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Alfa Financial Software HoldingsCHIX:ALFAL -0.26%79 3-Year Book Growth Rate is 7.50% as of Jun. 2026, which is 134% above its 10-year median of 3.20. GuruFocus rates CHIX:ALFAL with a GF Score™ of 79/100 and a GF Value™ of £2.40 (Significantly Undervalued). Among 2,487 Software companies, Alfa Financial Software Holdings ranks better than 56.41% on this metric.
During the past 12 months, Alfa Financial Software Holdings's average Book Value per Share Growth Rate was 1.20% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 7.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was -1.30% per year.
During the past 10 years, the average Book Value per Share Growth Rate was -3.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Alfa Financial Software Holdings was 65.70% per year. The lowest was -19.90% per year. And the median was 3.20% per year.
Alfa Financial Software Holdings (CHIX:ALFAl) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Alfa Financial Software Holdings 3-Year Book Growth Rate Related Terms
CHIX:ALFAL vs CRM, SHOP, UBER: 3-Year Book Growth Rate Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Alfa Financial Software Holdings 3-Year Book Growth Rate vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's 3-Year Book Growth Rate falls into.
Alfa Financial Software Holdings 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 7.50% mean?
Alfa Financial Software Holdings (CHIX:ALFAL) has a 3-Year Book Growth Rate of 7.50% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Alfa Financial Software Holdings and its competitors. This is 134% above median its historical median of 3.20. According to the industry distribution chart, Alfa Financial Software Holdings ranks #1084 out of 2487 companies in the Software industry, placing it in the top 43.6%.
Is Alfa Financial Software Holdings' 3-Year Book Growth Rate too high?
Alfa Financial Software Holdings' current 3-Year Book Growth Rate of 7.50% is 134% above median its 10-year median of 3.20. The Software industry median 3-Year Book Growth Rate is 5.40. Alfa Financial Software Holdings' value of 7.50% is 38.9% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #1084 out of 2487 companies in the Software industry, which is above the industry midpoint. Overall, Alfa Financial Software Holdings has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alfa Financial Software Holdings' 3-Year Book Growth Rate compare to CRM and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #1084 out of 2487 companies for 3-Year Book Growth Rate. This puts Alfa Financial Software Holdings in the upper half of its industry. The industry median 3-Year Book Growth Rate is 5.40. Alfa Financial Software Holdings' value of 7.50% is 38.9% above this benchmark. While the company's 10-year median is 3.20 vs. the industry median of 5.40, Alfa Financial Software Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Software company?
The median 3-Year Book Growth Rate among Software companies is 5.40, based on 2,487 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current 3-Year Book Growth Rate of 7.50% is 38.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Alfa Financial Software Holdings and its competitors. For the Software industry, the median 3-Year Book Growth Rate is 5.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current 3-Year Book Growth Rate is 7.50%, which is 134% above median its own 10-year median of 3.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alfa Financial Software Holdings stock overvalued right now?
Based on GuruFocus' analysis, Alfa Financial Software Holdings (CHIX:ALFAL) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.40, compared to a current price of £1.56 — trading 35% below its estimated fair value. The current 3-Year Book Growth Rate is 7.50%, which is 134% above median its 10-year median of 3.20 and 38.9% above the Software industry median of 5.40. Alfa Financial Software Holdings' overall GF Score™ is 79/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current 3-Year Book Growth Rate is 7.50% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Alfa Financial Software Holdings (CHIX:ALFAL) Overvalued in 2026?
Based on GuruFocus' analysis, Alfa Financial Software Holdings stock appears to be undervalued.
The current stock price of £1.56 is trading 35% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
3-Year Book Growth Rate: 7.50% (134% above median its 10-year median of 3.20)
GF Value™: £2.40 vs. price of £1.56 (35% below fair value)
Industry Position: 38.9% above the Software median (#1084 of 2487)
No single metric tells the full story. See the CHIX:ALFAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alfa Financial Software Holdings PLC is principally engaged in the provision of software and software-related services to the auto and equipment finance industry. Alfa Systems, its technology platform, supports both retail and corporate business for auto, equipment, wholesale, and dealer finance on a multijurisdictional basis, including leases/loans, originations, and servicing. The company has one operating and reporting segment, being the sale of software and related services. It generates the majority of its revenue from the EMEA and Americas and the rest from other regions.
79GF Score
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