$SPFX
STANDARD PREMIUM FINANCE HOLDINGS, INC.

2024 Q4 Form 10-Q Financial Statement

#000107997324001527 Filed on November 14, 2024

View on sec.gov

Income Statement

Concept 2024 Q4 2024 Q3
Revenue $3.073M
YoY Change 18.46%
Cost Of Revenue
YoY Change
Gross Profit
YoY Change
Gross Profit Margin
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization
YoY Change
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change
Interest Expense $1.154M
YoY Change 12.33%
% of Operating Profit
Other Income/Expense, Net $31.33K
YoY Change 30.99%
Pretax Income $406.8K
YoY Change 163.33%
Income Tax $106.2K
% Of Pretax Income 26.1%
Net Earnings $300.6K
YoY Change 157.1%
Net Earnings / Revenue 9.78%
Basic Earnings Per Share $0.09
Diluted Earnings Per Share $0.07
COMMON SHARES
Basic Shares Outstanding 3.001M shares 2.905M shares
Diluted Shares Outstanding 4.179M shares

Balance Sheet

Concept 2024 Q4 2024 Q3
SHORT-TERM ASSETS
Cash & Short-Term Investments
YoY Change
Cash & Equivalents $2.150K
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets $68.17M
YoY Change 13.58%
LONG-TERM ASSETS
Property, Plant & Equipment $132.0K
YoY Change 41.02%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets $915.8K
YoY Change -26.81%
TOTAL ASSETS
Total Short-Term Assets $68.17M
Total Long-Term Assets $915.8K
Total Assets $69.08M
YoY Change 12.75%
SHORT-TERM LIABILITIES
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $53.08M
YoY Change 8.45%
LONG-TERM LIABILITIES
Long-Term Debt
YoY Change
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $8.823M
YoY Change 45.26%
TOTAL LIABILITIES
Total Short-Term Liabilities $53.08M
Total Long-Term Liabilities $8.823M
Total Liabilities $61.91M
YoY Change 12.51%
SHAREHOLDERS EQUITY
Retained Earnings $3.671M
YoY Change 29.23%
Common Stock $3.001K
YoY Change 3.3%
Preferred Stock
YoY Change
Treasury Stock (at cost)
YoY Change
Treasury Stock Shares
Shareholders Equity $7.177M
YoY Change
Total Liabilities & Shareholders Equity $69.08M
YoY Change 12.75%

Cashflow Statement

Concept 2024 Q4 2024 Q3
OPERATING ACTIVITIES
Net Income $300.6K
YoY Change 157.1%
Depreciation, Depletion And Amortization
YoY Change
Cash From Operating Activities
YoY Change
INVESTING ACTIVITIES
Capital Expenditures
YoY Change
Acquisitions
YoY Change
Other Investing Activities
YoY Change
Cash From Investing Activities
YoY Change
FINANCING ACTIVITIES
Cash Dividend Paid
YoY Change
Common Stock Issuance & Retirement, Net
YoY Change
Debt Paid & Issued, Net
YoY Change
Cash From Financing Activities
YoY Change
NET CHANGE
Cash From Operating Activities
Cash From Investing Activities
Cash From Financing Activities
Net Change In Cash
YoY Change
FREE CASH FLOW
Cash From Operating Activities
Capital Expenditures
Free Cash Flow
YoY Change

Facts In Submission

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dei Entity File Number
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dei Entity Registrant Name
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STANDARD PREMIUM FINANCE HOLDINGS, INC.
dei Entity Incorporation State Country Code
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FL
dei Entity Tax Identification Number
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13590 SW 134th Avenue
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150522 usd
us-gaap Increase Decrease In Accounts Payable And Accrued Liabilities
IncreaseDecreaseInAccountsPayableAndAccruedLiabilities
166081 usd
us-gaap Increase Decrease In Operating Lease Liability
IncreaseDecreaseInOperatingLeaseLiability
-84882 usd
us-gaap Increase Decrease In Operating Lease Liability
IncreaseDecreaseInOperatingLeaseLiability
-85978 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
2539673 usd
us-gaap Net Cash Provided By Used In Operating Activities
NetCashProvidedByUsedInOperatingActivities
2486784 usd
spfx Disbursements Under Premium Finance Contracts Receivable Net
DisbursementsUnderPremiumFinanceContractsReceivableNet
7817479 usd
spfx Disbursements Under Premium Finance Contracts Receivable Net
DisbursementsUnderPremiumFinanceContractsReceivableNet
10913030 usd
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
40544 usd
us-gaap Payments To Acquire Life Insurance Policies
PaymentsToAcquireLifeInsurancePolicies
38458 usd
us-gaap Proceeds From Sale Of Insurance Investments
ProceedsFromSaleOfInsuranceInvestments
641934 usd
us-gaap Proceeds From Sale Of Insurance Investments
ProceedsFromSaleOfInsuranceInvestments
0 usd
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
19571 usd
us-gaap Proceeds From Sale Of Property Plant And Equipment
ProceedsFromSaleOfPropertyPlantAndEquipment
0 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
59646 usd
us-gaap Payments To Acquire Property Plant And Equipment
PaymentsToAcquirePropertyPlantAndEquipment
9121 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-7256164 usd
us-gaap Net Cash Provided By Used In Investing Activities
NetCashProvidedByUsedInInvestingActivities
-10960609 usd
us-gaap Proceeds From Repayments Of Bank Overdrafts
ProceedsFromRepaymentsOfBankOverdrafts
304620 usd
us-gaap Proceeds From Repayments Of Bank Overdrafts
ProceedsFromRepaymentsOfBankOverdrafts
34390 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
1414011 usd
us-gaap Proceeds From Repayments Of Lines Of Credit
ProceedsFromRepaymentsOfLinesOfCredit
8652392 usd
us-gaap Proceeds From Notes Payable
ProceedsFromNotesPayable
2148689 usd
us-gaap Proceeds From Notes Payable
ProceedsFromNotesPayable
91668 usd
us-gaap Repayments Of Notes Payable
RepaymentsOfNotesPayable
100000 usd
us-gaap Repayments Of Notes Payable
RepaymentsOfNotesPayable
713576 usd
us-gaap Proceeds From Related Party Debt
ProceedsFromRelatedPartyDebt
1028000 usd
us-gaap Proceeds From Related Party Debt
ProceedsFromRelatedPartyDebt
180000 usd
spfx Repayment Of Notes Payable Stockholders And Related Parties
RepaymentOfNotesPayableStockholdersAndRelatedParties
10000 usd
spfx Repayment Of Notes Payable Stockholders And Related Parties
RepaymentOfNotesPayableStockholdersAndRelatedParties
27000 usd
us-gaap Repayments Of Long Term Debt And Capital Securities
RepaymentsOfLongTermDebtAndCapitalSecurities
9810 usd
us-gaap Repayments Of Long Term Debt And Capital Securities
RepaymentsOfLongTermDebtAndCapitalSecurities
9309 usd
us-gaap Proceeds From Other Debt
ProceedsFromOtherDebt
43000 usd
us-gaap Proceeds From Other Debt
ProceedsFromOtherDebt
0 usd
us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
87008 usd
us-gaap Repayments Of Other Debt
RepaymentsOfOtherDebt
68801 usd
spfx Dividends Paid On Series Convertible Preferred Stock
DividendsPaidOnSeriesConvertiblePreferredStock
58100 usd
spfx Dividends Paid On Series Convertible Preferred Stock
DividendsPaidOnSeriesConvertiblePreferredStock
87150 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
4673402 usd
us-gaap Net Cash Provided By Used In Financing Activities
NetCashProvidedByUsedInFinancingActivities
8052614 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-43089 usd
us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents Period Increase Decrease Excluding Exchange Rate Effect
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseExcludingExchangeRateEffect
-421211 usd
CY2023Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
45239 usd
CY2022Q4 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
421211 usd
CY2024Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
2150 usd
CY2023Q3 us-gaap Cash Cash Equivalents Restricted Cash And Restricted Cash Equivalents
CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents
0 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
336652 usd
us-gaap Income Taxes Paid Net
IncomeTaxesPaidNet
75546 usd
us-gaap Interest Paid Net
InterestPaidNet
3361503 usd
us-gaap Interest Paid Net
InterestPaidNet
2648253 usd
spfx Operating Lease Assets Obtained In Exchange For Lease Liabilities
OperatingLeaseAssetsObtainedInExchangeForLeaseLiabilities
235335 usd
spfx Operating Lease Assets Obtained In Exchange For Lease Liabilities
OperatingLeaseAssetsObtainedInExchangeForLeaseLiabilities
0 usd
spfx Common Stock Issued In Exchange For Notes Payable
CommonStockIssuedInExchangeForNotesPayable
76960 usd
spfx Common Stock Issued In Exchange For Notes Payable
CommonStockIssuedInExchangeForNotesPayable
0 usd
CY2024Q3 us-gaap Cash Equivalents At Carrying Value
CashEquivalentsAtCarryingValue
0 usd
CY2023Q4 us-gaap Cash Equivalents At Carrying Value
CashEquivalentsAtCarryingValue
0 usd
CY2024Q3 us-gaap Bank Overdrafts
BankOverdrafts
473163 usd
CY2023Q4 us-gaap Bank Overdrafts
BankOverdrafts
168543 usd
CY2024Q3 spfx Premium Finance Contracts Gross
PremiumFinanceContractsGross
71175771 usd
CY2023Q4 spfx Premium Finance Contracts Gross
PremiumFinanceContractsGross
63602075 usd
CY2024Q3 us-gaap Unearned Premiums
UnearnedPremiums
99500000 usd
CY2023Q4 us-gaap Unearned Premiums
UnearnedPremiums
87600000 usd
us-gaap Debt Instrument Interest Rate Increase Decrease
DebtInstrumentInterestRateIncreaseDecrease
0.177 pure
us-gaap Debt Instrument Interest Rate Increase Decrease
DebtInstrumentInterestRateIncreaseDecrease
0.168 pure
us-gaap Use Of Estimates
UseOfEstimates
<p id="xdx_84D_eus-gaap--UseOfEstimates_z1AnYgMOURgg" style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span id="xdx_866_zm1dWPNwaOSk">Use of Estimates</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span> </span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Significant estimates include assumptions used in valuation of deferred tax assets, allowance for credit losses, depreciable lives of property and equipment, and valuation of stock-based compensation.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0"><b> </b></p>
us-gaap Concentration Risk Credit Risk
ConcentrationRiskCreditRisk
<p id="xdx_844_eus-gaap--ConcentrationRiskCreditRisk_zvLXCpN8diB3" style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span id="xdx_867_zmwN4RLxsAFg">Concentration of Credit and Financial Instrument Risk</span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b><span> </span></b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Financial instruments that potentially subject the Company to concentrations of credit risk are primarily cash and loans receivable from customers, agents, and insurance companies. The Company maintains its cash balances at two banks. Accounts at these financial institutions are insured by the Federal Deposit Insurance Corporation up to $<span id="xdx_90E_eus-gaap--CashFDICInsuredAmount_iI_pp0p0_c20240930_zeMpu5VqjBJ7" title="FDIC insured amount">250,000</span>. Uninsured balances are $<span id="xdx_908_eus-gaap--CashUninsuredAmount_iI_pp0p0_c20240930_zF42tnnfYz76" title="Uninsured balances">208,980</span> and $<span id="xdx_90C_eus-gaap--CashUninsuredAmount_iI_pp0p0_c20231231_z2lkOt6fMrsb" title="Uninsured balances">250,200</span> at September 30, 2024 and December 31, 2023, respectively. The Company mitigates this risk by maintaining its cash balances at high-quality financial institutions. The following table provides a reconciliation between uninsured balances and cash per the consolidated balance sheets:</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"></p> <table cellpadding="0" cellspacing="0" id="xdx_884_ecustom--SchedulesOfReconciliationBetweenUninsuredBalancesAndCashTextBlock_zj9jgS6Wxhh5" style="font: 10pt Times New Roman, Times, Serif; border-collapse: collapse; width: 100%" summary="xdx: Disclosure - Summary of Significant Accounting Policies (Details)"> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: justify"><span id="xdx_8B1_zQvv7cTm4Hdd" style="display: none">Schedule of reconciliation between uninsured balances and cash per the consolidated balance sheets</span></td><td> </td> <td colspan="2" id="xdx_497_20240930_zZ7EhMzc1Ol6" style="text-align: center"> </td><td> </td><td> </td> <td colspan="2" id="xdx_496_20231231_zqsmrZTsVX9i" style="text-align: center"> </td><td> </td></tr> <tr style="vertical-align: bottom"> <td style="font-size: 11pt; text-align: justify"><span style="font-size: 8pt"><b> </b></span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"><b> </b></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 8pt"><b>September 30, 2024 <br/>(unaudited)</b></span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"><b> </b></span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"><b> </b></span></td> <td colspan="2" style="border-bottom: Black 1pt solid; text-align: center"><span style="font-size: 8pt"><b>December 31, 2023</b></span></td><td style="padding-bottom: 1pt"><span style="font-size: 8pt"><b> </b></span></td></tr> <tr id="xdx_400_eus-gaap--CashUninsuredAmount_iI_maCzcde_zjvixWKQ0N37" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 66%; text-align: justify; padding-left: 5.4pt">Uninsured Balance</td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">208,980</td><td style="width: 1%; text-align: left"> </td><td style="width: 1%"> </td> <td style="width: 1%; text-align: left">$</td><td style="width: 14%; text-align: right">250,200</td><td style="width: 1%; text-align: left"> </td></tr> <tr id="xdx_403_ecustom--InsuredBalances_iI_maCzcde_zO4OFiK0BDqk" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Plus: Insured balances</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">250,000</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">250,000</td><td style="text-align: left"> </td></tr> <tr id="xdx_403_ecustom--BalancesAtInstitutionsThatDoNotExceedFdicLimit_iI_maCzcde_zEvmJZQko9r1" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Plus: Balances at institutions that do not exceed FDIC limit</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">2,150</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">45,239</td><td style="text-align: left"> </td></tr> <tr id="xdx_405_ecustom--PlusCashOverdraft_iI_maCzcde_zUk6ArwJoSNj" style="vertical-align: bottom; background-color: White"> <td style="text-align: justify; padding-left: 5.4pt">Plus: Cash overdraft</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">473,163</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">168,543</td><td style="text-align: left"> </td></tr> <tr id="xdx_40A_ecustom--OutstandingChecks_iI_maCzcde_zNJXzFV1Fhyd" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Less: Outstanding checks</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(932,143</td><td style="text-align: left">)</td><td> </td> <td style="text-align: left"> </td><td style="text-align: right">(668,743</td><td style="text-align: left">)</td></tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 11pt; text-align: justify; padding-bottom: 1pt; padding-left: 5.4pt"> </td><td style="font-size: 11pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 11pt; text-align: left"> </td><td style="font-size: 11pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: left"> </td><td style="border-bottom: Black 1pt solid; font-size: 11pt; text-align: right"> </td><td style="padding-bottom: 1pt; font-size: 11pt; text-align: left"> </td></tr> <tr id="xdx_400_ecustom--CashAndOverdraftAmount_iTI_mtCzcde_z0b9xTKlOfh6" style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="text-align: justify; padding-left: 5.4pt">Cash per consolidated balance sheet</td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">2,150</td><td style="text-align: left"> </td><td> </td> <td style="text-align: left">$</td><td style="text-align: right">45,239</td><td style="text-align: left"> </td></tr> </table> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">The Company controls its credit risk in accounts receivable through credit standards, limits on exposure, by monitoring the financial condition of insurance companies, by adhering to statutory cancellation policies, and by monitoring and pursuing collections from past due accounts. We cancel policies at the earliest permissible date allowed by the statutory cancellation regulations.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"><b> </b></p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify">Approximately <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_dp_c20240101__20240930__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zjLYUzak38wh" title="Concentration risk percentage">66</span>% and <span id="xdx_908_eus-gaap--ConcentrationRiskPercentage1_dp_c20230101__20230930__srt--StatementGeographicalAxis__stpr--FL__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zG9us1IClnRi" title="Concentration risk percentage">61</span>% of the Company’s business activity is with customers located in Florida for 2024 and 2023, respectively. Approximately <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_dp_c20240101__20240930__srt--StatementGeographicalAxis__stpr--GA__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zqzSCOxcCJUi" title="Concentration risk percentage">9</span>% and <span id="xdx_903_eus-gaap--ConcentrationRiskPercentage1_dp_c20230101__20230930__srt--StatementGeographicalAxis__stpr--GA__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zU6ucYwrQut1" title="Concentration risk percentage">11</span>% of the Company’s business activity is with customers located in Georgia for 2024 and 2023, respectively. Approximately <span id="xdx_906_eus-gaap--ConcentrationRiskPercentage1_dp_c20240101__20240930__srt--StatementGeographicalAxis__stpr--NC__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zYSgPKAKBF7k" title="Concentration risk percentage">8</span>% and <span id="xdx_905_eus-gaap--ConcentrationRiskPercentage1_dp_c20230101__20230930__srt--StatementGeographicalAxis__stpr--NC__us-gaap--ConcentrationRiskByTypeAxis__us-gaap--CustomerConcentrationRiskMember__us-gaap--ConcentrationRiskByBenchmarkAxis__us-gaap--AccountsReceivableMember_zYbxjhUWhoV" title="Concentration risk percentage">12</span>% of the Company's business activity is with customers located in North Carolina for 2024 and 2023, respectively. There were no other significant regional, industrial or group concentrations during the nine months ended September 30, 2024 and 2023.</p> <p style="font: 10pt Times New Roman, Times, Serif; margin: 0; text-align: justify"> </p>
CY2024Q3 us-gaap Cash Fdic Insured Amount
CashFDICInsuredAmount
250000 usd
CY2024Q3 us-gaap Cash Uninsured Amount
CashUninsuredAmount
208980 usd
CY2023Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
250200 usd
CY2024Q3 us-gaap Cash Uninsured Amount
CashUninsuredAmount
208980 usd
CY2023Q4 us-gaap Cash Uninsured Amount
CashUninsuredAmount
250200 usd
CY2024Q3 spfx Insured Balances
InsuredBalances
250000 usd
CY2023Q4 spfx Insured Balances
InsuredBalances
250000 usd
CY2024Q3 spfx Balances At Institutions That Do Not Exceed Fdic Limit
BalancesAtInstitutionsThatDoNotExceedFdicLimit
2150 usd
CY2023Q4 spfx Balances At Institutions That Do Not Exceed Fdic Limit
BalancesAtInstitutionsThatDoNotExceedFdicLimit
45239 usd
CY2024Q3 spfx Plus Cash Overdraft
PlusCashOverdraft
473163 usd
CY2023Q4 spfx Plus Cash Overdraft
PlusCashOverdraft
168543 usd
CY2024Q3 spfx Outstanding Checks
OutstandingChecks
-932143 usd
CY2023Q4 spfx Outstanding Checks
OutstandingChecks
-668743 usd
CY2024Q3 spfx Cash And Overdraft Amount
CashAndOverdraftAmount
2150 usd
CY2023Q4 spfx Cash And Overdraft Amount
CashAndOverdraftAmount
45239 usd
CY2024Q3 spfx Cash Surrender Values Of Life Insurance
CashSurrenderValuesOfLifeInsurance
693606 usd
CY2023Q4 spfx Cash Surrender Values Of Life Insurance
CashSurrenderValuesOfLifeInsurance
650237 usd
CY2024Q3 us-gaap Debt Instrument Interest Rate Effective Percentage
DebtInstrumentInterestRateEffectivePercentage
0.0664 pure
CY2024Q3 spfx Interest Expense Borrowing
InterestExpenseBorrowing
10315 usd
CY2023Q3 spfx Interest Expense Borrowing
InterestExpenseBorrowing
0 usd
spfx Interest Expense Borrowing
InterestExpenseBorrowing
18483 usd
spfx Interest Expense Borrowing
InterestExpenseBorrowing
0 usd
CY2024Q3 us-gaap Income Tax Examination Penalties And Interest Accrued
IncomeTaxExaminationPenaltiesAndInterestAccrued
0 usd
CY2023Q4 us-gaap Income Tax Examination Penalties And Interest Accrued
IncomeTaxExaminationPenaltiesAndInterestAccrued
0 usd
CY2024Q3 spfx Insurance Premium Finance Contracts Outstanding
InsurancePremiumFinanceContractsOutstanding
65815796 usd
CY2023Q4 spfx Insurance Premium Finance Contracts Outstanding
InsurancePremiumFinanceContractsOutstanding
57769501 usd
CY2024Q3 spfx Insurance Premium Finance Contracts Cancelled
InsurancePremiumFinanceContractsCancelled
5359975 usd
CY2023Q4 spfx Insurance Premium Finance Contracts Cancelled
InsurancePremiumFinanceContractsCancelled
5832574 usd
CY2024Q3 spfx Insurance Premium Finance Contracts Gross
InsurancePremiumFinanceContractsGross
71175771 usd
CY2023Q4 spfx Insurance Premium Finance Contracts Gross
InsurancePremiumFinanceContractsGross
63602075 usd
CY2024Q3 spfx Amounts Due From Agents
AmountsDueFromAgents
1011138 usd
CY2023Q4 spfx Amounts Due From Agents
AmountsDueFromAgents
804131 usd
CY2024Q3 spfx Unearned Interest
UnearnedInterest
2552431 usd
CY2023Q4 spfx Unearned Interest
UnearnedInterest
2164914 usd
CY2024Q3 spfx Insurance Premium Finance Contract Net
InsurancePremiumFinanceContractNet
69634478 usd
CY2023Q4 spfx Insurance Premium Finance Contract Net
InsurancePremiumFinanceContractNet
62241292 usd
CY2024Q3 us-gaap Allowance For Doubtful Accounts Receivable
AllowanceForDoubtfulAccountsReceivable
1849130 usd
CY2023Q4 us-gaap Allowance For Doubtful Accounts Receivable
AllowanceForDoubtfulAccountsReceivable
1501593 usd
CY2024Q3 spfx Premium Finance Contracts And Related Receivable Net
PremiumFinanceContractsAndRelatedReceivableNet
67785348 usd
CY2023Q4 spfx Premium Finance Contracts And Related Receivable Net
PremiumFinanceContractsAndRelatedReceivableNet
60739699 usd
CY2024Q3 spfx Allowance For Premium Finance Contracts
AllowanceForPremiumFinanceContracts
1673694 usd
CY2023Q4 spfx Allowance For Premium Finance Contracts
AllowanceForPremiumFinanceContracts
1336157 usd
CY2024Q3 spfx Allowance For Amounts Due From Agents
AllowanceForAmountsDueFromAgents
175436 usd
CY2023Q4 spfx Allowance For Amounts Due From Agents
AllowanceForAmountsDueFromAgents
165436 usd
CY2024Q3 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1849130 usd
CY2023Q4 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1501593 usd
CY2023Q4 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1501593 usd
CY2022Q4 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1129498 usd
spfx Current Year Additions To Allowance
CurrentYearAdditionsToAllowance
1426000 usd
CY2023 spfx Current Year Additions To Allowance
CurrentYearAdditionsToAllowance
1669000 usd
us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
1352966 usd
CY2023 us-gaap Allowance For Doubtful Accounts Receivable Write Offs
AllowanceForDoubtfulAccountsReceivableWriteOffs
1639416 usd
us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
274503 usd
CY2023 us-gaap Allowance For Doubtful Accounts Receivable Recoveries
AllowanceForDoubtfulAccountsReceivableRecoveries
342511 usd
CY2024Q3 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1849130 usd
CY2023Q4 us-gaap Allowance For Doubtful Accounts Receivable Current
AllowanceForDoubtfulAccountsReceivableCurrent
1501593 usd
CY2024Q3 spfx Current Additions To Allowance
CurrentAdditionsToAllowance
494000 usd
CY2023Q3 spfx Current Additions To Allowance
CurrentAdditionsToAllowance
462000 usd
CY2024Q3 spfx Less Contrarevenues
LessContrarevenues
251349 usd
CY2023Q3 spfx Less Contrarevenues
LessContrarevenues
177607 usd
CY2024Q3 us-gaap Provision For Other Credit Losses
ProvisionForOtherCreditLosses
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Dividends
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us-gaap Share Based Compensation Arrangements By Share Based Payment Award Options Exercises In Period Weighted Average Exercise Price
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spfx Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Exercised Options Weighted Average Remaining Contractual Term2
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercises In Period Total Intrinsic Value
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CY2024Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Number
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CY2024Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Weighted Average Exercise Price
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CY2024Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Outstanding Intrinsic Value
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CY2024Q3 us-gaap Share Based Compensation Arrangement By Share Based Payment Award Options Exercisable Number
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CY2024Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Exercisable Intrinsic Value1
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us-gaap Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Outstanding Weighted Average Remaining Contractual Terms
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CY2024Q3 us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Equity Instruments Other Than Options Aggregate Intrinsic Value Outstanding
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CY2024Q3 spfx Warrants Exercisable
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CY2024Q3 us-gaap Sharebased Compensation Shares Authorized Under Stock Option Plans Exercise Price Range Exercisable Options Weighted Average Exercise Price1
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us-gaap Sharebased Compensation Arrangement By Sharebased Payment Award Options Vested And Expected To Vest Exercisable Weighted Average Remaining Contractual Term1
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CY2024Q3 spfx Sharebased Compensation Arrangement By Sharebased Payment Award Otherthan Options Exercisable Intrinsic Value1
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CY2024Q3 us-gaap Notes And Loans Payable Current
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CY2024Q3 ecd Rule10b51 Arr Adopted Flag
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CY2024Q3 ecd Rule10b51 Arr Trmntd Flag
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false
CY2024Q3 ecd Non Rule10b51 Arr Trmntd Flag
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false

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