Standard Premium Finance Holdings (SPFX) Net Margin (2020 - 2026)
Standard Premium Finance Holdings (SPFX) posted Net Margin of 11.43% for Q1 2026, up 17.64% sequentially from 9.72% in Q4 2025, and up 84.0% YoY from 6.21% in Q1 2025.
Standard Premium Finance Holdings (SPFX) Net Margin (2020 - 2026) Analysis & Trends
Standard Premium Finance Holdings (SPFX) has 7 years of Net Margin data on file, last reported at 11.43% in Q1 2026.
- Quarterly Net Margin rose 84.0% year-over-year to 11.43% in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 9.08% (up 22.0% YoY) and the FY2025 annual result came in at 8.8%, up 169.0% from the prior year.
- Net Margin grew to 11.43% in Q1 2026 per SPFX's latest filing, from 9.72% in the prior quarter.
- The five-year high for Net Margin was 11.43% in Q1 2026, with the low at 1.92% in Q1 2023.
- Average Net Margin over 5 years is 7.48%, with a median of 7.68% recorded in 2025.
- Year-over-year, Net Margin slumped 912 bps in 2023 and surged 742 bps in 2025.
- Standard Premium Finance Holdings' Net Margin stood at 10.03% in 2022, then tumbled by 49 bps to 5.16% in 2023, then increased by 9 bps to 5.61% in 2024, then surged by 73 bps to 9.72% in 2025, then climbed by 18 bps to 11.43% in 2026.
- Business Quant data shows SPFX's Net Margin at 11.43% in Q1 2026, 9.72% in Q4 2025, and 7.68% in Q3 2025.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 53.62% |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 46.23% |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 15.71% |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 13.32% |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 30.76% |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 15.15% |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 13.84% |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 21.04% |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | 14.05% |
| 10 | Standard Premium Finance Holdings | 9.30 Mn | 9.29 Mn | 3.12 Mn | 11.43% |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | 11.43% |
| Dec 31, 2025 | 9.72% |
| Sep 30, 2025 | 7.68% |
| Jun 30, 2025 | 7.35% |
| Mar 31, 2025 | 10.59% |
| Dec 31, 2024 | 5.61% |
| Sep 30, 2024 | 8.84% |
| Jun 30, 2024 | 10.50% |
| Mar 31, 2024 | 3.17% |
| Dec 31, 2023 | 5.16% |
| Sep 30, 2023 | 3.39% |
| Jun 30, 2023 | 6.37% |
| Mar 31, 2023 | 1.92% |
| Dec 31, 2022 | 10.03% |
| Sep 30, 2022 | 6.12% |
| Jun 30, 2022 | 8.21% |
| Mar 31, 2022 | 11.03% |
| Dec 31, 2021 | 11.46% |
| Sep 30, 2021 | 13.57% |
| Jun 30, 2021 | 7.21% |