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Standard Premium Finance Holdings (OTCPK:SPFX) Liabilities-to-Assets Explanation
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Standard Premium Finance Holdings Liabilities-to-Assets Related Terms
Standard Premium Finance Holdings Liabilities-to-Assets 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 Liabilities-to-Assets Chart
SPFX vs SNTG, SPST, JF: Liabilities-to-Assets Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Liabilities-to-Assets falls into.
Standard Premium Finance Holdings Liabilities-to-Assets Calculation
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
* 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 Liabilities-to-Assets of 0.90 as of Mar. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Standard Premium Finance Holdings and its competitors.
Is Standard Premium Finance Holdings' Liabilities-to-Assets too high?
Standard Premium Finance Holdings' current Liabilities-to-Assets is 0.90. 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' Liabilities-to-Assets compare to SNTG and SPST?
Standard Premium Finance Holdings' Liabilities-to-Assets of 0.90 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Credit Services company?
A good Liabilities-to-Assets depends on the Credit Services industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Standard Premium Finance Holdings and its competitors. Standard Premium Finance Holdings's current Liabilities-to-Assets is 0.90. 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 $2.71, compared to a current price of $3.15 — trading 16.2% above its estimated fair value. The current Liabilities-to-Assets is 0.90. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Liabilities-to-Assets is 0.90 as of Mar. 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 $3.15 is trading 16.2% above its estimated GF Value™ of $2.71.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
Liabilities-to-Assets: 0.90
GF Value™: $2.71 vs. price of $3.15 (16.2% 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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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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