Alfa Financial Software Holdings PLC provides software and services to the auto and equipment finance industries. Alfa Systems its technology platform, supports both retail and corporate business for auto, equipment, wholesale, and dealer finance on a multijurisdictional basis, including leases/loans, originations, and servicing. An end-to-end solution with integrated workflow and automated processing using business rules, it provides compelling solutions to asset finance companies. The company generates a majority of its revenue from the United Kingdom and the rest from the United States, and other regions.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	2.42
Equity-to-Asset	0.54
Debt-to-Equity	0.21
Debt-to-EBITDA	0.29
Interest Coverage	58.8
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	16.36	Distress Grey Safe
Beneish M-Score	-3.25	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.1
	3-Year EBITDA Growth Rate	6.6
	3-Year EPS without NRI Growth Rate	5.1
	3-Year FCF Growth Rate	5.8
	3-Year Book Growth Rate	-10.9
	Future 3-5Y EPS without NRI Growth Rate	4.02
	Future 3-5Y Total Revenue Growth Rate	8.3

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	52.87
	9-Day RSI	52.75
	14-Day RSI	54.51
	6-1 Month Momentum %	20.92
	12-1 Month Momentum %	39.16

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.43
	Quick Ratio	1.43
	Cash Ratio	0.76
	Days Sales Outstanding	24.48
	Days Payable	40.45

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.59
	Dividend Payout Ratio	0.17
	Forward Dividend Yield %	0.59
	5-Year Yield-on-Cost %	0.59
	3-Year Average Share Buyback Ratio	0.5
	Shareholder Yield %	0.74

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	62.03
	Operating Margin %	28.99
	Net Margin %	21.99
	FCF Margin %	18.54
	ROE %	51.94
	ROA %	27.74
	ROIC %	39.08
	ROC (Joel Greenblatt) %	382.76
	ROCE %	57.93
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	30.87
	Forward PE Ratio	25.95
	PE Ratio without NRI	30.87
	Shiller PE Ratio	34.19
	Price-to-Owner-Earnings	23.69
	PEG Ratio	2.81
	PS Ratio	6.84
	PB Ratio	15.65
	Price-to-Tangible-Book	55.88
	Price-to-Free-Cash-Flow	36.76
	Price-to-Operating-Cash-Flow	29.31
	EV-to-EBIT	21.85
	EV-to-EBITDA	20.28
	EV-to-Forward-EBITDA	16.86
	EV-to-Revenue	6.38
	EV-to-Forward-Revenue	5.19
	EV-to-FCF	36.14
	Price-to-Projected-FCF	2.69
	Price-to-Peter-Lynch-Fair-Value	2.57
	Price-to-Graham-Number	8.6
	Price-to-Net-Current-Asset-Value	223.5
	Earnings Yield (Greenblatt) %	4.59
	FCF Yield %	2.85
	Forward Rate of Return (Yacktman) %	14.18

Financials (Next Earnings Date:2025-03-14 Est.)

Annual Quarterly TTM

LSE:ALFA's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

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Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Alfa Financial Software Holdings PLC Executives

Details

GF Value: £2.03

LSE:ALFA

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with ALFA. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil £)	101.4
	EPS (TTM) (£)	0.075
	Beta	0.34
	Volatility %	55
	14-Day RSI	54.51
	14-Day ATR (£)	0.079126
	20-Day SMA (£)	2.233
	12-1 Month Momentum %	39.16
	52-Week Range (£)	1.39 - 2.39184
	Shares Outstanding (Mil)	295.22

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	7
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Alfa Financial Software Holdings PLC Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Alfa Financial Software Holdings PLC Stock Events

Financials Calendars

	Event	Date	Price(£)
No Event Data

Alfa Financial Software Holdings PLC Frequently Asked Questions

What is Alfa Financial Software Holdings PLC(LSE:ALFA)'s stock price today?

The current price of LSE:ALFA is £2.24. The 52 week high of LSE:ALFA is £2.39 and 52 week low is £1.39.

When is next earnings date of Alfa Financial Software Holdings PLC(LSE:ALFA)?

The next earnings date of Alfa Financial Software Holdings PLC(LSE:ALFA) is 2025-03-14 Est..

Does Alfa Financial Software Holdings PLC(LSE:ALFA) pay dividends? If so, how much?

The Dividend Yield % of Alfa Financial Software Holdings PLC(LSE:ALFA) is 0.59% (As of Today), Highest Dividend Payout Ratio of Alfa Financial Software Holdings PLC(LSE:ALFA) was 0.17. The lowest was 0.14. And the median was 0.15. The Forward Dividend Yield % of Alfa Financial Software Holdings PLC(LSE:ALFA) is 0.59%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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