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Aptitude Software Group plc
APTD.L: LSELowest reading is at 60 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Ms. Alexandra Louise Curran
Market Cap
130.59 Million GBp
Sector
Technology
Website
https://www.aptitudesoftware.comLast Update
28/09/2026, 03:25:59
Description
Aptitude Software Group plc, together with its subsidiaries, provides autonomous finance software solutions in the United Kingdom and internationally.
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Strongest readings
- ✔Debt is low at 0.15 times equity
- ✔Financial health is strong (health score 66 out of 100)
- ✔Cashflow and earnings growth is strong (growth score 61 out of 100)
- ✔Share count has been falling at 1.13% per year
Weakest readings
- ✘A high share of income is paid out as dividend (74.53%)
- ✘Price-to-earnings of 33.4 is above the market average of 19.6
- ✘The current price sits above estimated fair value (margin of safety -24.82%)
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Price / earnings (TTM) | 33.42x | 19.60x | |
| ✘ | Margin of safety (DCF) | -24.82% | 17.95% | |
| ✘ | Revenue growth (5y average) | -6.21% | 10.97% | |
| ✔ | Dividend yield (TTM) | 2.30% | 1.85% | |
| ✔ | Share count, per year | -1.13% | 0.00% | |
| ✘ | Return on capital employed | 7.79% | 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 | 33.42x | 19.60x | |
| ✔ | Free cashflow yield | 7.16% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 240.89x | — | ||
| ✘ | Margin of safety | -24.82% | 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 183.44 GBp is below the current price of 244.00 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: 2.9 GBp ✘
Current Price: 244 GBp
How Does This Work?
Show Advanced Options
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
61 / 100Growing faster than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | -6.21% | 10.97% | |
| ✔ | Earnings growth | 22.22% | 14.48% | |
| ✔ | Cashflow growth | 80.70% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Health
66 / 100Balance sheet covers its obligations.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 0.76 | 3.00 | |
| ✔ | Piotroski score | 7.00 | 5.00 | |
| ✔ | Debt / equity | 0.15x | 0.80x | |
| ✔ | Current ratio | 1.01x | 1.00x | |
| ✔ | Interest coverage | 15.87x | 2.50x | |
| ✔ | Free cashflow / debt | 1.12x | 0.15x | |
| ✔ | Debt / capital | 0.13x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
67 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 2.30% | 1.85% | |
| ✘ | Dividend growth | -2.66% | 0.00% | |
| ✘ | Payout ratio (earnings) | 74.53% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 32.10% | 65.00% | |
| ✔ | Worst year, last 5 years | -0.06% | -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 slowing recently
Management
64 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 7.42% | 15.00% | |
| ✘ | Return on capital employed | 7.79% | 10.00% | |
| Return on assets | 3.78% | — | ||
| Free cashflow return on capital | 14.70% | — | ||
| ✔ | Return on capital, 5y change | 2.58% | 0.00% | |
| ✔ | Share count, per year | -1.13% | 0.00% | |
| ✔ | Share count, recent | -3.32% | 0.00% | |
| ✘ | Realized buyback return | -48.08% | 0.00% | |
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 40.47% | — |
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
APTD.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
Aptitude Software Group plc
Currency
GBp
Beta
0.361
Vol Avg
48377
Ceo
Ms. Alexandra Louise Curran
Cik
Cusip
Exchange
LSE
Full Time Employees
234
Industry
Software - Application
Sector
Technology
Ipo Date
Address
138 Cheapside
City
London
State
Country
United Kingdom
Zip
EC2V 6BJ
Phone
44 20 3687 3200
Analysis Last Updated
28/09/2026, 03:25:59
Financial data compiled from SEC EDGAR filings and Yahoo Finance.