Standard Premium Finance Holdings Inc. (SPFX) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Standard Premium Finance Holdings Inc. $1.95, price $3.15, upside -38.0%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
51‑month range $1.20 – $11.22 · fair‑value band $1.14 – $3.08 · the $3.15 price screens above the $1.95 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
Standard Premium Finance Holdings Inc. (SPFX) currently trades at $3.15, while our model-based Fair Value estimate is $1.95, implying the stock looks roughly 61.3% overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $12.39 per share, and 10 of the 11 models we run sit above the $3.15 price.
Bear case: the Asset-Based group reads lowest at $1.93, and 1 of the 11 models stay below the price. Evidence for this calculation is medium.
Scenario range: $1.14 (bear) to $3.08 (bull), the price of $3.15 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Standard Premium Finance Holdings Inc. 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.
Key figures
Market cap $9.5M · P/E ratio 9.0 · P/S ratio 0.88 · EPS (TTM) $0.3500 · Dividend yield 1.6% · Net margin 9.7% · Free cash flow $2.9M · Net debt $61.7M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 103% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −38%, SPFX screens richer than that median.
Fair Value models
Bear $1.14Fair Value $1.95Bull $3.08
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.2570 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.90/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+2.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+46.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+31.2%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.8%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.3%
Dividend (yield on the price)1.6%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+13.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +11.1% a year for the price.
Compare Standard Premium Finance Holdings Inc. with another stock
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Peer Groupⓘ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.Credit Services · 331 stocks
Beats the industry median on 1/11 measures
Overall it trails its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside−38% · Below median
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)10% · Below median
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Dividend yield (TTM)1.6% · Below median
Balance sheet
Debt / equity0.97× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)9.0× · Cheaper than median
P/B1.12× · Pricier than median
P/FCF3.3× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)0· sector 36
PAST (return on equity)0· sector 33
HEALTH (low debt)51· sector 59
DIVIDEND (yield)31· sector 68
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Standard Premium Finance Holdings Inc. Fair Value". https://www.fairvalue-calculator.com/stock/SPFX
Frequently asked questions
Is Standard Premium Finance Holdings Inc. (SPFX) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $1.95 versus a price of $3.15, about −38% upside (overvalued).
What is the fair value of SPFX?
Our model-based fair value for Standard Premium Finance Holdings Inc. is $1.95 (as of Sep 23, 2026), built from audited fundamentals. The current price: $3.15.
What is the quality score of SPFX?
Standard Premium Finance Holdings Inc. has a Quality Score of 51/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Standard Premium Finance Holdings Inc. (SPFX)?
Our model-based price target is the fair value of $1.95 (as of Sep 23, 2026) from 11 valuation models. Cautious scenario $1.14, optimistic scenario $3.08. It is a calculation from audited fundamentals, not an analyst target.
What is the Standard Premium Finance Holdings Inc. stock forecast for 2026?
Our models put fair value at $1.95, about −38% upside versus a price of $3.15 (overvalued). Cautious scenario $1.14, optimistic scenario $3.08. The calculation is refreshed regularly with new filings.
Does Standard Premium Finance Holdings Inc. pay a dividend?
Standard Premium Finance Holdings Inc. currently shows a dividend yield of about 1.57% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Standard Premium Finance Holdings Inc. (SPFX)?
For today's price to be fair in a discounted-cash-flow model, Standard Premium Finance Holdings Inc. would have to grow free cash flow by +13.7 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +31.2 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of SPFX use?
Our models discount Standard Premium Finance Holdings Inc. at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Standard Premium Finance Holdings Inc. that is +13.7 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Standard Premium Finance Holdings Inc. (SPFX) delivered so far?
Over the past 5 years revenue at Standard Premium Finance Holdings Inc. grew +31.2 % a year. The price currently implies +13.7 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Standard Premium Finance Holdings Inc. (SPFX) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into Standard Premium Finance Holdings Inc. (+13.7 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Standard Premium Finance Holdings Inc. (SPFX)?
The free-cash-flow yield on the price is 30.15 %: that much free cash flow Standard Premium Finance Holdings Inc. produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Standard Premium Finance Holdings Inc. (SPFX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Standard Premium Finance Holdings Inc. it is $1.95 per share (as of Sep 23, 2026), against a price of $3.15. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Standard Premium Finance Holdings Inc. stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SPFX trades above its calculated fair value: price $3.15, fair value $1.95, a gap of about −38% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SPFX?
No. The price is what the market pays today ($3.15); the fair value is what the company's own numbers justify ($1.95). For Standard Premium Finance Holdings Inc. the two are $1.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Standard Premium Finance Holdings Inc. worth?
The market values Standard Premium Finance Holdings Inc. at about $9.5M (market capitalisation, as of Sep 23, 2026). Per share that is $3.15; our models calculate a fair value of $1.95 per share.
What do the bullish and bearish scenarios say about SPFX?
Our models span a range for Standard Premium Finance Holdings Inc.: cautious scenario $1.14, base $1.95, optimistic $3.08 per share (as of Sep 23, 2026, price $3.15). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SPFX?
Standard Premium Finance Holdings Inc. trades at a price-to-earnings ratio of 9.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.95 is built from several models across several years. Other multiples: P/B 1.1.
How solid is the balance sheet of Standard Premium Finance Holdings Inc. (SPFX)?
Balance-sheet figures for Standard Premium Finance Holdings Inc. (as of Sep 23, 2026): debt of 0.97 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is SPFX from its 52-week high?
Standard Premium Finance Holdings Inc. trades at $3.15, about 3% below its 52-week high of $3.25 and 103% above the low of $1.55 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $1.95 is for.
Which stocks are comparable to Standard Premium Finance Holdings Inc.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Standard Premium Finance Holdings Inc. stock attractive at the current price?
The data as of Sep 23, 2026: price $3.15, calculated fair value $1.95 (−38%), Quality Score 51/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SPFX calculated?
We run Standard Premium Finance Holdings Inc. through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $1.95, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.0 % above its aggregate fair value. Standard Premium Finance Holdings Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Standard Premium Finance Holdings Inc. (SPFX)?
The closing price on Sep 24, 2026 was $3.15. Our model-based fair value is $1.95, about −38% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Standard Premium Finance Holdings Inc. right now?
The price sits above even our optimistic bull case ($3.08). The favourable scenario is already priced in. The model range is unusually wide ($1.14 to $3.08). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Standard Premium Finance Holdings Inc.
How large is the market capitalisation of Standard Premium Finance Holdings Inc. (SPFX)?
The market capitalisation of Standard Premium Finance Holdings Inc. is $9.5M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Standard Premium Finance Holdings Inc. (SPFX)?
The price-to-sales ratio of Standard Premium Finance Holdings Inc. is 0.88 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Standard Premium Finance Holdings Inc. (SPFX)?
Earnings per share at Standard Premium Finance Holdings Inc. are $0.3500 (price ÷ EPS = P/E 9.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Standard Premium Finance Holdings Inc. (SPFX)?
The dividend yield of Standard Premium Finance Holdings Inc. is 1.6% (payout 14.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Standard Premium Finance Holdings Inc. (SPFX)?
The net margin of Standard Premium Finance Holdings Inc. is 9.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much net debt does Standard Premium Finance Holdings Inc. (SPFX) carry?
The net debt of Standard Premium Finance Holdings Inc. is $61.7M (fiscal year 2025, ≈ 21.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 23, 2026