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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Standard Premium Finance Holdings's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.00.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Standard Premium Finance Holdingscouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Standard Premium Finance Holdings's Cash-to-Debt or its related term are showing as below:
During the past 7 years, Standard Premium Finance Holdings's highest Cash to Debt Ratio was 0.01. The lowest was 0.00. And the median was 0.00.
SPFX's Cash-to-Debt is not ranked *
in the Credit Services industry.
Industry Median: 0.19 * Ranked among companies with meaningful Cash-to-Debt only.
Standard Premium Finance Holdings (OTCPK:SPFX) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Standard Premium Finance Holdings Cash-to-Debt Related Terms
Standard Premium Finance Holdings Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Standard Premium Finance Holdings Cash-to-Debt Chart
For the Credit Services subindustry, Standard Premium Finance Holdings's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Standard Premium Finance Holdings Cash-to-Debt vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Standard Premium Finance Holdings (SPFX) has a Cash-to-Debt of 0.00 as of Jun. 2026. According to the industry distribution chart, Standard Premium Finance Holdings ranks #999999 out of 524 companies in the Credit Services industry.
Is Standard Premium Finance Holdings' Cash-to-Debt too high?
Standard Premium Finance Holdings' current Cash-to-Debt is 0.00. Based on the distribution chart, Standard Premium Finance Holdings ranks #999999 out of 524 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Standard Premium Finance Holdings has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' Cash-to-Debt compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #999999 out of 524 companies for Cash-to-Debt. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median Cash-to-Debt is 0.19. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Credit Services company?
The median Cash-to-Debt among Credit Services companies is 0.19, based on 524 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median Cash-to-Debt is 0.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current Cash-to-Debt is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Premium Finance Holdings stock overvalued right now?
Based on GuruFocus' analysis, Standard Premium Finance Holdings (SPFX) is currently considered Fairly Valued. The stock's GF Value™ is $2.71, compared to a current price of $2.90 — trading 7% above its estimated fair value. The current Cash-to-Debt is 0.00. Standard Premium Finance Holdings' overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Cash-to-Debt is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Standard Premium Finance Holdings (SPFX) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Premium Finance Holdings stock appears to be overvalued.
The current stock price of $2.90 is trading 7% above its estimated GF Value™ of $2.71.
GuruFocus considers Standard Premium Finance Holdings to be Fairly Valued.
Key valuation signals for SPFX:
Cash-to-Debt: 0.00
GF Value™: $2.71 vs. price of $2.90 (7% above fair value)
No single metric tells the full story. See the SPFX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Premium Finance Holdings Inc is a specialized finance company that makes collateralized loans to businesses and individuals to finance the insurance premiums to pay on their commercial property and casualty insurance policies. The company operates in the states of Florida, Georgia, North Carolina, South Carolina and Texas. The company originate loans mainly in Florida, although it operates in several states. It generates the majority of its revenue through interest income and the associated fees earned from loan products.
68GF Score
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