Dashboard
1
High Management Efficiency with a high ROE of 49.50%
2
Company's ability to service its debt is strong with a healthy EBIT to Interest (avg) ratio of 27.50
3
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 49.50%
4
Flat results in Dec 24
5
With ROE of 56.21%, it has a attractive valuation with a 13.38 Price to Book Value
6
Underperformed the market in the last 1 year
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
2.53%
0%
2.53%
6 Months
-5.51%
0%
-5.51%
1 Year
1.59%
0%
1.59%
2 Years
45.75%
0%
45.75%
3 Years
38.51%
0%
38.51%
4 Years
15.54%
0%
15.54%
5 Years
74.22%
0%
74.22%
Alfa Financial Software Holdings Plc for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
10.84%
EBIT Growth (5y)
16.91%
EBIT to Interest (avg)
27.50
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
-0.44
Sales to Capital Employed (avg)
2.01
Tax Ratio
24.93%
Dividend Payout Ratio
16.13%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
115.67%
ROE (avg)
49.50%
Valuation key factors
Factor
Value
P/E Ratio
24
Industry P/E
Price to Book Value
13.38
EV to EBIT
16.89
EV to EBITDA
15.69
EV to Capital Employed
23.84
EV to Sales
5.50
PEG Ratio
0.74
Dividend Yield
3.80%
ROCE (Latest)
141.16%
ROE (Latest)
56.21%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
No Trend
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Annual Results Snapshot (Consolidated) - Dec'23
Dec'23
Dec'22
Change(%)
Net Sales
102.00
93.30
9.32%
Operating Profit (PBDIT) excl Other Income
31.60
30.80
2.60%
Interest
0.50
0.60
-16.67%
Exceptional Items
0.40
0.00
Consolidate Net Profit
23.50
24.50
-4.08%
Operating Profit Margin (Excl OI)
285.30%
298.00%
-1.27%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2023 is 9.32% vs 12.14% in Dec 2022
Consolidated Net Profit
YoY Growth in year ended Dec 2023 is -4.08% vs 27.60% in Dec 2022
About Alfa Financial Software Holdings Plc 
Alfa Financial Software Holdings Plc
Software Products
Alfa Financial Software Holdings PLC is a holding company. The Company is developer of Alfa Systems, is mission-critical software platform purpose-built for the asset finance industry. The Company offers professional services including business process consultancy, user interface (UI) design, cloud hosting, project management and training consultancy. The Company’s products include equipment finance and automotive finance. Equipment finance Provides equipment leasing, structured asset finance, installment credit and other corporate and consumer lending. Automotive finance provides retail and commercial lending and leasing, wholesale and dealer finance. The Company’s platform provides point of sale, originations, contract management, and wholesale services. Point of sale includes Web-based quotation, and templates and business rules. Originations include credit management and document management. Contract management includes leases and loans, and bad debt management.
Company Coordinates 
Company Details
Moor Place, Fore, 1 Fore Street Avenue , LONDON None : EC2Y 9DT
Registrar Details






