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Standard Premium Finance HoldingsSPFX 73 Return-on-Tangible-Equity is 19.02% as of Mar. 2026, which is 24% above its 10-year median of 15.37. 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 525 Credit Services companies, Standard Premium Finance Holdings ranks better than 77.9% on this metric.
The historical rank and industry rank for Standard Premium Finance Holdings's Return-on-Tangible-Equity or its related term are showing as below:
SPFX'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.62 Med: 15.37 Max: 21.32
Current: 15.74
During the past 7 years, Standard Premium Finance Holdings's highest Return-on-Tangible-Equity was 21.32%. The lowest was 8.62%. And the median was 15.37%.
SPFX's Return-on-Tangible-Equity is ranked better than 77.9% of 525
companies
in the Credit Services industry
Industry Median: 7.01
vs SPFX: 15.74
Standard Premium Finance Holdings (OTCPK:SPFX) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Standard Premium Finance Holdings Return-on-Tangible-Equity Related Terms
Standard Premium Finance Holdings Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
SPFX vs SPST, SNTG, VNTA: Return-on-Tangible-Equity Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.02% mean?
Standard Premium Finance Holdings (SPFX) has a Return-on-Tangible-Equity of 19.02% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Standard Premium Finance Holdings and its competitors. This is 24% above median its historical median of 15.37. Over the past decade, Standard Premium Finance Holdings' Return-on-Tangible-Equity has ranged from 8.62 to 21.32. According to the industry distribution chart, Standard Premium Finance Holdings ranks #116 out of 525 companies in the Credit Services industry, placing it in the top 22.1%.
Is Standard Premium Finance Holdings' Return-on-Tangible-Equity too high?
Standard Premium Finance Holdings' current Return-on-Tangible-Equity of 19.02% is 24% above median its 10-year median of 15.37. Over the past 10 years, this metric has ranged from a low of 8.62 to a high of 21.32. The Credit Services industry median Return-on-Tangible-Equity is 7.01. Standard Premium Finance Holdings' value of 19.02% is 171.3% above this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #116 out of 525 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' Return-on-Tangible-Equity compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #116 out of 525 companies for Return-on-Tangible-Equity. This places Standard Premium Finance Holdings in the top 22% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 7.01. Standard Premium Finance Holdings' value of 19.02% is 171.3% above this benchmark. Historically, Standard Premium Finance Holdings' own Return-on-Tangible-Equity has ranged from 8.62 to 21.32 over the past decade. While the company's 10-year median is 15.37 vs. the industry median of 7.01, 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 Return-on-Tangible-Equity for a Credit Services company?
The median Return-on-Tangible-Equity among Credit Services companies is 7.01, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current Return-on-Tangible-Equity of 19.02% is 171.3% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median Return-on-Tangible-Equity is 7.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current Return-on-Tangible-Equity is 19.02%, which is 24% above median its own 10-year median of 15.37. 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 Return-on-Tangible-Equity is 19.02%, which is 24% above median its 10-year median of 15.37 and 171.3% above the Credit Services industry median of 7.01. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Return-on-Tangible-Equity is 19.02% 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:
Return-on-Tangible-Equity: 19.02% (24% above median its 10-year median of 15.37)
GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
Industry Position: 171.3% above the Credit Services median (#116 of 525)
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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