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Standard Premium Finance Holdings, Inc. (SPFX)
USD3.00
+0.50 (+20.00%)
US OTC Financial Services Financial - Credit Services
Address
13590 SW 134th Avenue 33186
Miami, FL, US
Miami, FL, US
CEO
William J. Koppelmann
Website
standardpremium.com
IPO
2022-06-29
CIK 1807893 ISIN US8538151080
Description
Standard Premium Finance Holdings, Inc. is dedicated to the business of financing insurance premiums. The firm extends secured credit to both corporate clients and private individuals, helping them fund the cost of their commercial property and casualty insurance coverage. Its operations span several states, including Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Arizona. The company was founded in 2016 and has its corporate headquarters in Miami, Florida.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD3.00
+0.50 (+20.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
506
Beta
-0.50
Float Shares
1.17M
Free Float %
38.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.54% | -3.30% | -19.61% | +17.14% | +13.89% | -2.38% | +22.02% | -64.35% | -54.44% | -54.44% | -54.44% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
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Revenue composition
From
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By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
3.00
DCF (Unlevered)
28.81
+860.3%
DCF (Levered)
34.63
+1,054.5%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Quality scores
Altman Z-Score
0.83
Distress
Piotroski F-Score
8 / 9
Strong
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A+
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
4 / 5
High
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+16.6% ★ Q1'26: +33.6% (vs Q1'25)
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EPS growth Financial - Credit Services: +24.0%+23.8% Q1'26: +37.4% (vs Q1'25)
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FCF margin FCF growth · Financial - Credit Services: +70.9%+12.3% Q1'26: +68.6% (vs Q1'25)
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EBIT margin Financial - Credit Services: +28.7%+45.7% ★ Q1'26: +0.0% (vs Q1'25)
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ROIC Financial - Credit Services: +5.0%+6.0% ★ Q1'26: +0.0% (vs Q1'25)
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Share dilution Financial - Credit Services: +0.0%+3.5% Q1'26: -2.6% (vs Q1'25)
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Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×11.00×
Valuation Multiples
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Price Forecast (3Y)
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Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | A+ | 4/5 | 4/5 | 4/5 | 4/5 | 4/5 | 4/5 | 4/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 4/5 | 4/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-24 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-17 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
| 2026-04-16 | A | 4/5 | 4/5 | 4/5 | 5/5 | 1/5 | 4/5 | 4/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
2.88M
OE per share TTM
0.70
Owner's Yield
46.81%
Maintenance CapEx ratio
0.60%
Maint CapEx / Avg PPE
3.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
This company is not held by any ETF in our universe.
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.00
Bearish
Buys
3
Sells
0
Shares acquired
4.6K
Shares disposed
—
Cash buys
3.00
Cash sales
—
Net activity
+4,600
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2025-12-10 | Koppelmann William | Director / Officer / 10% Owner | P-Purchase | A | Common Stock | 1,000 | 1.91 | 1.9K | 807,155 | D | ↗ |
| 2025-11-21 | Krogol Brian | Director / Officer | P-Purchase | A | Common Stock | 1,120 | 2.29 | 2.6K | 88,720 | D | ↗ |
| 2024-12-10 | Koppelmann William | Director / Officer | P-Purchase | A | COMMON STOCK | 2,500 | 1.70 | 4.3K | 806,155 | D | ↗ |
| 2024-11-18 | Krogol Brian | Director / Officer | P-Purchase | A | Common Stock | 2,000 | 1.30 | 2.6K | 87,600 | D | ↗ |
| 2024-10-16 | Hoechner Carl Christian | Director | P-Purchase | A | Common Stock | 100 | 1.35 | 134.50 | 172,100 | D | ↗ |
| 2024-09-06 | Hoechner Carl Christian | Director | P-Purchase | A | Common Stock | 224 | 1.50 | 336.00 | 172,000 | D | ↗ |
| 2024-08-23 | Hoechner Carl Christian | Director | P-Purchase | A | Common Stock | 200 | 1.75 | 350.00 | 171,776 | D | ↗ |
| 2024-08-22 | Krogol Brian | Director / Officer | P-Purchase | A | COMMON STOCK | 200 | 1.75 | 350.00 | 85,600 | — | ↗ |
| 2024-08-22 | Hoechner Carl Christian | Director | P-Purchase | A | Common Stock | 500 | 1.75 | 875.00 | 171,576 | D | ↗ |
| 2024-08-21 | Krogol Brian | Director / Officer | P-Purchase | A | COMMON STOCK | 1,600 | 1.72 | 2.8K | 85,400 | — | ↗ |
| 2024-08-14 | Mejido Ramon | Officer | X-InTheMoney | D | Common Stock Option | 12,500 | 0.80 | 10.0K | 15,400 | — | ↗ |
| 2023-04-18 | Leavitt John | Director | P-Purchase | A | Common Stock | 1,000 | 6.03 | 6.0K | 92,500 | — | ↗ |
| 2022-07-01 | Hoechner Carl Christian | Director | S-Sale | D | Common Stock | 100 | 0.00 | — | 171,076 | — | ↗ |
| 2022-06-29 | Krogol Brian | Officer | A-Award | A | Common Stock Option | 5,000 | 0.00 | — | 93,700 | — | ↗ |
| 2022-06-29 | Hoechner Carl Christian | Director | P-Purchase | A | Common Stock | 100 | 0.00 | — | 171,176 | — | ↗ |
| 2022-01-21 | Krogol Brian | Director / Officer | P-Purchase | A | Series A Convertible Preferred Stock | 2,000 | 10.00 | 20.0K | 2,000 | — | ↗ |
| 2022-01-11 | Ruiz Margaret | Officer | G-Gift | A | COMMON STOCK | 100 | 0.00 | — | 17,478 | — | ↗ |
| 2022-01-11 | Mejido Ramon | Officer | G-Gift | A | COMMON STOCK | 100 | 0.00 | — | 100 | — | ↗ |
| 2022-01-11 | Mattucci Robert | Officer | G-Gift | A | COMMON STOCK | 100 | 0.00 | — | 11,403 | — | ↗ |
| 2022-01-11 | Krogol Brian | Director / Officer | G-Gift | D | COMMON STOCK | 100 | 0.00 | — | 100 | — | ↗ |
| 2022-01-11 | Koppelmann William | Director / Officer / 10% Owner | G-Gift | D | COMMON STOCK | 2,200 | 0.00 | — | 803,655 | — | ↗ |
| 2022-01-11 | Galliano Victor | Officer | G-Gift | A | COMMON STOCK | 100 | 0.00 | — | 15,359 | — | ↗ |
| 2022-01-07 | Konig Samuel | — | — | — | — | 0 | 0.00 | — | 0 | — | ↗ |
| 2021-12-13 | Konig Samuel | Director / Officer | J-Other | A | W4A COMMON STOCK WARRANT | 37,500 | 4.00 | 150.0K | 37,500 | — | ↗ |
| 2021-06-11 | Story Bobby | Director / Officer | A-Award | A | W4 Common Stock Warrant | 50,000 | 4.00 | 200.0K | 50,000 | — | ↗ |
| 2021-06-11 | Kutner Mark Eliot | Director | A-Award | A | W4 Common Stock Warrant | 50,000 | 4.00 | 200.0K | 50,000 | — | ↗ |
| 2021-03-20 | Wall James Albert | Director | — | D | Common Stock | 0 | 0.00 | — | 78,256 | — | ↗ |
| 2021-03-20 | Story Bobby | Director / Officer | — | D | Common Stock | 0 | 0.00 | — | 108,000 | — | ↗ |
| 2021-03-20 | Ruiz Margaret | Officer | — | D | Common Stock | 0 | 0.00 | — | 17,378 | — | ↗ |
| 2021-03-20 | Perrucci Christopher | Director | — | D | Common Stock | 0 | 0.00 | — | 66,500 | — | ↗ |
| 2021-03-20 | Mattucci Robert | Officer | — | D | Common Stock | 0 | 0.00 | — | 11,303 | — | ↗ |
| 2021-03-20 | Leavitt John | Director | — | D | Common Stock | 0 | 0.00 | — | 66,500 | — | ↗ |
| 2021-03-20 | Kutner Mark Eliot | Director | — | D | Series A Convertible Preferred Stock | 0 | 0.00 | — | 50,000 | — | ↗ |
| 2021-03-20 | Koppelmann William | Director / Officer / 10% Owner | — | D | Common Stock | 0 | 0.00 | — | 805,855 | — | ↗ |
| 2021-03-20 | Konig Samuel | Director / Officer | — | D | Common Stock | 0 | 0.00 | — | 83,000 | — | ↗ |
| 2021-03-20 | Howell Scott | Director | — | D | Common Stock | 0 | 0.00 | — | 66,500 | — | ↗ |
| 2021-03-20 | Hoechner Carl Christian | Director | — | D | Common Stock | 0 | 0.00 | — | 171,076 | — | ↗ |
| 2021-03-20 | Galliano Victor | Officer | — | D | Common Stock | 0 | 0.00 | — | 15,259 | — | ↗ |
| 2021-03-01 | Ruiz Margaret | Officer | — | D | Common Stock Option | 5,000 | 0.80 | 4.0K | 0 | — | ↗ |
| 2021-03-01 | Mejido Ramon | Officer | — | D | Common STock Option | 13,950 | 0.80 | 11.2K | 0 | — | ↗ |
| 2021-03-01 | Mattucci Robert | Officer | — | D | Common Stock Option | 13,950 | 0.80 | 11.2K | 0 | — | ↗ |
| 2021-03-01 | Krogol Brian | Officer | — | D | Common Stock Option | 41,850 | 0.80 | 33.5K | 0 | — | ↗ |
| 2021-03-01 | Galliano Victor | Officer | — | D | Common Stock Option | 13,950 | 0.80 | 11.2K | 0 | — | ↗ |
| 2020-04-01 | Wall James Albert | Director | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
| 2020-04-01 | Story Bobby | Director / Officer | — | D | W4 Common Stock Warrant | 15,000 | 4.00 | 60.0K | 0 | — | ↗ |
| 2020-04-01 | Perrucci Christopher | Director | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
| 2020-04-01 | Leavitt John | Director | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
| 2020-04-01 | Kutner Mark Eliot | Director | — | D | W12 Common Stock Warrant | 50,000 | 12.00 | 600.0K | 0 | — | ↗ |
| 2020-04-01 | Krogol Brian | Officer | — | D | W4 Common Stock Warrant | 5,000 | 4.00 | 20.0K | 0 | — | ↗ |
| 2020-04-01 | Koppelmann William | Director / Officer / 10% Owner | — | D | W4 Common Stock Warrant | 25,000 | 4.00 | 100.0K | 0 | — | ↗ |
| 2020-04-01 | Konig Samuel | Director / Officer | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
| 2020-04-01 | Howell Scott | Director | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
| 2020-04-01 | Hoechner Carl Christian | Director | — | D | W12 Common Stock Warrant | 25,000 | 12.00 | 300.0K | 0 | — | ↗ |
Executive team
Top executives
EBIT / Employee
247.8K
Shares Outstanding
3.00M
Executive compensation
Executive compensation (annual)
| # | Year | Executive | Salary | Bonus | Stock award | Option award | Incentive | Other | Total | % Stock- based |
Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2025 | William Koppelmann, Chief Executive Officer | 275.0K | 102.0K | 7.8K | — | — | — | 384.8K | 2.03% | ↗ |
| 2 | 2025 | Brian Krogol Chief Financial Officer | 175.0K | 64.7K | 4.9K | — | — | — | 244.5K | 1.99% | ↗ |
| 3 | 2025 | Victor Galliano Vice President of Sales | 183.9K | 1.5K | — | — | — | — | 185.4K | 0.00% | ↗ |
| 4 | 2024 | William Koppelmann, Chief Executive Officer | 275.0K | 7.2K | — | — | — | — | 282.2K | 0.00% | ↗ |
| 5 | 2024 | Victor Galliano Vice President of Sales | 192.1K | 1.5K | — | — | — | — | 193.6K | 0.00% | ↗ |
| 6 | 2024 | Robert Mattucci Vice President of Marketing | 176.7K | 3.1K | — | — | — | — | 179.8K | 0.00% | ↗ |
| 7 | 2024 | Brian Krogol Chief Financial Officer | 175.0K | 4.6K | — | — | — | — | 179.6K | 0.00% | ↗ |
| 8 | 2023 | William Koppelmann, Chief Executive Officer | 275.0K | 7.2K | — | — | — | — | 282.2K | 0.00% | ↗ |
| 9 | 2023 | William Koppelmann Chief Executive Officer | 275.0K | 7.2K | — | — | — | — | 282.2K | 0.00% | ↗ |
| 10 | 2023 | Brian Krogol Chief Financial Officer | 175.0K | 4.6K | — | — | — | — | 179.6K | 0.00% | ↗ |
| 11 | 2023 | Victor Galliano Vice President of Sales | 172.4K | 1.5K | — | — | — | — | 174.0K | 0.00% | ↗ |
| 12 | 2023 | Robert Mattucci Vice President of Marketing | 157.8K | 3.2K | — | — | — | — | 161.1K | 0.00% | ↗ |
| 13 | 2022 | William Koppelmann Chief Executive Officer | 228.5K | 10.3K | — | 27.8K | — | — | 266.6K | 10.42% | ↗ |
| 14 | 2022 | Brian Krogol Chief Financial Officer | 148.1K | 7.2K | — | 28.6K | — | — | 183.9K | 15.55% | ↗ |
| 15 | 2022 | Victor Galliano Vice President of Sales | 175.7K | 1.7K | — | — | — | — | 177.4K | 0.00% | ↗ |
| 16 | 2022 | Robert Mattucci Vice President of Marketing | 147.6K | 4.7K | — | — | — | — | 152.2K | 0.00% | ↗ |
| 17 | 2021 | William Koppelmann Chief Executive Officer | 184.8K | 9.4K | — | — | — | — | 194.2K | 0.00% | ↗ |
| 18 | 2021 | Victor Galliano Vice President of Sales | 163.8K | 1.7K | — | — | — | — | 165.5K | 0.00% | ↗ |
| 19 | 2021 | Robert Mattucci Vice President of Marketing | 145.6K | 3.8K | — | — | — | — | 149.4K | 0.00% | ↗ |
| 20 | 2021 | Brian Krogol Chief Financial Officer | 135.4K | 7.4K | — | — | — | — | 142.8K | 0.00% | ↗ |
| 21 | 2020 | William Koppelmann Chief Executive Officer | 164.2K | 2.5K | — | — | — | — | 168.8K | 0.00% | ↗ |
| 22 | 2020 | Victor Galliano Vice President of Sales | 146.4K | 1.0K | — | 10.3K | — | — | 157.7K | 6.55% | ↗ |
| 23 | 2020 | Robert Mattucci Vice President of Marketing | 136.2K | 2.7K | — | 10.3K | — | — | 149.2K | 6.92% | ↗ |
| 24 | 2020 | Brian Krogol Chief Financial Officer | 105.8K | 541.00 | — | 31.0K | — | — | 138.0K | 22.44% | ↗ |
CEO compensation breakdown
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| William J. Koppelmann | President, Chief Executive Officer & Chairman | 377.0K | male |
| Brian Krogol | Chief Financial Officer & Director | 239.7K | male |
| Victor Galliano | Vice President of Marketing | 185.4K | male |
| Robert Mattucci | Vice President of Sales | 179.8K | male |
| Ramon Mejido | Vice President of Technology | — | male |
| Dagoberto Gonzalez | Controller | — | — |
| Margaret Ruiz | Operations Manager & Secretary | — | female |
ESG Rating
ESG Score History FINANCIAL - CREDIT SERVICES
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for SPFX
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
