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What is Standard Premium Finance Holdings FCF Yield %?
Standard Premium Finance HoldingsSPFX 73 FCF Yield % is 30.15 as of Jul. 17, 2026, which is 14% above its 10-year median of 26.48. 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 540 Credit Services companies, Standard Premium Finance Holdings ranks better than 85.93% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Standard Premium Finance Holdings FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Standard Premium Finance Holdings FCF Yield % Related Terms
Standard Premium Finance Holdings FCF Yield % 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 FCF Yield % Chart
For the Credit Services subindustry, Standard Premium Finance Holdings's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's FCF Yield % 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 Yield % of 30.15 as of Jul. 17, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Standard Premium Finance Holdings and its competitors. This is 14% above median its historical median of 26.48. Over the past decade, Standard Premium Finance Holdings' FCF Yield % has ranged from 5.15 to 105.70. According to the industry distribution chart, Standard Premium Finance Holdings ranks #76 out of 540 companies in the Credit Services industry, placing it in the top 14.1%.
Is Standard Premium Finance Holdings' FCF Yield % too high?
Standard Premium Finance Holdings' current FCF Yield % of 30.15 is 14% above median its 10-year median of 26.48. Over the past 10 years, this metric has ranged from a low of 5.15 to a high of 105.70. Based on the distribution chart, Standard Premium Finance Holdings ranks #76 out of 540 companies in the Credit Services industry, which is in the top quartile — a strong position 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' FCF Yield % compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #76 out of 540 companies for FCF Yield %. This places Standard Premium Finance Holdings in the top 14% of its industry — outperforming the majority of peers. Historically, Standard Premium Finance Holdings' own FCF Yield % has ranged from 5.15 to 105.70 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 FCF Yield % for a Credit Services company?
A good FCF Yield % depends on the Credit Services industry context. However, FCF Yield % 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Standard Premium Finance Holdings and its competitors. Standard Premium Finance Holdings's current FCF Yield % is 30.15, which is 14% above median its own 10-year median of 26.48. 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 FCF Yield % is 30.15, which is 14% above median its 10-year median of 26.48. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current FCF Yield % is 30.15 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:
FCF Yield %: 30.15 (14% above median its 10-year median of 26.48)
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
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