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What is Standard Premium Finance Holdings Debt-to-EBITDA?
Standard Premium Finance HoldingsSPFX 73 Debt-to-EBITDA is 27.79 as of Mar. 2026, which is 167% above its 10-year median of 10.41. GuruFocus rates SPFX with a GF Score™ of 73/100 and a GF Value™ of $2.69 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 282 Credit Services companies, Standard Premium Finance Holdings ranks worse than 90.78% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Standard Premium Finance Holdings's Debt-to-EBITDA or its related term are showing as below:
SPFX'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 9.48 Med: 10.41 Max: 36.65
Current: 36.22
During the past 7 years, the highest Debt-to-EBITDA Ratio of Standard Premium Finance Holdings was 36.65. The lowest was 9.48. And the median was 10.41.
SPFX's Debt-to-EBITDA is ranked worse than 90.78% of 282
companies
in the Credit Services industry
Industry Median: 9.3
vs SPFX: 36.22
Standard Premium Finance Holdings (OTCPK:SPFX) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Standard Premium Finance Holdings Debt-to-EBITDA Related Terms
Standard Premium Finance Holdings Debt-to-EBITDA 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.
Standard Premium Finance Holdings Debt-to-EBITDA Chart
SPFX vs SPST, SNTG, VNTA: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Standard Premium Finance Holdings (SPFX) has a Debt-to-EBITDA of 27.79 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Standard Premium Finance Holdings. This is 167% above median its historical median of 10.41. Over the past decade, Standard Premium Finance Holdings' Debt-to-EBITDA has ranged from 9.48 to 36.65. According to the industry distribution chart, Standard Premium Finance Holdings ranks #256 out of 282 companies in the Credit Services industry, placing it in the top 90.8%.
Is Standard Premium Finance Holdings' Debt-to-EBITDA too high?
Standard Premium Finance Holdings' current Debt-to-EBITDA of 27.79 is 167% above median its 10-year median of 10.41. Over the past 10 years, this metric has ranged from a low of 9.48 to a high of 36.65. The Credit Services industry median Debt-to-EBITDA is 9.30. Standard Premium Finance Holdings' value of 27.79 is 198.8% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #256 out of 282 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 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' Debt-to-EBITDA compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #256 out of 282 companies for Debt-to-EBITDA. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median Debt-to-EBITDA is 9.30. Standard Premium Finance Holdings' value of 27.79 is 198.8% above this benchmark. Historically, Standard Premium Finance Holdings' own Debt-to-EBITDA has ranged from 9.48 to 36.65 over the past decade. While the company's 10-year median is 10.41 vs. the industry median of 9.30, Standard Premium Finance Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.30, based on 282 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current Debt-to-EBITDA of 27.79 is 198.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Standard Premium Finance Holdings. For the Credit Services industry, the median Debt-to-EBITDA is 9.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current Debt-to-EBITDA is 27.79, which is 167% above median its own 10-year median of 10.41. 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 Modestly Overvalued. The stock's GF Value™ is $2.69, compared to a current price of $3.24 — trading 20.4% above its estimated fair value. The current Debt-to-EBITDA is 27.79, which is 167% above median its 10-year median of 10.41 and 198.8% above the Credit Services industry median of 9.30. Standard Premium Finance Holdings' overall GF Score™ is 73/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Debt-to-EBITDA is 27.79 as of Mar. 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 $3.24 is trading 20.4% above its estimated GF Value™ of $2.69.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
Debt-to-EBITDA: 27.79 (167% above median its 10-year median of 10.41)
GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
Industry Position: 198.8% above the Credit Services median (#256 of 282)
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 Business Description
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.
73GF Score
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