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STANDARD PREMIUM FINANCE HOLDINGS, INC.

Data quality: 100%
SPFX
OTC Financial Services Nondepository Credit Institutions
$2.55
$0.00 (0.00%)
Mkt Cap: 7.66 M
Price
$2.55
Mkt Cap
7.66 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
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Quick Summary

Key Takeaways

Revenue grew 12.94% annually over 5 years — strong growth
Earnings grew 23.87% over the past year
ROE of 15.14% — decent returns on equity
Generating 2.85 M in free cash flow
P/E of 6.31 — trading at a low valuation
PEG of 0.74 suggests growth is underpriced

Growth

Revenue Growth (5Y)
12.94%
Above sector avg (5.76%)
Revenue (1Y)2.69%
Earnings (1Y)23.87%
FCF Growth (3Y)4.27%

Quality

Return on Equity
15.14%
Above sector avg (9.22%)
ROICN/A
Net Margin9.74%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current Ratio1.24
Interest CoverageN/A

Valuation

PE (TTM)
6.31
Below sector avg (11.12)
P/B Ratio0.94
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2698 peers)
Metric Stock Sector Median
P/E 6.3 11.1
P/B 0.9 1.2
ROE % 15.1 9.2
Net Margin % 9.7 9.4
Rev Growth 5Y % 12.9 5.8
D/E — 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

All Fundamental Metrics
Growth
Revenue Growth (1Y) 2.69% Revenue Growth (3Y) 13.25%
Earnings Growth (1Y) 23.87% Earnings Growth (3Y) 51.00%
Revenue Growth (5Y) 12.94% Earnings Growth (5Y) 8.49%
Profitability
Revenue (TTM) 12.47 M Net Income (TTM) 1.21 M
ROE 15.14% ROA 1.65%
Gross Margin N/A Operating Margin N/A
Net Margin 9.74% Free Cash Flow (TTM) 2.85 M
ROIC N/A FCF Growth (3Y) 4.27%
Safety
Debt / Equity N/A Current Ratio 1.24
Interest Coverage N/A Asset Turnover 0.17
Working Capital 14.18 M Tangible Book Value 8.14 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 6.31 Forward P/E N/A
P/B Ratio 0.94 P/S Ratio 0.61
PEG Ratio 0.74 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 37.21%
Market Cap 7.66 M Enterprise Value 7.66 M
Per Share
EPS (Diluted TTM) 0.29 Revenue / Share 4.16
FCF / Share 0.95 OCF / Share 0.96
EPS CAGR (1Y) 20.83% EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.27% FCF Conversion 234.78%
SBC-Adj. FCF 2.84 M Growth Momentum -10.25

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 12.47 M 12.14 M 9.72 M 8.16 M 7.66 M
Net Income 1.21 M 979,993.0 532,402.0 806,131.0 876,323.0
EPS (Diluted) 0.29 0.24 0.13 0.21 —
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 46,501.0 40,477.0 25,292.0 22,283.0 34,682.0
Interest Expense 4.11 M 4.41 M 3.80 M 2.33 M 1.73 M
Income Tax 378,295.0 340,146.0 180,491.0 206,190.0 310,007.0

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 74.82 M 65.85 M 62.38 M 51.49 M 48.52 M
Total Liabilities 66.36 M 58.50 M 55.98 M 45.54 M 43.98 M
Shareholders' Equity 8.46 M 7.35 M 6.40 M 5.95 M 4.53 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets 73.20 M 64.27 M 61.09 M 50.24 M 47.23 M
Current Liabilities 58.07 M 49.71 M 49.43 M 37.54 M 37.61 M