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Alfa Financial Software HoldingsCHIX:ALFAL -3.14%80 3-Year EPS without NRI Growth Rate is 7.60% as of Jun. 2026, which is at its 10-year median of 7.60. GuruFocus rates CHIX:ALFAL with a GF Score™ of 80/100 and a GF Value™ of £2.40 (Significantly Undervalued). Among 2,062 Software companies, Alfa Financial Software Holdings ranks worse than 57.18% on this metric.
During the past 12 months, Alfa Financial Software Holdings's average EPS without NRI Growth Rate was -6.00% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 7.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 8.50% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 3.80% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Alfa Financial Software Holdings was 42.50% per year. The lowest was -24.80% per year. And the median was 7.60% per year.
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Alfa Financial Software Holdings 3-Year EPS without NRI Growth Rate Related Terms
CHIX:ALFAL vs CRM, SHOP, UBER: 3-Year EPS without NRI Growth Rate Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's 3-Year EPS without NRI Growth Rate falls into.
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 7.60% mean?
Alfa Financial Software Holdings (CHIX:ALFAL) has a 3-Year EPS without NRI Growth Rate of 7.60% as of Jun. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Alfa Financial Software Holdings and its competitors. This is near median its historical median of 7.60. According to the industry distribution chart, Alfa Financial Software Holdings ranks #1179 out of 2062 companies in the Software industry, placing it in the top 57.2%.
Is Alfa Financial Software Holdings' 3-Year EPS without NRI Growth Rate too high?
Alfa Financial Software Holdings' current 3-Year EPS without NRI Growth Rate of 7.60% is near median its 10-year median of 7.60. The Software industry median 3-Year EPS without NRI Growth Rate is 12.40. Alfa Financial Software Holdings' value of 7.60% is 38.7% below this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #1179 out of 2062 companies in the Software industry, which is below the industry midpoint. Overall, Alfa Financial Software Holdings has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Alfa Financial Software Holdings' 3-Year EPS without NRI Growth Rate compare to CRM and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #1179 out of 2062 companies for 3-Year EPS without NRI Growth Rate. This places Alfa Financial Software Holdings in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 12.40. Alfa Financial Software Holdings' value of 7.60% is 38.7% below this benchmark. While the company's 10-year median is 7.60 vs. the industry median of 12.40, 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 3-Year EPS without NRI Growth Rate for a Software company?
The median 3-Year EPS without NRI Growth Rate among Software companies is 12.40, based on 2,062 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate of 7.60% is 38.7% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Alfa Financial Software Holdings and its competitors. For the Software industry, the median 3-Year EPS without NRI Growth Rate is 12.40 — 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 EPS without NRI Growth Rate is 7.60%, which is near median its own 10-year median of 7.60. 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 £1.67 — trading 30.6% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 7.60%, which is near median its 10-year median of 7.60 and 38.7% below the Software industry median of 12.40. Alfa Financial Software Holdings' overall GF Score™ is 80/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current 3-Year EPS without NRI Growth Rate is 7.60% 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 £1.67 is trading 30.6% 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 EPS without NRI Growth Rate: 7.60% (near median its 10-year median of 7.60)
GF Value™: £2.40 vs. price of £1.67 (30.6% below fair value)
Industry Position: 38.7% below the Software median (#1179 of 2062)
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.
80GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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