Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
During the past 12 months, Standard Premium Finance Holdings's average EBITDA Per Share Growth Rate was 0.90% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was -31.80% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was -22.70% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 7 years, the highest 3-Year average EBITDA Per Share Growth Rate of Standard Premium Finance Holdings was 11.30% per year. The lowest was -34.90% per year. And the median was -14.25% per year.
Standard Premium Finance Holdings (OTCPK:SPFX) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Standard Premium Finance Holdings 3-Year EBITDA Growth Rate Related Terms
SPFX vs SNTG, SPST, JF: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's 3-Year EBITDA Growth Rate falls into.
Standard Premium Finance Holdings 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of -31.80% mean?
Standard Premium Finance Holdings (SPFX) has a 3-Year EBITDA Growth Rate of -31.80% as of Mar. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Standard Premium Finance Holdings and its competitors. According to the industry distribution chart, Standard Premium Finance Holdings ranks #278 out of 319 companies in the Credit Services industry, placing it in the top 87.1%.
Is Standard Premium Finance Holdings' 3-Year EBITDA Growth Rate too high?
Standard Premium Finance Holdings' current 3-Year EBITDA Growth Rate is -31.80%. Based on the distribution chart, Standard Premium Finance Holdings ranks #278 out of 319 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 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' 3-Year EBITDA Growth Rate compare to SNTG and SPST?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #278 out of 319 companies for 3-Year EBITDA Growth Rate. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.10, based on 319 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current 3-Year EBITDA Growth Rate is -31.80%. 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 3-Year EBITDA Growth Rate is -31.80%. 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 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current 3-Year EBITDA Growth Rate is -31.80% 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:
3-Year EBITDA Growth Rate: -31.80%
GF Value™: $2.72 vs. price of $3.15 (15.8% 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.
69GF Score
Get the complete analysis for SPFX
3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SPFX has been successfully added to your 
