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What is Alfa Financial Software Holdings Debt-to-EBITDA?
Alfa Financial Software HoldingsCHIX:ALFAL -0.12%81 Debt-to-EBITDA is 0.23 as of Dec. 2025, which is 21% below its 10-year median of 0.29. GuruFocus rates CHIX:ALFAL with a GF Score™ of 81/100 and a GF Value™ of £2.40 (Significantly Undervalued). Among 1,716 Software companies, Alfa Financial Software Holdings ranks better than 78.73% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Alfa Financial Software Holdings's Debt-to-EBITDA or its related term are showing as below:
CHIX:ALFAl'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.21 Med: 0.29 Max: 1.14
Current: 0.21
During the past 13 years, the highest Debt-to-EBITDA Ratio of Alfa Financial Software Holdings was 1.14. The lowest was 0.21. And the median was 0.29.
CHIX:ALFAl's Debt-to-EBITDA is ranked better than 78.73% of 1716
companies
in the Software industry
Industry Median: 1.085
vs CHIX:ALFAl: 0.21
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Alfa Financial Software Holdings Debt-to-EBITDA Related Terms
Alfa Financial Software Holdings Debt-to-EBITDA 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: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Dec. 2025) EBITDA data.
Alfa Financial Software Holdings (CHIX:ALFAL) has a Debt-to-EBITDA of 0.23 as of Dec. 2025. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Alfa Financial Software Holdings. This is 21% below median its historical median of 0.29. Over the past decade, Alfa Financial Software Holdings' Debt-to-EBITDA has ranged from 0.21 to 1.14. According to the industry distribution chart, Alfa Financial Software Holdings ranks #365 out of 1716 companies in the Software industry, placing it in the top 21.3%.
Is Alfa Financial Software Holdings' Debt-to-EBITDA too high?
Alfa Financial Software Holdings' current Debt-to-EBITDA of 0.23 is 21% below median its 10-year median of 0.29. Over the past 10 years, this metric has ranged from a low of 0.21 to a high of 1.14. The Software industry median Debt-to-EBITDA is 1.09. Alfa Financial Software Holdings' value of 0.23 is 78.8% below this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #365 out of 1716 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Alfa Financial Software Holdings has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alfa Financial Software Holdings' Debt-to-EBITDA compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #365 out of 1716 companies for Debt-to-EBITDA. This places Alfa Financial Software Holdings in the top 21% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.09. Alfa Financial Software Holdings' value of 0.23 is 78.8% below this benchmark. Historically, Alfa Financial Software Holdings' own Debt-to-EBITDA has ranged from 0.21 to 1.14 over the past decade. While the company's 10-year median is 0.29 vs. the industry median of 1.09, Alfa Financial Software Holdings has consistently been below 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 Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.09, based on 1,716 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current Debt-to-EBITDA of 0.23 is 78.8% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Alfa Financial Software Holdings. For the Software industry, the median Debt-to-EBITDA is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current Debt-to-EBITDA is 0.23, which is 21% below median its own 10-year median of 0.29. 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 £1.61 — trading 33.1% below its estimated fair value. The current Debt-to-EBITDA is 0.23, which is 21% below median its 10-year median of 0.29 and 78.8% below the Software industry median of 1.09. Alfa Financial Software Holdings' overall GF Score™ is 81/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current Debt-to-EBITDA is 0.23 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 £1.61 is trading 33.1% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
Debt-to-EBITDA: 0.23 (21% below median its 10-year median of 0.29)
GF Value™: £2.40 vs. price of £1.61 (33.1% below fair value)
Industry Position: 78.8% below the Software median (#365 of 1716)
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.
81GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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