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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Standard Premium Finance Holdings's 5-Year RORE % for the quarter that ended in Mar. 2026 was 1.49%.
SPFX's 5-Year RORE % is ranked worse than 57.08% of 487
companies
in the Credit Services industry
Industry Median: 7.56
vs SPFX: 1.49
Standard Premium Finance Holdings (OTCPK:SPFX) 5-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 5-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Standard Premium Finance Holdings 5-Year RORE % Related Terms
Standard Premium Finance Holdings 5-Year RORE % 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 5-Year RORE % Chart
SPFX vs SPST, SNTG, VNTA: 5-Year RORE % Comparison
For the Credit Services subindustry, Standard Premium Finance Holdings's 5-Year RORE %, along with its competitors' market caps and 5-Year RORE % 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 5-Year RORE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where Standard Premium Finance Holdings's 5-Year RORE % 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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 5-year before.
Standard Premium Finance Holdings (SPFX) has a 5-Year RORE % of 1.49 as of Mar. 2026. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Standard Premium Finance Holdings and its competitors. According to the industry distribution chart, Standard Premium Finance Holdings ranks #278 out of 487 companies in the Credit Services industry, placing it in the top 57.1%.
Is Standard Premium Finance Holdings' 5-Year RORE % too high?
Standard Premium Finance Holdings' current 5-Year RORE % is 1.49. The Credit Services industry median 5-Year RORE % is 7.56. Standard Premium Finance Holdings' value of 1.49 is 80.3% below this industry median. Based on the distribution chart, Standard Premium Finance Holdings ranks #278 out of 487 companies in the Credit Services industry, which is below the industry midpoint. 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' 5-Year RORE % compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #278 out of 487 companies for 5-Year RORE %. This places Standard Premium Finance Holdings in the lower half of its industry. The industry median 5-Year RORE % is 7.56. Standard Premium Finance Holdings' value of 1.49 is 80.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year RORE % for a Credit Services company?
The median 5-Year RORE % among Credit Services companies is 7.56, based on 487 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Standard Premium Finance Holdings's current 5-Year RORE % of 1.49 is 80.3% 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 5-Year RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on Standard Premium Finance Holdings and its competitors. For the Credit Services industry, the median 5-Year RORE % is 7.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Standard Premium Finance Holdings's current 5-Year RORE % is 1.49. 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 5-Year RORE % is 1.49 and 80.3% below the Credit Services industry median of 7.56. 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 5-Year RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current 5-Year RORE % is 1.49 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:
5-Year RORE %: 1.49
GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
Industry Position: 80.3% below the Credit Services median (#278 of 487)
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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