance contracts receivable, net
7,567,129
-3,806,438
3,796,983
6,834,851
Payments made on cash surrender value of life insurance
10,805
-43,556
35,011
17,121
Purchases of property and equipment
-2,215
27,450
0
887
Net cash used in investing activities
-7,575,719
3,822,544
-3,831,994
-6,852,859
Cash overdraft
-261,496
-278,021
619,825
-328,421
Proceeds from line of credit
7,777,360
-2,097,541
3,667,327
3,192,618
Proceeds of other loans
-
-
-
0
Proceeds from loan on cash surrender value of life insurance, net of repayments
-
-
5,771
-
Proceeds from loan on cash surrender value of life insurance
2,969
-36
-
-
Repayment of other loans
-
-
0
45,705
Proceeds from notes payable
282,500
-499,432
80,426
429,006
Repayment of notes payable
137,000
-530,961
342,961
188,000
Proceeds from notes payable - stockholders and related parties
-19,460
-
14,460
65,000
Repayments of notes payable - stockholders and related parties
0
-430,000
490,000
-
Repayment of finance lease obligation
3,631
-6,753
3,490
6,847
Repurchase of common stock
36,000
135,001
-
-
Proceeds from loan on cash surrender value of life insurance, net of repayments
-
-
-
3,888
Treasury stock
-1,100
-
-
-
Dividends paid on series a convertible preferred stock
29,050
-58,100
29,050
58,100
Net cash provided by financing activities
7,654,552
-2,023,743
3,518,420
3,063,439
Net change in cash
10,079
169
-12,957
12,427
Cash at the beginning of the period
1,186
1,186
1,716
-
Cash at the end of the period
20,688
10,609
1,186
-
Page 1
Unit: Dollar. Numbers labeled with * are estimated quarterly values.
Page 1
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Time Plot
Show the time plot by selecting a row from the table.
Cash Flow
Proceeds from line of
credit
$7,777,360
(143.60%↑ Y/Y)
Proceeds from notes
payable
$282,500
(-34.15%↓ Y/Y)
Proceeds from loan on cash
surrender value of life...
$2,969
Net cash provided by
financing activities
$7,654,552
(149.87%↑ Y/Y)
Canceled cashflow
$487,737
Net change in cash
$10,079
(-18.89%↓ Y/Y)
Canceled cashflow
$7,644,473
Cash overdraft
-$261,496
(20.38%↑ Y/Y)
Repayment of notes payable
$137,000
(-27.13%↓ Y/Y)
Repurchase of common stock
$36,000
Dividends paid on series a
convertible preferred stock
$29,050
(-50.00%↓ Y/Y)
Proceeds from notes
payable - stockholders...
-$19,460
(-129.94%↓ Y/Y)
Repayment of finance lease
obligation
$3,631
(-46.97%↓ Y/Y)
Treasury stock
-$1,100
Purchases of property and
equipment
-$2,215
(-349.72%↓ Y/Y)
Net income
-$375,650
(-163.25%↓ Y/Y)
Provision for credit
losses
$307,079
(-51.28%↓ Y/Y)
Amortization of loan
origination fees
-$31,084
(-3844.67%↓ Y/Y)
(increase)/decrease in prepaid
expenses and other...
-$26,309
(50.51%↑ Y/Y)
Amortization of right to use
asset - operating...
$24,865
(-56.73%↓ Y/Y)
Depreciation
$9,077
(-53.67%↓ Y/Y)
Amortization of finance lease
asset
$3,314
(-50.00%↓ Y/Y)
Stock compensation
$1,000
(-76.88%↓ Y/Y)
Net cash used in
investing activities
-$7,575,719
(-10.55%↓ Y/Y)
Net cash provided by
operating activities
-$68,754
(-101.81%↓ Y/Y)
Canceled cashflow
$2,215
Canceled cashflow
$778,378
Disbursements under premium
finance contracts...
$7,567,129
(10.71%↑ Y/Y)
Payments made on cash
surrender value of life...
$10,805
(-36.89%↓ Y/Y)
Increase/(decrease) in drafts
payable
-$754,527
(-131.28%↓ Y/Y)
(increase)/decrease in deferred tax
asset, net
$52,000
(44.44%↑ Y/Y)
Increase/(decrease) in operating
lease liability
-$24,865
(56.73%↑ Y/Y)
Increase/(decrease) in accrued
expenses and other...
-$15,740
(-113.46%↓ Y/Y)
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