Standard Premium Finance Holdings, Inc. (SPFX)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Standard Premium Finance Holdings, Inc. (SPFX) trades at $3.25. Standard Premium Finance Holdings, Inc. provides collateralized loans for insurance premiums, operating in several states. Market cap: $9.75M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for SPFX: SPFX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates SPFX against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
SPFX: 1/1 perspectives are bearish.
How is this calculated? →Standard Premium Finance Holdings, Inc. (SPFX) Financial Services Profile
Standard Premium Finance Holdings, Inc. offers specialized financing solutions for commercial property and casualty insurance premiums. Operating across seven states, the company targets businesses and individuals seeking to manage insurance costs through collateralized loans, distinguishing itself within the financial services sector with a niche focus and a small-cap profile.
What Is the Investment Thesis for SPFX?
Standard Premium Finance Holdings, Inc. presents a focused investment opportunity within the niche market of insurance premium financing. With a P/E ratio of 5.1 and a profit margin of 9.9%, the company demonstrates profitability, albeit within a small market capitalization of $9.75M. Growth catalysts include expanding its operational footprint within its existing seven-state area and potentially entering new, demographically similar markets. However, the company's OTC listing and small size introduce liquidity and regulatory risks. The negative beta of -0.22 suggests a potential hedge against broader market volatility, but the lack of dividend yield may deter income-focused investors. Investors should carefully weigh the growth potential against the inherent risks associated with a micro-cap OTC-listed company.
Based on FMP financials and quantitative analysis
SPFX Key Highlights
- Market capitalization of $9.75M indicates a micro-cap company with potential for high growth but also higher volatility.
- P/E ratio of 5.1 suggests the company may be undervalued compared to its earnings.
- Profit margin of 9.9% demonstrates the company's ability to generate profit from its revenue.
- Gross margin of 51.6% reflects efficient cost management in its lending operations.
- Beta of -0.22 indicates a negative correlation with the market, potentially offering diversification benefits.
Who Are SPFX's Competitors?
SPFX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| ITPC Intrepid Capital Corporation | $155.01 | -0.00% | $6.69M | 50 |
| ATLC Atlanticus Holdings Corporation | $96.44 | +0.04% | $1.46B | 71 |
| LPRO Open Lending Corporation | $3.13 | +0.64% | $370.35M | 68 |
| ATLCZ Atlanticus Holdings Corporation 9.25% Senior Notes due 2029 | $25.30 | +0.38% | $1.46B | 68 |
| AHG Akso Health Group | $1.51 | -0.66% | $143.04M | 67 |
| BBDC Barings BDC, Inc. | $8.57 | +0.00% | $897.35M | 52 |
| SWRD Stewards Inc. | $2.50 | +0.00% | $522.76M | 52 |
| SLM SLM Corporation | $25.58 | -0.06% | $4.82B | 52 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are SPFX's Key Strengths?
- Niche market focus on insurance premium financing.
- Collateralized loan structure reduces risk.
- Regional presence in growing markets.
- Established operations since 2016.
What Are SPFX's Weaknesses?
- Small market capitalization limits access to capital.
- OTC listing increases regulatory and liquidity risks.
- Limited geographic diversification.
- Dependence on the insurance market.
What Could Drive SPFX Stock Higher?
- Expansion into new geographic markets within the Southeast and Southwest.
- Development and implementation of a more robust digital marketing strategy.
- Potential partnerships with insurance agencies to drive loan volume.
- Introduction of new financing products for different types of insurance policies.
What Are the Key Risks for SPFX?
- Financial-distress signal — its Altman Z-Score of 0.65 sits in the distress zone (elevated bankruptcy risk).
- Economic downturn impacting the demand for insurance premium financing.
- Increased competition from larger, more established financial institutions.
- Changes in insurance regulations affecting the company's business model.
- Limited liquidity due to OTC listing and small market capitalization.
- Dependence on the insurance market exposes the company to sector-specific risks.
What Are the Growth Opportunities for SPFX?
- Geographic Expansion: Standard Premium Finance Holdings, Inc. has the opportunity to expand its operations into new states with similar demographics and insurance market characteristics as its current operational footprint. Focusing on states adjacent to its existing markets in the Southeast and Southwest could allow for efficient scaling of operations and leveraging existing infrastructure. This expansion could increase revenue by targeting new customer bases and diversifying its risk profile. A phased approach, targeting one new state per year, could be a manageable strategy.
- Product Diversification: The company could diversify its product offerings beyond traditional commercial property and casualty insurance premium financing. Introducing financing options for other types of insurance, such as health or life insurance, could broaden its customer base and revenue streams. This diversification could mitigate risks associated with fluctuations in the commercial property and casualty insurance market. Market research into the demand for financing in these other insurance sectors would be crucial.
- Technological Enhancement: Investing in technology to streamline its loan application and approval processes could improve efficiency and customer experience. Implementing an online portal for applications, automated underwriting, and digital payment options could attract a wider range of customers and reduce operational costs. This technological upgrade could also enable better data analytics for risk assessment and targeted marketing.
- Strategic Partnerships: Forming strategic partnerships with insurance agencies and brokers could provide a steady stream of referrals and increase market penetration. Offering incentives to agents for referring clients to SPFX could create a mutually beneficial relationship and drive loan volume. These partnerships could also provide valuable insights into market trends and customer needs.
- Enhanced Marketing: Implementing a more robust marketing strategy could increase brand awareness and attract new customers. Utilizing digital marketing channels, such as search engine optimization (SEO) and social media advertising, could target businesses and individuals seeking insurance premium financing. Participating in industry events and trade shows could also raise the company's profile and generate leads.
What Opportunities Does SPFX Have?
- Geographic expansion into new states.
- Product diversification into other insurance types.
- Technological enhancements to improve efficiency.
- Strategic partnerships with insurance agencies.
What Threats Does SPFX Face?
- Economic downturn impacting insurance sales.
- Increased competition from larger financial institutions.
- Changes in insurance regulations.
- Interest rate fluctuations affecting loan profitability.
What Are SPFX's Competitive Advantages?
- Specialized focus on insurance premium financing.
- Regional presence in specific states.
- Collateralized loan structure mitigates risk.
- Established relationships with insurance agencies (potential).
What Does SPFX Do?
Standard Premium Finance Holdings, Inc., incorporated in 2016 and based in Miami, Florida, operates in the insurance premium financing business. The company provides collateralized loans that enable businesses and individuals to finance their commercial property and casualty insurance premiums. This service allows clients to maintain necessary insurance coverage without straining their immediate cash flow. SPFX operates in Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Arizona, focusing on regional growth within these states. The company's core offering is structured around providing financial flexibility to insurance policyholders, allowing them to spread the cost of premiums over time. This targeted approach differentiates SPFX from broader financial institutions, positioning it as a specialized lender within the insurance sector. The company's small size, with 23 employees, allows for focused operations and potentially agile responses to market changes within its operational footprint.
What Products and Services Does SPFX Offer?
- Provides collateralized loans to finance insurance premiums.
- Focuses on commercial property and casualty insurance policies.
- Offers financing solutions to businesses and individuals.
- Operates in Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Arizona.
- Enables clients to spread insurance premium costs over time.
- Specializes in a niche market within the financial services sector.
How Does SPFX Make Money?
- Generates revenue through interest income on collateralized loans.
- Offers financing for commercial property and casualty insurance premiums.
- Manages risk through collateralization of loans.
- Targets businesses and individuals seeking to finance insurance costs.
What Industry Does SPFX Operate In?
Standard Premium Finance Holdings, Inc. operates within the financial services sector, specifically in the credit services industry. This segment involves providing loans and financing solutions to individuals and businesses. The insurance premium financing niche is driven by the need for businesses to manage their cash flow while maintaining necessary insurance coverage. The competitive landscape includes companies like ABBB, CSTXF, IMPM, ITEX, and ITPC, which offer similar financing solutions. Market trends include increasing demand for flexible payment options for insurance premiums, particularly among small and medium-sized businesses.
Who Are SPFX's Key Customers?
- Businesses requiring commercial property and casualty insurance.
- Individuals needing to finance insurance premiums.
- Insurance policyholders seeking flexible payment options.
- Clients in Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Arizona.
Standard Premium Finance Holdings, Inc. Financial Trajectory
Standard Premium Finance Holdings, Inc. (SPFX) reported $3.3M in revenue for Q1 2026, reflecting 2.3% growth compared to the prior quarter. The company recorded net income of $408K, with diluted EPS of $0.10. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, SPFX averaged $0.08 in diluted EPS.
Company Profile
Standard Premium Finance Holdings, Inc. operates in the Financial - Credit Services industry within the Financial Services sector. It is headquartered in Miami, US. The company is led by CEO William J. Koppelmann. SPFX has traded publicly since 2022.
How Standard Premium Finance Holdings, Inc. Is Valued
Standard Premium Finance Holdings, Inc. carries a market capitalization of $9.75M, placing it in the micro-cap category.
ROE 15%Key Financial Metrics
Return on equity for Standard Premium Finance Holdings, Inc. stands at 15.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. SPFX trades at a trailing price-to-earnings ratio of 5.06, below the Financial Services sector average of ~18x. Its free cash flow yield is 30.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.32 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 13.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 8/9Financial Health
Standard Premium Finance Holdings, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.65 places it in the distress zone, a signal of elevated financial risk.
Net buyingInsider Activity
Over the past six months, Standard Premium Finance Holdings, Inc. insiders filed 3 SEC Form 4 transactions — 0 sales and 3 purchases. On net that is roughly 438 shares acquired (about $964) — insiders putting money in tends to read as conviction.
SPFX Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Niche market focus on insurance premium financing.
- Collateralized loan structure reduces risk.
- Regional presence in growing markets.
- Established operations since 2016.
Bear Case
- Small market capitalization limits access to capital.
- OTC listing increases regulatory and liquidity risks.
- Limited geographic diversification.
- Dependence on the insurance market.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $3M | $408,067 | $0.10 |
| Q4 2025 | $3M | $344,020 | $0.08 |
| Q3 2025 | $3M | $276,024 | $0.07 |
| Q2 2025 | $3M | $258,087 | $0.06 |
Based on FMP financials and quantitative analysis
SPFX Latest News
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Standard Premium Finance Holdings, Inc. Holds Successful 2026 Annual Shareholders Meeting, Reports Record Financial Performance and Expanding Footprint
globenewswire.com · Jun 18, 2026
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Standard Premium Reports Record-Breaking First Quarter Results, Driven by a 21% Increase in Earnings, 22% Return on Equity and Expanded National Footprint
globenewswire.com · May 12, 2026
SPFX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for SPFX.
Price Targets
Wall Street price target analysis for SPFX.
SPFX MoonshotScore
What does this score mean?
The MoonshotScore rates SPFX's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Standard Premium Finance Holdings, Inc. Holds Successful 2026 Annual Shareholders Meeting, Reports Record Financial Performance and Expanding Footprint
Standard Premium Reports Record-Breaking First Quarter Results, Driven by a 21% Increase in Earnings, 22% Return on Equity and Expanded National Footprint
Leadership: William J. Koppelmann
Managing
William J. Koppelmann leads Standard Premium Finance Holdings, Inc., overseeing its operations and strategic direction. Information on his prior experience is not available. As the head of a company with 23 employees, Koppelmann is responsible for guiding the company's growth and navigating the competitive landscape of the insurance premium financing industry. His role involves managing the company's financial performance, expanding its market presence, and ensuring compliance with relevant regulations.
Track Record: Due to limited information available, it is not possible to assess William J. Koppelmann's specific achievements or strategic decisions at Standard Premium Finance Holdings, Inc. His track record and company milestones under his leadership are currently unknown.
SPFX OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Standard Premium Finance Holdings, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial reporting, potentially increasing investment risk due to lack of transparency. Trading on the OTC Other tier often involves higher risks compared to exchanges like NYSE or NASDAQ, due to less stringent listing requirements and oversight.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure increases information asymmetry.
- Lower trading volume can lead to price volatility.
- Less stringent regulatory oversight compared to listed exchanges.
- Potential for delisting or trading suspension.
- Higher risk of fraud or manipulation.
- Verify the company's registration and legal standing.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive position.
- Evaluate the management team and their experience.
- Understand the risks associated with the OTC market.
- Monitor trading volume and price activity.
- Consult with a financial advisor.
- Operational history since 2016.
- Focus on a specific niche market (insurance premium financing).
- Regional presence in multiple states.
- Collateralized loan structure.
Standard Premium Finance Holdings, Inc. Financial Services Stock: Key Questions Answered
What does Standard Premium Finance Holdings, Inc. do?
Standard Premium Finance Holdings, Inc. specializes in providing collateralized loans to businesses and individuals for financing their commercial property and casualty insurance premiums. The company operates in Florida, Georgia, North Carolina, South Carolina, Tennessee, Texas, and Arizona, offering a financial solution that allows policyholders to manage their cash flow while maintaining necessary insurance coverage. By focusing on this niche market, SPFX aims to provide flexible payment options and build relationships with insurance agencies to drive loan volume.
What do analysts say about SPFX stock?
As of 2026-03-16, formal analyst coverage of Standard Premium Finance Holdings, Inc. (SPFX) is not widely available, likely due to its small market capitalization and OTC listing. Key valuation metrics include a P/E ratio of 5.1 and a profit margin of 9.9%. Growth considerations revolve around the company's ability to expand its geographic footprint and diversify its product offerings. Investors should conduct their own due diligence and consider the risks associated with micro-cap OTC stocks.
What are the main risks for SPFX?
The main risks for Standard Premium Finance Holdings, Inc. include its small market capitalization, which limits access to capital and increases volatility. The OTC listing introduces regulatory and liquidity risks. Dependence on the insurance market exposes the company to sector-specific downturns and regulatory changes. Increased competition from larger financial institutions could also erode market share. Investors should carefully assess these risks before investing in SPFX.
What are the key factors to evaluate for SPFX?
Evaluate SPFX on fundamentals, analyst consensus, and risk factors. P/E: 5.1x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does SPFX data refresh on this page?
SPFX prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven SPFX's recent stock price performance?
Standard Premium Finance Holdings, Inc. (SPFX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Niche market focus on insurance premium financing. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider SPFX overvalued or undervalued right now?
Standard Premium Finance Holdings, Inc. (SPFX) trades at 5.1x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying SPFX?
Before investing in Standard Premium Finance Holdings, Inc. (SPFX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available on CEO's track record.
- OTC market data may be less reliable than exchange-listed data.