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What is Standard Premium Finance Holdings Quick Ratio?
Standard Premium Finance HoldingsSPFX 73 Quick Ratio is 1.26 as of Mar. 2026, which is 6200% above its 10-year median of 0.02. 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 396 Credit Services companies, Standard Premium Finance Holdings ranks worse than 78.54% on this metric.
SPFX'
s Quick Ratio Range Over the Past 10 Years
Min: 0.01 Med: 0.02 Max: 1.29
Current: 1.26
During the past 7 years, Standard Premium Finance Holdings's highest Quick Ratio was 1.29. The lowest was 0.01. And the median was 0.02.
SPFX's Quick Ratio is ranked worse than 78.54% of 396
companies
in the Credit Services industry
Industry Median: 4.27
vs SPFX: 1.26
Standard Premium Finance Holdings (OTCPK:SPFX) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Standard Premium Finance Holdings Quick Ratio Related Terms
Standard Premium Finance Holdings Quick Ratio 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 Quick Ratio Chart
For the Credit Services subindustry, Standard Premium Finance Holdings's Quick Ratio, along with its competitors' market caps and Quick Ratio 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 Quick Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Quick Ratio falls into.
Standard Premium Finance Holdings Quick Ratio Calculation
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
* 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 Quick Ratio of 1.26 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Standard Premium Finance Holdings and its competitors. This is 6200% above median its historical median of 0.02. Over the past decade, Standard Premium Finance Holdings' Quick Ratio has ranged from 0.01 to 1.29. According to the industry distribution chart, Standard Premium Finance Holdings ranks #311 out of 396 companies in the Credit Services industry, placing it in the top 78.5%.
Is Standard Premium Finance Holdings' Quick Ratio too high?
Standard Premium Finance Holdings' current Quick Ratio of 1.26 is 6200% above median its 10-year median of 0.02. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 1.29. The Credit Services industry median Quick Ratio is 4.27. Standard Premium Finance Holdings' value of 1.26 is 70.5% below this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #311 out of 396 companies in the Credit Services industry, which is in the bottom quartile 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' Quick Ratio compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #311 out of 396 companies for Quick Ratio. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median Quick Ratio is 4.27. Standard Premium Finance Holdings' value of 1.26 is 70.5% below this benchmark. Historically, Standard Premium Finance Holdings' own Quick Ratio has ranged from 0.01 to 1.29 over the past decade. While the company's 10-year median is 0.02 vs. the industry median of 4.27, Standard Premium Finance Holdings has consistently been below 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 Quick Ratio for a Credit Services company?
The median Quick Ratio among Credit Services companies is 4.27, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current Quick Ratio of 1.26 is 70.5% below 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median Quick Ratio is 4.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current Quick Ratio is 1.26, which is 6200% above median its own 10-year median of 0.02. 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 Quick Ratio is 1.26, which is 6200% above median its 10-year median of 0.02 and 70.5% below the Credit Services industry median of 4.27. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Quick Ratio is 1.26 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 $3.24 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:
Quick Ratio: 1.26 (6200% above median its 10-year median of 0.02)
GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
Industry Position: 70.5% below the Credit Services median (#311 of 396)
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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