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Standard Premium Finance Holdings has the Profitability Rank of 7.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Standard Premium Finance Holdings Profitability Rank Related Terms
SPFX vs SPST, SNTG, VNTA: Profitability Rank Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's Profitability Rank, along with its competitors' market caps and Profitability Rank 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 Profitability Rank vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Profitability Rank falls into.
Standard Premium Finance Holdings Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Standard Premium Finance Holdings has the Profitability Rank of 7.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Profitability Rank of 7 as of Mar. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Standard Premium Finance Holdings and its competitors. This is 133% above median its historical median of 3.00. Over the past decade, Standard Premium Finance Holdings' Profitability Rank has ranged from 2.00 to 7.00.
Is Standard Premium Finance Holdings' Profitability Rank too high?
Standard Premium Finance Holdings' current Profitability Rank of 7 is 133% above median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 7.00. Overall, Standard Premium Finance Holdings has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Premium Finance Holdings' Profitability Rank compare to SPST and SNTG?
Standard Premium Finance Holdings' Profitability Rank of 7 can be compared against companies in the Credit Services industry. Historically, Standard Premium Finance Holdings' own Profitability Rank has ranged from 2.00 to 7.00 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 Profitability Rank for a Credit Services company?
A good Profitability Rank depends on the Credit Services industry context. However, Profitability Rank 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Standard Premium Finance Holdings and its competitors. Standard Premium Finance Holdings's current Profitability Rank is 7, which is 133% above median its own 10-year median of 3.00. 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 $3.24 — trading 19.6% above its estimated fair value. The current Profitability Rank is 7, which is 133% above median its 10-year median of 3.00. Standard Premium Finance Holdings' overall GF Score™ is 72/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Profitability Rank is 7 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 19.6% above its estimated GF Value™ of $2.71.
GuruFocus considers Standard Premium Finance Holdings to be Modestly Overvalued.
Key valuation signals for SPFX:
Profitability Rank: 7 (133% above median its 10-year median of 3.00)
GF Value™: $2.71 vs. price of $3.24 (19.6% 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.
72GF Score
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