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Standard Premium Finance Holdings, Inc. (SPFX) stock analysis

SPFXOTCMiscellaneous Business Credit InstitutionFiscal year ends December 31
Financials through Q4 FY2025, quarter ended Dec 31, 2025Last filing: 10-Q on Nov 9, 2026Score 9/30
$3.15+0.00 (0.00%)

Close on Oct 19, 2026Market cap –P/E 10.9Yield –

StockData Score

Prices as of Nov 13, 2026How the score works

Value0Growth3Performance3Health3Dividend0

Mixed9 of 30 checks passed

Standard Premium Finance passes 9 of the 30 checks behind our score; 16 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.

Valuation
0/6
Growth
3/6
Past performance
3/6
Financial health
3/6
Dividend
0/6

What stands out

  • Earnings grew over 5 years

    Net income grew 12.0% a year on average over the last five fiscal years.

  • Revenue growing 10%+ a year

    Revenue grew 15.2% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 11.4% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 23.9% over the last twelve months, against a 5-year average of 12.0% a year.

What to watch

  • Return on equity under 15%

    Return on equity was 13.8% over the last twelve months and averaged 15.0% over five years; we look for 15% on both.

  • High debt

    Debt is 80.8% of shareholders' equity, above the 40% we consider low.

  • Growing slower than the industry

    Revenue grew 2.7% over the last twelve months; the Non-depository Credit Institutions median is 19.6%.

  • Net margin below the industry

    Standard Premium Finance's net margin of 9.7% is below the Non-depository Credit Institutions median of 12.7%.

Valuation0/6

  • P/E against its history

    Not enough price and earnings history to compare.

  • P/E against the industry

    Needs positive earnings and enough profitable companies in the industry.

  • EV/EBITDA against its history

    Needs positive EBITDA and price history.

  • P/B against the industry

    Needs positive book value.

  • Price against fair value

    We could not estimate a fair value: it needs at least two valuation methods with positive inputs.

  • Margin of safety

    Depends on the fair value estimate.

Growth3/6

  • Revenue growing 10%+ a year

    Revenue grew 15.2% a year over the last three fiscal years.

  • EPS growing 10%+ a year

    Diluted EPS grew 11.4% a year over the last three fiscal years.

  • Earnings growth accelerating

    Net income grew 23.9% over the last twelve months, against a 5-year average of 12.0% a year.

  • Growing slower than the industry

    Revenue grew 2.7% over the last twelve months; the Non-depository Credit Institutions median is 19.6%.

  • Company guidance

    No outlook found in earnings releases from the last twelve months.

  • Gross margin trend

    This company does not report gross profit.

Past performance3/6

  • Return on equity under 15%

    Return on equity was 13.8% over the last twelve months and averaged 15.0% over five years; we look for 15% on both.

  • Return on invested capital

    Needs operating income and invested capital.

  • Return on equity above the industry

    Standard Premium Finance's return on equity of 13.8% is above the Non-depository Credit Institutions median of 13.1%.

  • Earnings grew over 5 years

    Net income grew 12.0% a year on average over the last five fiscal years.

  • Net margin above its 5-year average

    Net margin was 9.7% over the last twelve months, against a 5-year average of 8.9%.

  • Net margin below the industry

    Standard Premium Finance's net margin of 9.7% is below the Non-depository Credit Institutions median of 12.7%.

Financial health3/6

  • High debt

    Debt is 80.8% of shareholders' equity, above the 40% we consider low.

  • Debt falling against equity

    Debt to equity fell from 104% five years ago to 80.8%.

  • Debt covered by cash flow

    Operating cash flow over the last twelve months equals 38.0% of total debt.

  • Interest coverage

    Interest expense is not reported separately.

  • Short-term assets cover short-term debts

    Current assets are 1.25 times current liabilities.

  • Bankruptcy risk (Altman Z)

    Needs market value, working capital and retained earnings.

Dividend0/6

  • No dividend

    Standard Premium Finance has not paid a dividend in the last twelve months.

  • Yield against Treasuries

    No dividend.

  • Yield against the market

    No dividend.

  • Dividend stability

    No dividend.

  • Earnings cover

    No dividend.

  • Cash-flow cover

    No dividend.

Scores of similar companies

Fair value

How we estimate it

We don't publish a fair value for Standard Premium Finance. It needs a US-dollar share price, at least two valuation methods with positive inputs (earnings, EBITDA, book value or sales) and, for companies with several share classes, classes that trade at the same price.

Valuation over time

Using the earnings and balance sheet published at each date, not today's.

  • P/E at month end
  • Own 5-year median 10.9
  • Non-depository Credit Institutions median 8.6

An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.

Margins

Share of revenue, fiscal years 2019 to 2025

Net margin

9.7%−0.9 pts over 5 years

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