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What is Standard Premium Finance Holdings Debt-to-Equity?
Standard Premium Finance HoldingsSPFX 73 Debt-to-Equity is 7.65 as of Mar. 2026, which is 3% below its 10-year median of 7.88. GuruFocus rates SPFX with a GF Score™ of 73/100 and a GF Value™ of $2.70 (Modestly Overvalued). The stock has 10 warning signs investors should review. Among 456 Credit Services companies, Standard Premium Finance Holdings ranks worse than 94.52% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Standard Premium Finance Holdings's Debt-to-Equity or its related term are showing as below:
SPFX'
s Debt-to-Equity Range Over the Past 10 Years
Min: 7.01 Med: 7.88 Max: 11.39
Current: 7.65
During the past 7 years, the highest Debt-to-Equity Ratio of Standard Premium Finance Holdings was 11.39. The lowest was 7.01. And the median was 7.88.
SPFX's Debt-to-Equity is ranked worse than 94.52% of 456
companies
in the Credit Services industry
Industry Median: 1.235
vs SPFX: 7.65
Standard Premium Finance Holdings (OTCPK:SPFX) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Standard Premium Finance Holdings Debt-to-Equity Related Terms
Standard Premium Finance Holdings Debt-to-Equity 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-Equity Chart
SPFX vs SPST, SNTG, VNTA: Debt-to-Equity Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Debt-to-Equity 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 Debt-to-Equity of 7.65 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Standard Premium Finance Holdings and its competitors. This is near median its historical median of 7.88. Over the past decade, Standard Premium Finance Holdings' Debt-to-Equity has ranged from 7.01 to 11.39. According to the industry distribution chart, Standard Premium Finance Holdings ranks #431 out of 456 companies in the Credit Services industry, placing it in the top 94.5%.
Is Standard Premium Finance Holdings' Debt-to-Equity too high?
Standard Premium Finance Holdings' current Debt-to-Equity of 7.65 is near median its 10-year median of 7.88. Over the past 10 years, this metric has ranged from a low of 7.01 to a high of 11.39. The Credit Services industry median Debt-to-Equity is 1.24. Standard Premium Finance Holdings' value of 7.65 is 519.4% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #431 out of 456 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-Equity compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #431 out of 456 companies for Debt-to-Equity. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Standard Premium Finance Holdings' value of 7.65 is 519.4% above this benchmark. Historically, Standard Premium Finance Holdings' own Debt-to-Equity has ranged from 7.01 to 11.39 over the past decade. While the company's 10-year median is 7.88 vs. the industry median of 1.24, 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 456 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 7.65 is 519.4% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — 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-Equity is 7.65, which is near median its own 10-year median of 7.88. 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 $2.70, compared to a current price of $3.24 — trading 20% above its estimated fair value. The current Debt-to-Equity is 7.65, which is near median its 10-year median of 7.88 and 519.4% above the Credit Services industry median of 1.24. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Debt-to-Equity is 7.65 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% above its estimated GF Value™ of $2.70.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
Debt-to-Equity: 7.65 (near median its 10-year median of 7.88)
GF Value™: $2.70 vs. price of $3.24 (20% above fair value)
Industry Position: 519.4% above the Credit Services median (#431 of 456)
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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