SPFXOTCMiscellaneous Business Credit InstitutionFiscal year ends December 31
STANDARD PREMIUM FINANCE HOLDINGS, INC.
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-Q on Aug 10, 2026
$3.15+0.00 (0.00%)
Close on Oct 19, 2026
- Market cap
- $13.15M
- P/E (TTM)
- 10.9
- Dividend yield
- –
Standard Premium Finance statistics
Financials through Dec 31, 2025, price as of Oct 19, 2026, median of Miscellaneous Business Credit Institution companies for comparison
Valuation
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Market Cap | $9.23M | $216.24M |
| Enterprise Value | $15.52M | $197.90M |
| PE Ratio | 10.86 | 11.74 |
| PS Ratio | 0.74 | 3.01 |
| PB Ratio | 1.09 | 1.19 |
| P/TBV Ratio | 1.09 | 1.44 |
| P/FCF Ratio | 3.24 | 12.30 |
| P/OCF Ratio | 3.20 | 5.61 |
Enterprise value
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| EV / Sales | 1.24 | 3.03 |
| EV / EBITDA | 2.70 | 4.41 |
| EV / FCF | 5.45 | 11.30 |
Income (trailing twelve months)
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Revenue | $12.47M | $61.19M |
| Pretax Income | $1.59M | -$4.81M |
| Net Income | $1.21M | -$5.16M |
| EBITDA | $5.75M | -$9.49M |
| EPS (Diluted) | $0.29 | -$0.03 |
Margins
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Pretax Margin | 12.8% | -25.1% |
| Profit Margin | 9.74% | -21.0% |
| EBITDA Margin | 46.1% | -67.0% |
| FCF Margin | 22.9% | -22.8% |
Returns
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Return on Equity (ROE) | 15.4% | -22.5% |
| Return on Assets (ROA) | 1.73% | -11.8% |
Growth
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 2.69% | 19.7% |
| Net Income Growth (YoY) | 23.9% | -51.5% |
| EPS Growth (YoY) | 20.8% | 4.95% |
| FCF Growth (YoY) | 61.0% | 18.7% |
| Revenue Growth (3Y CAGR) | 15.2% | 5.53% |
| Revenue Growth (5Y CAGR) | 14.1% | 10.1% |
| EPS Growth (3Y CAGR) | 11.4% | 5.11% |
Balance sheet
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $10.97K | $20.81M |
| Total Debt | $6.30M | $52.25M |
| Net Cash (Debt) | -$6.29M | $7.60M |
| Net Cash Per Share | -$2.15 | $0.22 |
| Equity (Book Value) | $8.46M | $165.65M |
| Book Value Per Share | $2.89 | $3.72 |
| Tangible Book Value | $8.46M | $127.24M |
| Working Capital | $15.12M | $8.71M |
Financial position
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Current Ratio | 1.26 | 1.43 |
| Quick Ratio | 0.02 | 0.54 |
| Debt / Equity | 0.74 | 0.20 |
| Debt / EBITDA | 1.10 | 1.28 |
| Debt / FCF | 2.21 | 5.31 |
| Net Debt / EBITDA | 1.10 | -0.91 |
Cash flow (trailing twelve months)
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Operating Cash Flow | $2.88M | -$5.36M |
| Capital Expenditures | -$33.42K | -$5.04M |
| Free Cash Flow | $2.85M | -$15.68M |
| FCF Per Share | $0.97 | -$0.26 |
Efficiency
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Asset Turnover | 0.18 | 0.16 |
| Revenue Per Employee | $498.79K | $705.30K |
| Profits Per Employee | $48.56K | -$258.90K |
| Employee Count | 25 | 48 |
Dividends and yields
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Earnings Yield | 13.2% | -10.2% |
| FCF Yield | 30.9% | -11.4% |
Shares
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Shares Outstanding | 2,930,130 | 57,205,350 |
| Shares Change (YoY) | 3.51% | 12.9% |
| Shares Change (QoQ) | 0.00% | 0.24% |
| Float | 1,861,520 | 43,350,400 |
| Shares Held by Insiders | 36.5% | 18.5% |
Taxes
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Income Tax | $378.30K | $82.74K |
| Effective Tax Rate | 23.8% | 22.6% |
Scores
| Measure | Standard Premium Finance | Industry median |
|---|---|---|
| Graham Number | $4.34 | $33.10 |
| Graham Upside | 37.8% | 12.5% |
| Altman Z-Score | 0.59 | 0.34 |
| Piotroski F-Score | 4 | 4 |
Calculated by StockData from Standard Premium Finance's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.