SPFX 最新10-Q变化

相对上期新增的文字 · 来源:10-Q · 2026-05-11

• · $157,819 increase in provision for credit losses primarily related to the increase in the size of the gross receivables portfolio.

• · $68,127 increase in interest expense as a result of increased borrowings on its line of credit. In funding the growth of the gross receivables portfolio by $13,978,463 to $83,272,529 at March 31, 2026 from $69,294,066 at March 31, 2025, the Company increased borrowings on the line of credit by $12…

• · $65,691 increase in professional fees primarily related to increases in financial statement and bank audit fees as well as additional costs for investor relations.

• Income before taxes increased by $124,486 to $562,519 for the three months ended March 31, 2026 from $438,033 for the three months ended March 31, 2025. This increase was attributable to the net increases and decreases as discussed above.

• Net Income increased by $72,238 to $408,067 for the three months ended March 31, 2026 from $335,829 for the three months ended March 31, 2025. This increase was attributable to the $124,486 increase in income before taxes related primarily to increased revenues, partially offset by the $52,248 incre…

相对上期删除的文字 · 来源:10-Q · 2025-11-12

• · $89,073 increase in commission expense as a result of competitive forces within agent relations.

• · $83,622 increase in provision for credit losses as a result of increases to the size of the loan portfolio. We maintained consistent allowance practices throughout 2025, which kept the reserves adequate for the size of the growing loan receivable portfolio.

• The increase in expenses was partially offset primarily by a decrease in the following category:

• · $71,975 decrease in interest expense as a result of decreases in the line of credit interest rate. Due to benchmark interest rate decreases adopted by the Federal Reserve Board at the end of 2024, interest rates throughout the marketplace have decreased accordingly. The benchmark interest rate dec…

• Income tax provision decreased $8,503 to $97,696 for the three months ended September 30, 2025 from $106,199 for the three months ended September 30, 2024. This decrease was primarily attributable to a decrease in taxable income.