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What is Standard Premium Finance Holdings EV-to-EBIT?
Standard Premium Finance HoldingsSPFX 73 EV-to-EBIT is 44.30 as of Jul. 18, 2026, which is 164% above its 10-year median of 16.78. 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 311 Credit Services companies, Standard Premium Finance Holdings ranks worse than 74.28% on this metric.
Standard Premium Finance Holdings (OTCPK:SPFX) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Standard Premium Finance Holdings's Enterprise Value for the quarter that ended in Mar. 2026 was $73.33 Mil.
Standard Premium Finance Holdings's 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.
Standard Premium Finance Holdings EV-to-EBIT Related Terms
Standard Premium Finance Holdings EV-to-EBIT 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 EV-to-EBIT Chart
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.
Standard Premium Finance Holdings's current Enterprise Value is $76.06 Mil.
Standard Premium Finance Holdings's 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.
Standard Premium Finance Holdings (SPFX) has a EV-to-EBIT of 44.30 as of Jul. 18, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Standard Premium Finance Holdings and its competitors. This is 164% above median its historical median of 16.78. Over the past decade, Standard Premium Finance Holdings' EV-to-EBIT has ranged from 11.20 to 48.40. According to the industry distribution chart, Standard Premium Finance Holdings ranks #231 out of 311 companies in the Credit Services industry, placing it in the top 74.3%.
Is Standard Premium Finance Holdings' EV-to-EBIT too high?
Standard Premium Finance Holdings' current EV-to-EBIT of 44.30 is 164% above median its 10-year median of 16.78. Over the past 10 years, this metric has ranged from a low of 11.20 to a high of 48.40. The Credit Services industry median EV-to-EBIT is 24.13. Standard Premium Finance Holdings' value of 44.30 is 83.6% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #231 out of 311 companies in the Credit Services industry, which is below the industry midpoint. 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' EV-to-EBIT compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #231 out of 311 companies for EV-to-EBIT. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median EV-to-EBIT is 24.13. Standard Premium Finance Holdings' value of 44.30 is 83.6% above this benchmark. Historically, Standard Premium Finance Holdings' own EV-to-EBIT has ranged from 11.20 to 48.40 over the past decade. While the company's 10-year median is 16.78 vs. the industry median of 24.13, 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 EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 24.13, based on 311 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current EV-to-EBIT of 44.30 is 83.6% 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median EV-to-EBIT is 24.13 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current EV-to-EBIT is 44.30, which is 164% above median its own 10-year median of 16.78. 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 EV-to-EBIT is 44.30, which is 164% above median its 10-year median of 16.78 and 83.6% above the Credit Services industry median of 24.13. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current EV-to-EBIT is 44.30 as of Jul. 18, 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:
EV-to-EBIT: 44.30 (164% above median its 10-year median of 16.78)
GF Value™: $2.70 vs. price of $3.24 (20% above fair value)
Industry Position: 83.6% above the Credit Services median (#231 of 311)
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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