ScoreWhy is Alfa Financial Software Holdings Plc ?
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
- INTEREST(HY) At GBP 0.4 MM has Grown at 100%
- INTEREST COVERAGE RATIO(Q) Lowest at 5,100
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
5
With ROE of 56.21%, it has a attractive valuation with a 13.38 Price to Book Value
- Over the past year, while the stock has generated a return of 1.59%, its profits have risen by 32.2% ; the PEG ratio of the company is 0.7
6
Underperformed the market in the last 1 year
- The stock has generated a return of 1.59% in the last 1 year, much lower than market (FTSE 100) returns of 15.94%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Alfa Financial Software Holdings Plc should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Alfa Financial Software Holdings Plc for you?
Medium Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Alfa Financial Software Holdings Plc
1.59%
0.65
27.38%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality 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%
ValuationValuation 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%
TechnicalsTechnical 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
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Alfa Financial Software Holdings Plc
Operating Cash Flow
Highest at GBP 61.4 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (GBP MM)
Net Sales
Highest at GBP 57.6 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 20.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Operating Profit Margin
Highest at 35.42 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at GBP 18.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Pre-Tax Profit
At GBP 18.5 MM has Grown at 43.41%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (GBP MM)
Net Profit
Highest at GBP 14.08 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
EPS
Highest at GBP 0.05
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (GBP)
Debtors Turnover Ratio
Highest at 7.63%
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Raw Material Cost
Fallen by -3.73% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
Highest at GBP 1.5 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Here's what is not working for Alfa Financial Software Holdings Plc
Interest
At GBP 0.4 MM has Grown at 100%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Interest Coverage Ratio
Lowest at 5,100
in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Dividend per share
Lowest at GBP 7.63
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (GBP)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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