STANDARD PREMIUM FINANCE HOLDINGS, INC. (SPFX)
Miscellaneous Business Credit Institution · Financial Services · $5M
Intrinsic Value (Consensus)
$4.32
Current Price
$1.81
Margin of Safety
+138.7%
138.7% Below Intrinsic Value
Value: $4
Price: $2
Valuation Model Estimates
Current Price: $1.81
DCF (Discounted Cash Flow)
$45.46
Graham Number
$4.33
Earnings Power Value
$2.82
Relative Value (P/E)
$5.80
Dividend Discount Model
Not applicable
—
Consensus Value
$4.32
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
70
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (53.6%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $0.29
- EPS (Forward)
- $0.35
- Book Value
- $2.88
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 14.3%
- Debt/Equity
- —
- Revenue Growth
- 2.7%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance