Standard Premium Finance Holdings, Inc.
Standard Premium Finance Holdings, Inc. Fundamental Analysis
Standard Premium Finance Holdings, Inc. (SPFX) shows moderate financial fundamentals with a PE ratio of 5.09, profit margin of 9.74%, and ROE of 15.10%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 38.0/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SPFX's fundamental strength across five key dimensions:
Efficiency Score
WeakSPFX struggles to generate sufficient returns from assets.
Valuation Score
ExcellentSPFX trades at attractive valuation levels.
Growth Score
ModerateSPFX shows steady but slowing expansion.
Financial Health Score
ModerateSPFX shows balanced financial health with some risks.
Profitability Score
ModerateSPFX maintains healthy but balanced margins.
Key Financial Metrics
Is SPFX Expensive or Cheap?
P/E Ratio
SPFX trades at 5.09 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, SPFX's PEG of 0.33 indicates potential undervaluation.
Price to Book
The market values Standard Premium Finance Holdings, Inc. at 0.73 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.00 times EBITDA. This is generally considered low.
How Well Does SPFX Make Money?
Net Profit Margin
For every $100 in sales, Standard Premium Finance Holdings, Inc. keeps $9.74 as profit after all expenses.
Operating Margin
Core operations generate 45.70 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.10 in profit for every $100 of shareholder equity.
ROA
Standard Premium Finance Holdings, Inc. generates $1.62 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Standard Premium Finance Holdings, Inc. produces operating cash flow of $2.88M, showing steady but balanced cash generation.
Free Cash Flow
Standard Premium Finance Holdings, Inc. generates strong free cash flow of $2.85M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.95 in free cash annually.
FCF Yield
SPFX converts 41.31% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.09
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.33
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.73
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.50
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
7.56
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.32
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.15
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.30
vs 25 benchmark
How SPFX Stacks Against Its Sector Peers
| Metric | SPFX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.09 | 18.66 | Better (Cheaper) |
| ROE | 15.10% | 804.00% | Weak |
| Net Margin | 9.74% | 2258.00% | Weak |
| Debt/Equity | 7.56 | 1.03 | Weak (High Leverage) |
| Current Ratio | 1.32 | 662.03 | Neutral |
| ROA | 1.62% | -24049.00% (disorted) | Weak |
SPFX outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Standard Premium Finance Holdings, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical