SPFX · Standard Premium Finance Holdings, Inc.
Market Cap
$9.23M
Shares
2.93M
Volume · Oct 16
3018
Avg daily vol (22 sessions)
2094
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$3.15
Open$2.51
Day$2.50–3.15
52W close$1.55–3.25
Avg vol 30d2K
Short int10 · 0.0% float · 1.0d
Short vol10%
DataJun 2022–Oct 2026
Filing10-Q · Aug 10
Up next
filed Aug 10, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$13.24M
Trailing 12 months
Net income (TTM)
$1.40M
Trailing 12 months
Revenue growth YoY
+11.1%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
9.0
Trailing earnings · reciprocal yield 11.1%
FCF yield
—
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$20,688
Latest balance sheet
Dividend yield
—
Trailing 12 months
Shares change YoY
-7.1%
Year over year · fewer shares
Price change (1Y)
+75.0%
Trailing year
Short interest
0.0%
Latest settlement · 1.0 days to cover
Quarterly results
* Q4 derived as the full year minus Q1 to Q3.
Equibles Rating
blended score · not investment adviceOverall
Neutral
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Excellent
Quant / Vol
Very High
Market backdrop
VIX 18.4 · elevated
Equity put/call 0.55
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+54%
above
Price vs 50-day avg
+19%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
94%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
+97%
trailing
YTD return
+50%
this year
Relative strength
+90%
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
Rising
0.00% of float · 1.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Steady
No 13F holder history
Squeeze score
37
low risk · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+21%
Y/Y
Free cash flow
$2.9M
Valuation
P/E 7.2
below peers
Quant / Vol
risk profile
Volatility
190%
annualized · 1-yr
Max drawdown
−78%
past year
ATR
9.6%
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
+54%
Bullish
Price vs 50-day avg
+19%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
94%
Bullish
Market signals — smart money & positioning
Bearish · 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
Rising
0.00% of float · 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 $2
Now $3 · 94%
Range high $3
vs 200-day avg +54%
vs 50-day avg +19%
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 | — |
| 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.
|
$9.23M | +50.0% | +2.7% | 7.2 | 0.0% |
|
V
Visa Inc.
|
$727.78B | +15.9% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$539.97B | +8.7% | +16.4% | 33.9 | 0.7% |
|
AXP
American Express Co
|
$215.38B | -14.0% | +13.4% | 19.4 | 1.6% |
|
COF
Capital One Financial Corp
|
$123.65B | -16.8% | +36.6% | 12.1 | 1.5% |
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 | +15.8% | +0.0% | +96.9% | +0.0% | +50.0% |
| SPY | -2.0% | +0.2% | +6.7% | +0.1% | +11.9% |
| vs SPY | +17.8% | -0.2% | +90.2% | -0.1% | +38.1% |