Standard Premium Finance Holdings, Inc. (SPFX) Fair Value 2026

SPFX · Credit Services ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (0/100)

Quick Summary — As of 2026-08-27, Standard Premium Finance Holdings, Inc. (SPFX) trades at $2.95, versus a $4.09 median fair value across its 5 active models — 38.8% above the current price. QOC: 7.7/10. Value Trap Risk: 0/100 (SAFE). 5/13 models active.

Key Facts

Ticker
SPFX
Price
$2.95
Quality Score
7.7/10
Value Trap Risk
0/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +32.5% upside with 28% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Standard Premium Finance Holdings, Inc. (SPFX) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Standard Premium Finance Holdings, Inc. (SPFX) appears undervalued as of : the median of 5 independent fair value estimates is $4.09, 38.8% above the current price of $2.95. Estimates range from $2.40 to $4.35. SPFX scores 7.7/10 on fundamental quality and 0/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. SPFX’s +38.8% gap is wider than that market norm, and the Credit Services sector median is +17.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Standard Premium Finance Holdings, Inc. Stock in 2026? →

What Fair Value Does Each Model Give SPFX?

5 Intrinsic Value Models vs. Current Price ($2.95)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $2.40 -18.8%
Ensemble · Medium Conviction
 $3.91 +32.5%
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What Is SPFX's Fair Value Range?

Spread across 5 independent models · $2.40 to $4.35

CirclFi's 5 active models place Standard Premium Finance Holdings, Inc. (SPFX) between $2.40 and $4.35 per share, a spread of 48% of the median. The median of that range — $4.09 — is the fair value CirclFi publishes for SPFX, against a current price of $2.95.

Low · EPVHigh · Regime Cross
$2.40median $4.09$4.35
Where the range comes from
Most bearish modelEarnings Power Value (EPV)$2.40
Most bullish modelRegime Cross-Sectional$4.35
Model agreement4 bullish · 1 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on SPFX, not a CirclFi price target. How each model works →

What Is Standard Premium Finance Holdings, Inc. (SPFX) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for Standard Premium Finance Holdings, Inc.. Trading at $2.95 against an estimated intrinsic value of $4.09, 4 of 5 active models flag meaningful upside of +38.8% at the median. The most optimistic model, Regime Cross, places fair value at $4.35 (+47.5%), while EPV — the most conservative — estimates $2.40 (-18.8%). This +66.2% gap reflects genuine analytical uncertainty about Standard Premium Finance Holdings, Inc.'s intrinsic worth. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.

What Do the Models Say About SPFX?

5 of 13 models are currently active for SPFX. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for SPFX is $4.09 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does SPFX Rank in Credit Services?

Among 54 Credit Services stocks, SPFX ranks #21 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Credit Services Stocks →

As a banking sector, Standard Premium Finance Holdings, Inc. operates in a sector where CET1 capital ratio is a critical driver of valuation. Investors evaluating SPFX should weigh these sector-specific dynamics alongside our model-derived fair values.

Is SPFX a Value Trap?

CirclFi's Value Trap algorithm assigns SPFX a score of 0/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Standard Premium Finance Holdings, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Standard Premium Finance Holdings, Inc.'s fundamental quality profile registers 7.7/10. This robust score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +66.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every SPFX valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across SPFX's 5 active models, average confidence is 40%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Standard Premium Finance Holdings, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Credit Services Stocks Should You Also Analyze?

11 related Credit Services stocks with 13-model coverage

ECPGEncore Capital Group, Inc.QOC 7.8RMRegional Management Corp.QOC 7.6CACCCredit Acceptance CorporationQOC 7.8JCAPJefferson Capital, Inc.QOC 7.6OPRTOportun Financial CorporationQOC 7.9PMTSCPI Card Group Inc.QOC 7.6ALLYAlly Financial Inc.QOC 7.1SUIGSUI Group Holdings LimitedQOC 5.0SYFSynchrony FinancialQOC 8.9JFINJiayin Group Inc.QOC 9.4MAMastercard IncorporatedQOC 9.1

Read investment analysis: ECPG · RM · CACC · JCAP · OPRT · PMTS · ALLY · SUIG · SYF · JFIN · MA

Which Other Stocks Have a Similar Quality Score to SPFX?

7 companies across all industries closest to SPFX’s Quality of Company score of 7.7/10.

PFBXPeoples Financial CorporationQOC 7.7VLYValley National BancorpQOC 7.7HMNHorace Mann Educators CorporationQOC 7.7ROCKGibraltar Industries, Inc.QOC 7.7MOMOHello Group Inc.QOC 7.7ARCBArcBest CorporationQOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: PFBX · VLY · HMN · ROCK · MOMO · ARCB · NVDA

Where Does SPFX Sit in CirclFi's Credit Services Rankings?

SPFX is ranked against every other Credit Services stock CirclFi covers in each of these screens.

See all Credit Services stocks ranked →

What Else Do Investors Ask About Standard Premium Finance Holdings, Inc.’s Valuation?

What is Standard Premium Finance Holdings, Inc.'s intrinsic value in 2026?

CirclFi puts Standard Premium Finance Holdings, Inc. (SPFX)'s intrinsic value at $4.09 — the median of 5 independent model estimates as of 2026-08-27, ranging from $2.40 to $4.35. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is SPFX overvalued or undervalued right now?

At $2.95, 4 of 5 active models suggest SPFX may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $4.09, 38.8% above the current price of $2.95 — a consensus view that SPFX is undervalued. The assessment depends on which methodology best fits Standard Premium Finance Holdings, Inc.'s business model in Credit Services.

What does a Quality of Company score of 7.7 mean for SPFX?

Standard Premium Finance Holdings, Inc.'s QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on SPFX?

CirclFi analyzes SPFX with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on SPFX?

Of the 5 models currently active on SPFX, Regime Cross-Sectional is the most bullish at $4.35 per share, and Earnings Power Value (EPV) is the most bearish at $2.40. CirclFi's published fair value for SPFX is the median of that range, $4.09, not either extreme. The gap between the two ends equals 48% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is SPFX a value trap in 2026?

Standard Premium Finance Holdings, Inc.'s Value Trap score is 0/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Standard Premium Finance Holdings, Inc. (SPFX) has a median fair value of $4.09 — 38.8% above the current price of $2.95 — as of 2026-08-27.” Source: circlfi.com/stock/SPFX/ · Methodology
Primary sources for this SPFX valuation

Market data for SPFX as of ; valuations recomputed .

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