SPFX · Standard Premium Finance Holdings, Inc.
Market Cap
$8.64M
Shares
2.93M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$2.95
Open$3.00
Day$2.95–3.00
52W close$1.21–3.25
Avg vol 30d1K
Short int57 · 0.0% float · 1.0d
Short vol22%
DataJun 2022–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 14.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+51%
above
Price vs 50-day avg
+17%
above
RSI (14)
53
neutral
MACD trend
Negative
52-week position
85%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+18%
trailing
6-month return
+87%
trailing
YTD return
+40%
this year
Relative strength
+72%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $3 › 200d $2 — 50d above 200d
Institutional flow
Flat
No 13F holder data
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.00% of float · ▼ -59.3% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
No 13F holder history
Squeeze score
31
low risk · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+21%
Y/Y
Free cash flow
$2.9M
Quant / Vol
risk profile
Volatility
202%
annualized · 1-yr
Max drawdown
−83%
past year
ATR
11.0%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+51%
Bullish
Price vs 50-day avg
+17%
Bullish
RSI (14)
53
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 1 of 6
Trend (MA cross)
No cross
50d $3 › 200d $2 — 50d above 200d
Institutional flow
Flat
No 13F holder data
Insider flow
Flat
No net insider activity over 90 days
Short interest
Falling
0.00% of float · ▼ -59.3% MoM · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
No 13F holder history
Price context
position in its 52-week range
Range low $1
Now $3 · 85%
Range high $3
vs 200-day avg +51%
vs 50-day avg +17%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Cost of Funds Rate, Gross | 6.02% | the three months ended June 30, 2026 filing | — |
| Cost of Funds Rate, Net (Non-GAAP) non-GAAP | 5.08% | the three months ended June 30, 2026 filing | — |
| Interest Earned Rate | 16.66% | the three months ended June 30, 2026 filing | — |
| Originations | $48,631,251 | the three months ended June 30, 2026 filing | — |
| Provision Rate | 0.63% | the three months ended June 30, 2026 filing | — |
| Reserve Ratio | 2.66% | the three months ended June 30, 2026 filing | — |
| Return on Assets | 1.61% | the three months ended June 30, 2026 filing | — |
| Return on Equity | 19.25% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
SPFX
this stock
Standard Premium Finance Holdings, Inc.
|
$8.64M | +40.5% | +2.7% | — | 0.0% |
|
V
Visa Inc.
|
$680.94B | +8.8% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$521.49B | +4.3% | +16.4% | 32.7 | 0.8% |
|
AXP
American Express Co
|
$222.97B | -10.8% | +13.4% | 20.1 | 1.6% |
|
COF
Capital One Financial Corp
|
$134.21B | -11.0% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionShort & Settlement
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| SPFX | +18.0% | +18.0% | +86.7% | -6.4% | +40.5% |
| SPY | +1.1% | +4.0% | +14.7% | +3.2% | +13.1% |
| vs SPY | +16.9% | +14.0% | +72.0% | -9.6% | +27.4% |