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-FCF?
Standard Premium Finance HoldingsSPFX 73 EV-to-FCF is 26.57 as of Jul. 17, 2026, which is 2% above its 10-year median of 25.96. 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 263 Credit Services companies, Standard Premium Finance Holdings ranks worse than 65.02% on this metric.
SPFX'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.58 Med: 25.96 Max: 106.88
Current: 26.57
During the past 7 years, the highest EV-to-FCF of Standard Premium Finance Holdings was 106.88. The lowest was 6.58. And the median was 25.96.
SPFX's EV-to-FCF is ranked worse than 65.02% of 263
companies
in the Credit Services industry
Industry Median: 13.68
vs SPFX: 26.57
EV-to-FCF 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-FCF Explanation
EV-to-FCF 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Standard Premium Finance Holdings EV-to-FCF Related Terms
Standard Premium Finance Holdings EV-to-FCF 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-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's EV-to-FCF falls into.
Standard Premium Finance Holdings's current Enterprise Value is $76.06 Mil.
Standard Premium Finance Holdings's Free Cash Flow 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 $2.86 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-FCF of 26.57 as of Jul. 17, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Standard Premium Finance Holdings and its competitors. This is near median its historical median of 25.96. Over the past decade, Standard Premium Finance Holdings' EV-to-FCF has ranged from 6.58 to 106.88. According to the industry distribution chart, Standard Premium Finance Holdings ranks #171 out of 263 companies in the Credit Services industry, placing it in the top 65%.
Is Standard Premium Finance Holdings' EV-to-FCF too high?
Standard Premium Finance Holdings' current EV-to-FCF of 26.57 is near median its 10-year median of 25.96. Over the past 10 years, this metric has ranged from a low of 6.58 to a high of 106.88. The Credit Services industry median EV-to-FCF is 13.68. Standard Premium Finance Holdings' value of 26.57 is 94.2% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #171 out of 263 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-FCF compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #171 out of 263 companies for EV-to-FCF. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median EV-to-FCF is 13.68. Standard Premium Finance Holdings' value of 26.57 is 94.2% above this benchmark. Historically, Standard Premium Finance Holdings' own EV-to-FCF has ranged from 6.58 to 106.88 over the past decade. While the company's 10-year median is 25.96 vs. the industry median of 13.68, 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-FCF for a Credit Services company?
The median EV-to-FCF among Credit Services companies is 13.68, based on 263 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 26.57 is 94.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median EV-to-FCF is 13.68 — 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-FCF is 26.57, which is near median its own 10-year median of 25.96. 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-FCF is 26.57, which is near median its 10-year median of 25.96 and 94.2% above the Credit Services industry median of 13.68. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current EV-to-FCF is 26.57 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-FCF: 26.57 (near median its 10-year median of 25.96)
GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
Industry Position: 94.2% above the Credit Services median (#171 of 263)
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-FCF 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 
