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.
What is Standard Premium Finance Holdings EV-to-OCF?
Standard Premium Finance HoldingsSPFX 73 EV-to-OCF is 26.31 as of Jul. 17, 2026, which is 2% above its 10-year median of 25.71. 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. Among 541 Credit Services companies, Standard Premium Finance Holdings ranks worse than 82.44% on this metric.
SPFX'
s EV-to-OCF Range Over the Past 10 Years
Min: 6.55 Med: 25.71 Max: 99.75
Current: 26.31
During the past 7 years, the highest EV-to-OCF of Standard Premium Finance Holdings was 99.75. The lowest was 6.55. And the median was 25.71.
SPFX's EV-to-OCF is ranked worse than 82.44% of 541
companies
in the Credit Services industry
Industry Median: -0.51
vs SPFX: 26.31
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Standard Premium Finance Holdings (OTCPK:SPFX) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Standard Premium Finance Holdings's PE Ratio (TTM) for today is calculated as:
Standard Premium Finance Holdings's share price for today is $3.24.
Standard Premium Finance Holdings's 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 $0.310.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Standard Premium Finance Holdings EV-to-OCF Related Terms
Standard Premium Finance Holdings EV-to-OCF 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.
For the Credit Services subindustry, Standard Premium Finance Holdings's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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-OCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's EV-to-OCF falls into.
Standard Premium Finance Holdings's current Enterprise Value is $76.06 Mil.
Standard Premium Finance Holdings's Cash Flow from Operations 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 $2.89 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-OCF of 26.31 as of Jul. 17, 2026. This is near median its historical median of 25.71. Over the past decade, Standard Premium Finance Holdings' EV-to-OCF has ranged from 6.55 to 99.75. According to the industry distribution chart, Standard Premium Finance Holdings ranks #446 out of 541 companies in the Credit Services industry, placing it in the top 82.4%.
Is Standard Premium Finance Holdings' EV-to-OCF too high?
Standard Premium Finance Holdings' current EV-to-OCF of 26.31 is near median its 10-year median of 25.71. Over the past 10 years, this metric has ranged from a low of 6.55 to a high of 99.75. Based on the distribution chart, Standard Premium Finance Holdings ranks #446 out of 541 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' EV-to-OCF compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #446 out of 541 companies for EV-to-OCF. This places Standard Premium Finance Holdings in the lower half of its industry. Historically, Standard Premium Finance Holdings' own EV-to-OCF has ranged from 6.55 to 99.75 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Credit Services company?
A good EV-to-OCF depends on the Credit Services industry context. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. Standard Premium Finance Holdings's current EV-to-OCF is 26.31, which is near median its own 10-year median of 25.71. 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 EV-to-OCF is 26.31, which is near median its 10-year median of 25.71. 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-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current EV-to-OCF is 26.31 as of Jul. 17, 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:
EV-to-OCF: 26.31 (near median its 10-year median of 25.71)
GF Value™: $2.69 vs. price of $3.24 (20.4% 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 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
Get the complete analysis for SPFX
EV-to-OCF 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 
