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During the past 7 years, Standard Premium Finance Holdings's highest 3-Year average EPS without NRI Growth Rate was 11.40% per year. The lowest was -18.10% per year. And the median was -0.05% per year.
Standard Premium Finance Holdings (OTCPK:SPFX) Earnings per Share (Diluted) Explanation
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Standard Premium Finance Holdings Earnings per Share (Diluted) Related Terms
Standard Premium Finance Holdings Earnings per Share (Diluted) 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 Earnings per Share (Diluted) Chart
SPFX vs SNTG, SPST, JF: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's PE Ratio, along with its competitors' market caps and PE Ratio 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 PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's PE Ratio distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's PE Ratio falls into.
Standard Premium Finance Holdings Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.31
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of $0.31 mean?
Standard Premium Finance Holdings (SPFX) has a Earnings per Share (Diluted) of $0.31 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Standard Premium Finance Holdings and its competitors. According to the industry distribution chart, Standard Premium Finance Holdings ranks #216 out of 432 companies in the Credit Services industry, placing it in the top 50%.
Is Standard Premium Finance Holdings' Earnings per Share (Diluted) too high?
Standard Premium Finance Holdings' current Earnings per Share (Diluted) is $0.31. The Credit Services industry median Earnings per Share (Diluted) is 11.40. Standard Premium Finance Holdings' value of $0.31 is 97.3% below this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #216 out of 432 companies in the Credit Services industry, which is above the industry midpoint. Overall, Standard Premium Finance Holdings has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' Earnings per Share (Diluted) compare to SNTG and SPST?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #216 out of 432 companies for Earnings per Share (Diluted). This puts Standard Premium Finance Holdings in the upper half of its industry. The industry median Earnings per Share (Diluted) is 11.40. Standard Premium Finance Holdings' value of $0.31 is 97.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current Earnings per Share (Diluted) of $0.31 is 97.3% below 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current Earnings per Share (Diluted) is $0.31. 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 $2.72, compared to a current price of $3.15 — trading 15.8% above its estimated fair value. The current Earnings per Share (Diluted) is $0.31 and 97.3% below the Credit Services industry median of 11.40. Standard Premium Finance Holdings' overall GF Score™ is 69/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Earnings per Share (Diluted) is $0.31 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 $3.15 is trading 15.8% above its estimated GF Value™ of $2.72.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
Earnings per Share (Diluted): $0.31
GF Value™: $2.72 vs. price of $3.15 (15.8% above fair value)
Industry Position: 97.3% below the Credit Services median (#216 of 432)
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.
69GF Score
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