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Alfa Financial Software Holdings has a Cash Ratio of 0.92. It indicates that there are more current liabilities than Cash, Cash Equivalents, Marketable Securities, and the company does not have sufficient cash on hand to pay off its short-term debt.
The historical rank and industry rank for Alfa Financial Software Holdings's Cash Ratio or its related term are showing as below:
CHIX:ALFAl'
s Cash Ratio Range Over the Past 10 Years
Min: 0.73 Med: 1.27 Max: 3.35
Current: 0.92
During the past 13 years, Alfa Financial Software Holdings's highest Cash Ratio was 3.35. The lowest was 0.73. And the median was 1.27.
CHIX:ALFAl's Cash Ratio is ranked better than 54.83% of 2818
companies
in the Software industry
Industry Median: 0.78
vs CHIX:ALFAl: 0.92
Alfa Financial Software Holdings (CHIX:ALFAl) Cash Ratio Explanation
The cash ratio is more conservative than other liquidity ratios, such as Quick Ratio and Current Ratio, because it only considers a company's most liquid resources. The numerator of cash ratio only considers Cash, Cash Equivalents and marketable securities. Other current assets, such as accounts receivable and inventories, are not included. The rationale is that these assets may require time to be transformed into cash, and the amount of money received is also uncertain.
The cash ratio shows a company’s ability to pay all current liabilities immediately without selling or liquidating other assets. Generally speaking, a higher cash ratio suggests the company has a stronger ability to cover its short-term debt. However, a high cash ratio could also indicate inefficient management: the company is inefficient in making full utilization of cash to invest protential profitable project. It may also suggest that the company is not confident about future profitability.
In general, the higher the cash ratio, the better the company's liquidity position.
Alfa Financial Software Holdings Cash Ratio Related Terms
Alfa Financial Software Holdings Cash Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CHIX:ALFAL vs UBER, SHOP, CRM: Cash Ratio Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's Cash Ratio, along with its competitors' market caps and Cash Ratio 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 Cash Ratio vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's Cash Ratio distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's Cash Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Alfa Financial Software Holdings (CHIX:ALFAL) has a Cash Ratio of 0.92 as of Dec. 2025. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Alfa Financial Software Holdings and its competitors. This is 28% below median its historical median of 1.27. Over the past decade, Alfa Financial Software Holdings' Cash Ratio has ranged from 0.73 to 3.35. According to the industry distribution chart, Alfa Financial Software Holdings ranks #1273 out of 2818 companies in the Software industry, placing it in the top 45.2%.
Is Alfa Financial Software Holdings' Cash Ratio too high?
Alfa Financial Software Holdings' current Cash Ratio of 0.92 is 28% below median its 10-year median of 1.27. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 3.35. The Software industry median Cash Ratio is 0.78. Alfa Financial Software Holdings' value of 0.92 is 17.9% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #1273 out of 2818 companies in the Software industry, which is above the industry midpoint. Overall, Alfa Financial Software Holdings has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alfa Financial Software Holdings' Cash Ratio compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #1273 out of 2818 companies for Cash Ratio. This puts Alfa Financial Software Holdings in the upper half of its industry. The industry median Cash Ratio is 0.78. Alfa Financial Software Holdings' value of 0.92 is 17.9% above this benchmark. Historically, Alfa Financial Software Holdings' own Cash Ratio has ranged from 0.73 to 3.35 over the past decade. While the company's 10-year median is 1.27 vs. the industry median of 0.78, 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 Cash Ratio for a Software company?
The median Cash Ratio among Software companies is 0.78, based on 2,818 companies in the industry. Companies in the top quartile (top 25%) have a Cash Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cash Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current Cash Ratio of 0.92 is 17.9% 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 Cash Ratio mean?
A high Cash Ratio can signal that a stock is expensive relative to its fundamentals. Cashflow ratio is the ratio of Cash, Cash Equivalents, Marketable Securities to current liabilities. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median Cash Ratio is 0.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current Cash Ratio is 0.92, which is 28% below median its own 10-year median of 1.27. 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 £1.64 — trading 31.7% below its estimated fair value. The current Cash Ratio is 0.92, which is 28% below median its 10-year median of 1.27 and 17.9% above the Software industry median of 0.78. Alfa Financial Software Holdings' overall GF Score™ is 82/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash Ratio calculated?
Cash Ratio is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current Cash Ratio is 0.92 as of Dec. 2025. 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 £1.64 is trading 31.7% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
Cash Ratio: 0.92 (28% below median its 10-year median of 1.27)
GF Value™: £2.40 vs. price of £1.64 (31.7% below fair value)
Industry Position: 17.9% above the Software median (#1273 of 2818)
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 Business Description
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.
82GF Score
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