SPFX (Standard Premium Finance Holdings) Tariff Resilience Score: 9/10 (As of Jul. 17, 2026)

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SPFX Standard Premium Finance Holdings Inc SPFX
73 GF Score
Price $3.24
GF Value $2.69
Valuation Modestly Overvalued
! 10 Warning Signs
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What is Standard Premium Finance Holdings Tariff Resilience Score?

Standard Premium Finance Holdings SPFX 73 Tariff Resilience Score is 9 as of Jul. 17, 2026. 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 565 Credit Services companies, Standard Premium Finance Holdings ranks better than 99.47% on this metric.

Standard Premium Finance Holdings has the Tariff Resilience Score of 9, which implies that the company might have Highly Resilient.

Standard Premium Finance Holdings has Standard Premium Finance Holdings operates in the financial sector with no direct involvement in international trade. Its business model is not affected by tariffs, providing high resilience against tariff-related risks.

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes Standard Premium Finance Holdings might have Highly Resilient.

Standard Premium Finance Holdings  (OTCPK:SPFX) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

Standard Premium Finance Holdings Tariff Resilience Score Related Terms

SPFX vs SPST, SNTG, VNTA: Tariff Resilience Score Comparison

For the Credit Services subindustry, Standard Premium Finance Holdings's Tariff Resilience Score, along with its competitors' market caps and Tariff Resilience Score 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 Tariff Resilience Score vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Standard Premium Finance Holdings's Tariff Resilience Score distribution charts can be found below:

* The bar in red indicates where Standard Premium Finance Holdings's Tariff Resilience Score falls into.


SPFX
73GF Score
Standard Premium Finance Holdings Inc SPFX
Tariff Resilience Score is just one metric. See GF Score™, valuation, warning signs, and more.
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What does a Tariff Resilience Score of 9 mean?
Standard Premium Finance Holdings (SPFX) has a Tariff Resilience Score of 9 as of Jul. 17, 2026. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. According to the industry distribution chart, Standard Premium Finance Holdings ranks #3 out of 565 companies in the Credit Services industry, placing it in the top 0.5%.
Is Standard Premium Finance Holdings' Tariff Resilience Score too high?
Standard Premium Finance Holdings' current Tariff Resilience Score is 9. Based on the distribution chart, Standard Premium Finance Holdings ranks #3 out of 565 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' Tariff Resilience Score compare to SPST and SNTG?
According to the Credit Services industry distribution chart, Standard Premium Finance Holdings ranks #3 out of 565 companies for Tariff Resilience Score. This places Standard Premium Finance Holdings in the top 1% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tariff Resilience Score for a Credit Services company?
A good Tariff Resilience Score depends on the Credit Services industry context. However, Tariff Resilience Score 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 Tariff Resilience Score mean?
A high Tariff Resilience Score can signal that a stock is expensive relative to its fundamentals. Tariff Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more. Standard Premium Finance Holdings's current Tariff Resilience Score is 9. 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 Tariff Resilience Score is 9. 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 Tariff Resilience Score calculated?
Tariff Resilience Score is calculated from a company's financial statements. For Standard Premium Finance Holdings (SPFX), the current Tariff Resilience Score is 9 as of Jul. 17, 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:

  • Tariff Resilience Score: 9
  • GF Value™: $2.69 vs. price of $3.24 (20.4% above fair value)
  • GF Score™: 73/100 with 10 warning signs

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

Address 13590 South West 134th Avenue, Suite 214, Miami, FL, USA, 33186
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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Tariff Resilience Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$3.24
Price
$2.69
GF Value