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Alfa Financial Software Holdings PLC
ALFA.L: LSELowest reading is at 50 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Andrew Warren Denton
Market Cap
461.19 Million GBp
Sector
Technology
Website
https://www.alfasystems.comLast Update
28/09/2026, 03:26:46
Description
Alfa Financial Software Holdings PLC, through its subsidiaries, provides software and related services to the auto and equipment finance industry in the United Kingdom, North Americas, Europe, Africa, Australasia and internationally.
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Strongest readings
- ✔Return on capital employed of 65.70% is above the market average of 10.00%
- ✔Dividend growth averages 12.18% per year
- ✔Debt is low at 0.18 times equity
- ✔Financial health is strong (health score 78 out of 100)
- ✔Price-to-earnings of 15.2 is below the market average of 19.6
Weakest readings
- ✘A high share of income is paid out as dividend (86.38%)
- ✘The current price sits above estimated fair value (margin of safety -30.65%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 15.21x | 19.60x | |
| ✘ | Margin of safety (DCF) | -30.65% | 17.95% | |
| ✘ | Revenue growth (5y average) | 9.32% | 10.97% | |
| ✔ | Dividend yield (TTM) | 5.64% | 1.85% | |
| ✔ | Share count, per year | -0.06% | 0.00% | |
| ✔ | Return on capital employed | 65.70% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
60 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 15.21x | 19.60x | |
| ✔ | Free cashflow yield | 6.90% | 4.70% | |
| ✔ | Price / earnings growth | 0.87x | 1.50x | |
| Price / book | 892.04x | — | ||
| ✘ | Margin of safety | -30.65% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Estimated intrinsic value of 107.49 GBp is below the current price of 155.00 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 2.8 GBp ✘
Current Price: 155 GBp
How Does This Work?
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This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
50 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 9.32% | 10.97% | |
| ✘ | Earnings growth | 8.64% | 14.48% | |
| ✔ | Cashflow growth | 15.66% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
78 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✔ | Altman-Z score | 4.07 | 3.00 | |
| ✔ | Piotroski score | 7.00 | 5.00 | |
| ✔ | Debt / equity | 0.18x | 0.80x | |
| ✔ | Current ratio | 1.60x | 1.00x | |
| ✔ | Interest coverage | 58.29x | 2.50x | |
| ✔ | Free cashflow / debt | 3.42x | 0.15x | |
| ✔ | Debt / capital | 0.15x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
59 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 5.64% | 1.85% | |
| ✔ | Dividend growth | 17.65% | 0.00% | |
| ✘ | Payout ratio (earnings) | 86.38% | 40.00% | |
| ✘ | Payout ratio (cashflow) | 81.76% | 65.00% | |
| ✘ | Worst year, last 5 years | -11.90% | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Dividend growth has been accelerating recently
- ✘The dividend was cut within the last five years (worst year -11.90% per share)
Management
73 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Return on equity | 58.22% | 15.00% | |
| ✔ | Return on capital employed | 65.70% | 10.00% | |
| Return on assets | 33.19% | — | ||
| Free cashflow return on capital | 51.21% | — | ||
| ✔ | Return on capital, 5y change | 3.89% | 0.00% | |
| ✔ | Share count, per year | -0.06% | 0.00% | |
| ✘ | Share count, recent | 0.60% | 0.00% | |
| ✘ | Realized buyback return | -93.14% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 39.73% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Shares were repurchased while the value score was 60 out of 100
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
ALFA.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Alfa Financial Software Holdings PLC
Currency
GBp
Beta
0.23
Vol Avg
678469
Ceo
Mr. Andrew Warren Denton
Cik
Cusip
Exchange
LSE
Full Time Employees
502
Industry
Software - Application
Sector
Technology
Ipo Date
Address
Moor Place
City
London
State
Country
United Kingdom
Zip
EC2Y 9DT
Phone
44 20 7588 1800
Analysis Last Updated
28/09/2026, 03:26:46
Financial data compiled from SEC EDGAR filings and Yahoo Finance.