Standard Premium Finance Holdings (SPFX) Fair Value & Analysis
Financial Services · US · Market cap $6.5M
Standard Premium Finance Holdings
SPFX · US
Fair value as of: Jul 27, 2026
From 11 valuation models · updated 15 days ago
Fair value updated Jul 27, 2026, revised from $4.34 to $5.38 (+24.0%) since Jun 26, 2026. Share price +1.6% over the past month.
A solid business, screening 71% undervalued on our models.
What matters now
- The price is below even our cautious bear case ($4.04). The market is more pessimistic than our downside scenario.
- Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
- A fairly wide model range ($4.04 to $8.81) leaves room in how you read the outcome.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (4 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 27, 2026.
How to read this chart
49‑month range $1.20 – $11.22 · fair‑value band $4.04 – $8.81 · the $3.15 price screens below the $5.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 27, 2026.
Analysis
Standard Premium Finance Holdings (SPFX) currently trades at $3.15, while our model-based Fair Value estimate is $5.38, implying the stock looks roughly 70.8% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Net debt stands at $61.7M. The stock trades on a trailing P/E of 7.0. Fundamentals as of Jul 27, 2026
Our scenario range runs from $4.04 (bear case) to $8.81 (bull case); at $3.15, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 160% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 71%, SPFX screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 11 models by family
Widest divergence: Earnings-Based ($12.39) versus Asset-Based ($1.93). Highest evidence: Growth DCF (80).
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Key figures & financial health
Figures from reported company fundamentals · as of Jul 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 48 · Market factors (momentum, volatility) 49
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Standard Premium Finance Holdings, Inc. operates as an insurance premium financing company in the United States. It offers collateralized loans to small- and medium-sized businesses and individuals to finance the insurance premiums they pay on their commercial property and casualty insurance policies. Standard Premium Finance Holdings, Inc.
Full company description
Standard Premium Finance Holdings, Inc. operates as an insurance premium financing company in the United States. It offers collateralized loans to small- and medium-sized businesses and individuals to finance the insurance premiums they pay on their commercial property and casualty insurance policies. Standard Premium Finance Holdings, Inc. was founded in 1991 and is based in Miami, Florida.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Standard Premium Finance Holdings reported revenue of $12.5M in FY2025 versus $4.1M in FY2021, a compound +31.8%/yr. Reported net income was $1.2M in FY2025, compounding +8.5%/yr from FY2021.
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Peer Group
Credit Services · 331 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Credit Services median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Jul 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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