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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.
* 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 FCF Margin % Chart
For the Credit Services subindustry, Standard Premium Finance Holdings's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's FCF Margin % falls into.
* 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 FCF Margin % of -1.94% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Standard Premium Finance Holdings and its competitors. According to the industry distribution chart, Standard Premium Finance Holdings ranks #222 out of 534 companies in the Credit Services industry, placing it in the top 41.6%.
Is Standard Premium Finance Holdings' FCF Margin % too high?
Standard Premium Finance Holdings' current FCF Margin % is -1.94%. Based on the distribution chart, Standard Premium Finance Holdings ranks #222 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, Standard Premium Finance Holdings has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' FCF Margin % compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #222 out of 534 companies for FCF Margin %. This puts Standard Premium Finance Holdings in the upper half of its industry. The industry median FCF Margin % is 0.72. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Credit Services company?
The median FCF Margin % among Credit Services companies is 0.72, based on 534 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median FCF Margin % is 0.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current FCF Margin % is -1.94%. 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 $3.20 — trading 19% above its estimated fair value. The current FCF Margin % is -1.94%. Standard Premium Finance Holdings' overall GF Score™ is 62/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current FCF Margin % is -1.94% as of Jun. 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 $3.20 is trading 19% above its estimated GF Value™ of $2.69.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
FCF Margin %: -1.94%
GF Value™: $2.69 vs. price of $3.20 (19% 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.
62GF Score
Get the complete analysis for SPFX
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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