Standard Premium Finance Holdings (SPFX) Interest Coverage Ratio (2020 - 2026)
Standard Premium Finance Holdings (SPFX) posted Interest Coverage Ratio of 1.56 for Q1 2026, up 220.45% sequentially from 1.29 in Q4 2025, and up 6.93% YoY from 1.46 in Q1 2025.
Analysis
Standard Premium Finance Holdings (SPFX) Interest Coverage Ratio (2020 - 2026) Analysis & Trends
Standard Premium Finance Holdings has reported Interest Coverage Ratio for 7 years, with the latest figure at 1.56 in Q1 2026.
- Quarterly Interest Coverage Ratio rose 6.93% year-over-year to 1.56 in Q1 2026, while the trailing twelve-month figure through Mar 2026 was 1.64 (up 18.3% YoY) and the FY2025 annual result came in at 1.39, up 7.02% from the prior year.
- Interest Coverage Ratio advanced to 1.56 in Q1 2026 per SPFX's latest filing, from 1.29 in the prior quarter.
- Over five years, Interest Coverage Ratio peaked at 376.88 in Q4 2022 and troughed at 1.29 in Q4 2025.
- A 5-year average of 23.28 and a median of 1.35 in 2024 frame the typical range for Interest Coverage Ratio.
- The sharpest annual moves came in 2022 and 2025: Interest Coverage Ratio jumped 53590.53% in 2022, then sank 200.62% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 376.88 in 2022, then plunged by 99.72% to 1.06 in 2023, then rose by 21.09% to 1.29 in 2024, then tumbled by 200.62% to 1.29 in 2025, then jumped by 220.45% to 1.56 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 1.56, 1.29, and 1.35 for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 680.39 Bn | 668.03 Bn | - | 35.45 |
| 2 | Mastercard | 518.33 Bn | 504.84 Bn | - | 25.63 |
| 3 | American Express | 224.91 Bn | 175.59 Bn | 17.99 Bn | 1.79 |
| 4 | Capital One Financial | 132.31 Bn | 77.60 Bn | - | 1.95 |
| 5 | PayPal Holdings | 46.25 Bn | 35.00 Bn | - | - |
| 6 | Affirm Holdings | 26.22 Bn | 24.59 Bn | - | 1.24 |
| 7 | Synchrony Financial | 25.37 Bn | 9.17 Bn | - | 2.22 |
| 8 | SoFi Technologies | 23.30 Bn | 20.18 Bn | 1.02 Bn | 0.05 |
| 9 | Ally Financial | 12.85 Bn | 5.01 Bn | 2.08 Bn | 0.50 |
| 10 | Standard Premium Finance Holdings | 8.65 Mn | 8.40 Mn | - | 1.44 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 1.44 |
| Mar 31, 2026 | 1.56 |
| Dec 31, 2025 | 1.41 |
| Sep 30, 2025 | 1.35 |
| Jun 30, 2025 | 1.34 |
| Mar 31, 2025 | 1.47 |
| Dec 31, 2024 | 1.30 |
| Sep 30, 2024 | 1.35 |
| Jun 30, 2024 | 1.39 |
| Mar 31, 2024 | 1.15 |
| Dec 31, 2023 | 1.21 |
| Sep 30, 2023 | 1.15 |
| Jun 30, 2023 | 1.27 |
| Mar 31, 2023 | 1.10 |
| Dec 31, 2022 | 1.32 |
| Sep 30, 2022 | 1.33 |
| Jun 30, 2022 | 1.52 |
| Mar 31, 2022 | 1.71 |
| Dec 31, 2021 | 1.76 |
| Sep 30, 2021 | 1.91 |