Obermatt

Alfa Financial Softwares

LSE:ALFA · GB00BDHXPG30
SoftwareSmall

360

72
EV / EBIT66
Price / Owner Earnings39
Owner Earnings Yield83
Dividend Yield57
Price/Sales20
EV / Gross Profit42
Price/Book15
Return on Capital97
Cash Return on Capital94
Return on Equity94
EBIT Margin95
Gross Profitability95
Cash Conversion31
Accruals47
Owner Earnings Margin92
Sales growth43
Profit Growth33
Long-Term EPS Growth23
Owner Earnings Growth56
Reinvestment48
Price momentum18
Debt load72
Refinancing48
Debt Payback100
Liquidity81
Analyst ratings78
Opinion Changes50
Price Target Upside85
Market mood67
Value Creation14/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Alfa Financial Softwares generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUK
IndustrySoftware
SizeSmall
TypePublic Company
ExchangeLSE
Founded2017
Employees516
ISINGB00BDHXPG30
Last UpdateApr 2, 2026
Themes
FintechProcess AutomationData IntegrationCloud InfrastructureSoftware Development

Description

Alfa Financial Software Holdings PLC provides software and consultancy services to the auto and equipment finance industry. Business Segments The company operates two segments includes Automotive Finance and Equipment Finance. Automotive Finance:…

Analysis

Quality compounder

Alfa Financial Software Holdings PLC earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess. Worth noting: the cash the business generates has lagged behind what the income statement shows.

On valuation, the picture is attractive. The owner-earnings multiple stands at 14.1×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 14/20 on our value-creation score: strong value creator.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
70
2023202420252026

All-time high

91

Jan 2025

All-time low

28

Jan 2024

Average rank

67

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
20
24
31
31
Price/Earnings
46
31
46
39
Price/Book
15
8
17
22
Dividend Yield
57
70
85
67
Value (overall)
32
29
48
43

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →