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Standard Premium Finance Holdings, Inc. SPFX

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Price alert · SPFX

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3.05 USD 0.00 0.00%

At close · Oct 30

2.51 Day range 2.51
1.56 52-week range 3.25
YTD
+45.05%
1 year
+74.06%
Open
2.51
Prev close
3.05
Mkt cap
8.93M
Vol
250
Avg vol
679
EPS
0.35
P/E
8.70
More statistics
Low
2.51
High
2.51

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Financial health

Altman Z-Score

0.66 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 5.7×
FY 2018: 26.5×FY 2019: 28.1×FY 2020: 20.5×FY 2021: 16.1×FY 2022: 25.8×FY 2023: 32.6×FY 2024: 6.5×FY 2025: 5.7×
FY 2018 5y median 16.1× FY 2025
P/S 0.5×
FY 2018: 2.2×FY 2019: 2.4×FY 2020: 2.3×FY 2021: 2.0×FY 2022: 2.6×FY 2023: 1.5×FY 2024: 0.5×FY 2025: 0.5×
FY 2018 5y median 1.5× FY 2025
P/B 0.7×
FY 2018: 0.4×FY 2019: 4.2×FY 2020: 3.5×FY 2021: 2.9×FY 2022: 3.1×FY 2023: 2.1×FY 2024: 0.8×FY 2025: 0.7×
FY 2018 5y median 2.1× FY 2025
P/FCF 2.2×
FY 2018: -23.9×FY 2019: -2.8×FY 2020: 10.3×FY 2021: 6.4×FY 2022: 11.9×FY 2023: 5.1×FY 2024: 3.1×FY 2025: 2.2×
FY 2018 5y median 5.1× FY 2025
EV/EBITDA 11.7×
FY 2018: 5.2×FY 2019: 62.5×FY 2020: 41.9×FY 2021: 40.5×FY 2022: 52.7×FY 2023: 74.9×FY 2024: 39.9×FY 2025: 11.7×
FY 2018 5y median 40.5× FY 2025
EV/Sales 5.5×
FY 2018: 2.2×FY 2019: 8.7×FY 2020: 8.3×FY 2021: 8.0×FY 2022: 8.5×FY 2023: 7.6×FY 2024: 5.6×FY 2025: 5.5×
FY 2018 5y median 7.6× FY 2025
FCF Yield 45.2%
FY 2018: -4.2%FY 2019: -35.3%FY 2020: 9.8%FY 2021: 15.5%FY 2022: 8.4%FY 2023: 19.8%FY 2024: 32.0%FY 2025: 45.2%
FY 2018 5y median 19.8% FY 2025

Profitability

Gross Margin 83.8%
FY 2018: 86.0%FY 2019: 42.6%FY 2020: 50.3%FY 2021: 49.3%FY 2022: 45.1%FY 2023: 35.4%FY 2024: 38.3%FY 2025: 83.8%
FY 2018 5y median 45.1% FY 2025
Operating Margin 45.7%
FY 2018: 2.2%FY 2019: 11.3%FY 2020: 17.5%FY 2021: 17.8%FY 2022: 14.1%FY 2023: 8.3%FY 2024: 12.3%FY 2025: 45.7%
FY 2018 5y median 14.1% FY 2025
Net Margin 9.7%
FY 2018: 8.5%FY 2019: 9.0%FY 2020: 12.3%FY 2021: 13.2%FY 2022: 11.2%FY 2023: 6.2%FY 2024: 9.2%FY 2025: 9.7%
FY 2018 5y median 9.7% FY 2025
ROE 14.3%
FY 2018: 1.4%FY 2019: 16.0%FY 2020: 18.7%FY 2021: 19.3%FY 2022: 13.5%FY 2023: 8.3%FY 2024: 13.3%FY 2025: 14.3%
FY 2018 5y median 13.5% FY 2025
ROIC 6.0%
FY 2018: 0.0%FY 2019: 1.3%FY 2020: 7.2%FY 2021: 7.8%FY 2022: 1.7%FY 2023: 0.9%FY 2024: 1.5%FY 2025: 6.0%
FY 2018 5y median 1.7% FY 2025
ROA 1.6%
FY 2018: 2.0%FY 2019: 1.2%FY 2020: 1.7%FY 2021: 1.8%FY 2022: 1.6%FY 2023: 0.9%FY 2024: 1.5%FY 2025: 1.6%
FY 2018 5y median 1.6% FY 2025

Growth (YoY)

Revenue 16.6%
FY 2018: 0.0%FY 2019: -7.2%FY 2020: 2.2%FY 2021: 19.2%FY 2022: 7.8%FY 2023: 19.4%FY 2024: 24.7%FY 2025: 16.6%
FY 2018 FY 2025
Operating Income 331.7%
FY 2018: 0.0%FY 2019: 385.2%FY 2020: 58.5%FY 2021: 21.3%FY 2022: -14.7%FY 2023: -29.6%FY 2024: 85.2%FY 2025: 331.7%
FY 2018 FY 2025
EPS (diluted) 23.8%
FY 2018: 0.0%FY 2019: -5.9%FY 2020: 37.5%FY 2021: 27.3%FY 2022: -10.7%FY 2023: -48.0%FY 2024: 61.5%FY 2025: 23.8%
FY 2018 FY 2025
Free Cash Flow 61.0%
FY 2018: 0.0%FY 2019: -745.4%FY 2020: 127.6%FY 2021: 59.2%FY 2022: -22.3%FY 2023: 66.3%FY 2024: -32.5%FY 2025: 61.0%
FY 2018 FY 2025

Financial Health

Current Ratio 1.3×
FY 2018: 1.8×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 1.3×FY 2025: 1.3×
FY 2018 5y median 1.3× FY 2025
Quick Ratio 1.3×
FY 2018: 1.8×FY 2019: 1.3×FY 2020: 2.6×FY 2021: 2.6×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 1.3×FY 2025: 1.3×
FY 2018 5y median 1.3× FY 2025
Debt / Equity 7.3×
FY 2018: 0.0×FY 2019: 11.4×FY 2020: 9.2×FY 2021: 8.9×FY 2022: 7.1×FY 2023: 8.1×FY 2024: 7.3×FY 2025: 7.3×
FY 2018 5y median 7.3× FY 2025
Net Debt / EBITDA 10.6×
FY 2018: 0.1×FY 2019: 45.4×FY 2020: 30.2×FY 2021: 30.6×FY 2022: 36.4×FY 2023: 59.6×FY 2024: 36.2×FY 2025: 10.6×
FY 2018 5y median 36.2× FY 2025
Interest Coverage 1.4×
FY 2018: 0.0×FY 2019: 0.2×FY 2020: 0.4×FY 2021: 0.5×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 1.4×
FY 2018 5y median 0.3× FY 2025

Dividends

Dividend Yield 1.8%
FY 2018: 0.0%FY 2019: 0.7%FY 2020: 0.4%FY 2021: 0.5%FY 2022: 0.5%FY 2023: 0.9%FY 2024: 2.1%FY 2025: 1.8%
FY 2018 5y median 0.9% FY 2025
Payout Ratio 9.6%
FY 2018: 0.0%FY 2019: 19.1%FY 2020: 7.1%FY 2021: 7.9%FY 2022: 11.1%FY 2023: 21.8%FY 2024: 11.9%FY 2025: 9.6%
FY 2018 5y median 11.1% FY 2025

Annual · latest fiscal year ends 2025-12-31