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Alfa Financial Software HoldingsCHIX:ALFAL +0.55%82 Equity-to-Asset is 0.57 as of Dec. 2025, which is 5% below its 10-year median of 0.60. GuruFocus rates CHIX:ALFAL with a GF Score™ of 82/100 and a GF Value™ of £2.40 (Significantly Undervalued). Among 2,893 Software companies, Alfa Financial Software Holdings ranks better than 52.92% on this metric.
The historical rank and industry rank for Alfa Financial Software Holdings's Equity-to-Asset or its related term are showing as below:
CHIX:ALFAl'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.52 Med: 0.6 Max: 0.82
Current: 0.57
During the past 13 years, the highest Equity to Asset Ratio of Alfa Financial Software Holdings was 0.82. The lowest was 0.52. And the median was 0.60.
CHIX:ALFAl's Equity-to-Asset is ranked better than 52.92% of 2893
companies
in the Software industry
Industry Median: 0.56
vs CHIX:ALFAl: 0.57
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Alfa Financial Software Holdings Equity-to-Asset Related Terms
Alfa Financial Software Holdings Equity-to-Asset 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 QH, SHOP, UBER: Equity-to-Asset Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.57 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alfa Financial Software Holdings and its competitors. This is near median its historical median of 0.60. Over the past decade, Alfa Financial Software Holdings' Equity-to-Asset has ranged from 0.52 to 0.82. According to the industry distribution chart, Alfa Financial Software Holdings ranks #1362 out of 2893 companies in the Software industry, placing it in the top 47.1%.
Is Alfa Financial Software Holdings' Equity-to-Asset too high?
Alfa Financial Software Holdings' current Equity-to-Asset of 0.57 is near median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.52 to a high of 0.82. The Software industry median Equity-to-Asset is 0.56. Alfa Financial Software Holdings' value of 0.57 is 1.8% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #1362 out of 2893 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' Equity-to-Asset compare to QH and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #1362 out of 2893 companies for Equity-to-Asset. This puts Alfa Financial Software Holdings in the upper half of its industry. The industry median Equity-to-Asset is 0.56. Alfa Financial Software Holdings' value of 0.57 is 1.8% above this benchmark. Historically, Alfa Financial Software Holdings' own Equity-to-Asset has ranged from 0.52 to 0.82 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.56, 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 Equity-to-Asset for a Software company?
The median Equity-to-Asset among Software companies is 0.56, based on 2,893 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current Equity-to-Asset of 0.57 is 1.8% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median Equity-to-Asset is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current Equity-to-Asset is 0.57, which is near median its own 10-year median of 0.60. 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 £1.66 — trading 30.9% below its estimated fair value. The current Equity-to-Asset is 0.57, which is near median its 10-year median of 0.60 and 1.8% above the Software industry median of 0.56. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current Equity-to-Asset is 0.57 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 £1.66 is trading 30.9% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
Equity-to-Asset: 0.57 (near median its 10-year median of 0.60)
GF Value™: £2.40 vs. price of £1.66 (30.9% below fair value)
Industry Position: 1.8% above the Software median (#1362 of 2893)
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.
82GF Score
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