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What is Standard Premium Finance Holdings OCF Yield %?
Standard Premium Finance HoldingsSPFX 62 OCF Yield % is 14.05 as of Sep. 01, 2026, which is 44% below its 10-year median of 24.93. GuruFocus rates SPFX with a GF Score™ of 62/100 and a GF Value™ of $2.69 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 542 Credit Services companies, Standard Premium Finance Holdings ranks better than 73.25% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Standard Premium Finance Holdings OCF Yield % Explanation
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
Standard Premium Finance Holdings OCF 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 OCF Yield % Chart
For the Credit Services subindustry, Standard Premium Finance Holdings's OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's OCF 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 OCF Yield % of 14.05 as of Sep. 01, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Standard Premium Finance Holdings and its competitors. This is 44% below median its historical median of 24.93. Over the past decade, Standard Premium Finance Holdings' OCF Yield % has ranged from 5.15 to 106.20. According to the industry distribution chart, Standard Premium Finance Holdings ranks #145 out of 542 companies in the Credit Services industry, placing it in the top 26.8%.
Is Standard Premium Finance Holdings' OCF Yield % too high?
Standard Premium Finance Holdings' current OCF Yield % of 14.05 is 44% below median its 10-year median of 24.93. Over the past 10 years, this metric has ranged from a low of 5.15 to a high of 106.20. The Credit Services industry median OCF Yield % is 0.17. Standard Premium Finance Holdings' value of 14.05 is 8415.2% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #145 out of 542 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' OCF Yield % compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #145 out of 542 companies for OCF Yield %. This puts Standard Premium Finance Holdings in the upper half of its industry. The industry median OCF Yield % is 0.17. Standard Premium Finance Holdings' value of 14.05 is 8415.2% above this benchmark. Historically, Standard Premium Finance Holdings' own OCF Yield % has ranged from 5.15 to 106.20 over the past decade. While the company's 10-year median is 24.93 vs. the industry median of 0.17, 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 OCF Yield % for a Credit Services company?
The median OCF Yield % among Credit Services companies is 0.17, based on 542 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current OCF Yield % of 14.05 is 8415.2% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median OCF Yield % is 0.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current OCF Yield % is 14.05, which is 44% below median its own 10-year median of 24.93. 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 OCF Yield % is 14.05, which is 44% below median its 10-year median of 24.93 and 8415.2% above the Credit Services industry median of 0.17. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current OCF Yield % is 14.05 as of Sep. 01, 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:
OCF Yield %: 14.05 (44% below median its 10-year median of 24.93)
GF Value™: $2.69 vs. price of $3.20 (19% above fair value)
Industry Position: 8415.2% above the Credit Services median (#145 of 542)
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
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