Standard Premium Finance HOLDINGS, Inc. (SPFX) intrinsic value & 10-year financials
Standard Premium Finance HOLDINGS, Inc. (SPFX) has a Graham intrinsic value of $2.57 per share. At $3.15 on Oct 17, 2026, the stock trades 23% above that value. Over the last 7 fiscal years revenue grew 14.2% a year to $12.5M, with an average return on invested capital of 6.7%.
- Graham intrinsic value
- $2.57
- Share price (Oct 17, 2026)
- $3.15
- Price vs Graham value
- 23% above
- Market cap
- $13.2M
- Revenue (FY2025)
- $12.5M
- Revenue growth (7-yr CAGR)
- 14.2%
- ROIC (10-yr avg)
- 6.7%
- Free cash flow (FY2025)
- $2.9M
SPFX 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $12.5M | $1.2M | $0.29 | $2.9M | — | 7.2% |
| FY2024 | $12.1M | $980.0K | $0.24 | $1.8M | — | 6.6% |
| FY2023 | $9.7M | $532.4K | $0.13 | $2.6M | — | 4.1% |
| FY2022 | $8.2M | $806.1K | $0.21 | $1.6M | — | 6.5% |
| FY2021 | $7.7M | $876.3K | $0.28 | -$6.5M | — | 8.2% |
| FY2020 | $6.4M | $687.4K | — | $1.3M | — | 7.4% |
| FY2019 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
STANDARD PREMIUM FINANCE HOLDINGS, INC. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
STANDARD PREMIUM FINANCE HOLDINGS, INC. has historically struggled to out-earn its cost of capital, averaging just 6.7% ROIC.
STANDARD PREMIUM FINANCE HOLDINGS, INC. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, STANDARD PREMIUM FINANCE HOLDINGS, INC. is modeled at 0.9% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.57 per share.