SPFX (Standard Premium Finance Holdings) EBIT: $1.72 Mil (TTM As of Mar. 2026)

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SPFX Standard Premium Finance Holdings Inc SPFX
73 GF Score
Price $3.24
GF Value $2.69
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Standard Premium Finance Holdings EBIT?

Standard Premium Finance Holdings SPFX 73 EBIT is $1.72 Mil as of Mar. 2026. 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.

Standard Premium Finance Holdings's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was $0.56 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was $1.72 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Standard Premium Finance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 was 2.25%. Standard Premium Finance Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.15%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Standard Premium Finance Holdings's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 2.26%.

Standard Premium Finance Holdings  (OTCPK:SPFX) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Standard Premium Finance Holdings's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=2.252 * ( 1 - 27.35% )/( (70.295 + 75.269)/ 2 )
=1.636078/72.782
=2.25 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=74.817 - 4.511 - ( 0.011 - max(0, 58.072 - 73.196+0.011))
=70.295

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=82.594 - 7.314 - ( 0.011 - max(0, 64 - 80.948+0.011))
=75.269

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Standard Premium Finance Holdings's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=2.252/( ( (0.267 + max(68.674, 0)) + (0.263 + max(73.623, 0)) )/ 2 )
=2.252/( ( 68.941 + 73.886 )/ 2 )
=2.252/71.4135
=3.15 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(72.837 + 0 + 0.348) - (4.511 + 0 + 0)
=68.674

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(79.265 + 0 + 1.672) - (7.314 + 0 + 0)
=73.623

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Standard Premium Finance Holdings's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=1.717/76.059
=2.26 %

* 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 EBIT Related Terms

Standard Premium Finance Holdings EBIT Historical Data

* Premium members only.

The historical data trend for Standard Premium Finance Holdings's EBIT can be seen below:

* 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 EBIT Chart

Standard Premium Finance Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial 3.72 4.22 5.30 1.32 1.59

Standard Premium Finance Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.44 0.35 0.37 0.44 0.56

SPFX vs SPST, SNTG, VNTA: EBIT Comparison

For the Credit Services subindustry, Standard Premium Finance Holdings's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Standard Premium Finance Holdings's EV-to-EBIT falls into.


SPFX
73GF Score
Standard Premium Finance Holdings Inc SPFX
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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Standard Premium Finance Holdings EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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 $1.72 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of $1.72 Mil mean?
Standard Premium Finance Holdings (SPFX) has a EBIT of $1.72 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Standard Premium Finance Holdings.
Is Standard Premium Finance Holdings' EBIT too high?
Standard Premium Finance Holdings' current EBIT is $1.72 Mil. 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' EBIT compare to SPST and SNTG?
Standard Premium Finance Holdings' EBIT of $1.72 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT 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 EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Standard Premium Finance Holdings. Standard Premium Finance Holdings's current EBIT is $1.72 Mil. 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 EBIT is $1.72 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current EBIT is $1.72 Mil 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:

  • EBIT: $1.72 Mil
  • GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
  • GF Score™: 73/100 with 10 warning signs

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

Address 13590 South West 134th Avenue, Suite 214, Miami, FL, USA, 33186
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

Get the complete analysis for SPFX

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.24
Price
$2.69
GF Value