What is Alfa Financial Software Holdings EV-to-FCF?
Alfa Financial Software HoldingsCHIX:ALFAL +2.11%82 EV-to-FCF is 13.91 as of Jun. 29, 2026, which is 29% below its 10-year median of 19.56. GuruFocus rates CHIX:ALFAL with a GF Score™ of 82/100 and a GF Value™ of £2.39 (Significantly Undervalued). Among 1,587 Software companies, Alfa Financial Software Holdings ranks better than 50.09% on this metric.
The historical rank and industry rank for Alfa Financial Software Holdings's EV-to-FCF or its related term are showing as below:
CHIX:ALFAl'
s EV-to-FCF Range Over the Past 10 Years
Min: 8.34 Med: 19.56 Max: 85.65
Current: 13.91
During the past 13 years, the highest EV-to-FCF of Alfa Financial Software Holdings was 85.65. The lowest was 8.34. And the median was 19.56.
CHIX:ALFAl's EV-to-FCF is ranked better than 50.09% of 1587
companies
in the Software industry
Industry Median: 13.97
vs CHIX:ALFAl: 13.91
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Alfa Financial Software Holdings's PE Ratio (TTM) for today is calculated as:
Alfa Financial Software Holdings's share price for today is £1.552.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Alfa Financial Software Holdings's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was £0.102.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Alfa Financial Software Holdings EV-to-FCF Related Terms
Alfa Financial Software Holdings EV-to-FCF 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: EV-to-FCF Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's EV-to-FCF falls into.
Alfa Financial Software Holdings's current Enterprise Value is £442.5 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Alfa Financial Software Holdings's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was £31.8 Mil.
* 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 EV-to-FCF of 13.91 as of Jun. 29, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Alfa Financial Software Holdings and its competitors. This is 29% below median its historical median of 19.56. Over the past decade, Alfa Financial Software Holdings' EV-to-FCF has ranged from 8.34 to 85.65. According to the industry distribution chart, Alfa Financial Software Holdings ranks #792 out of 1587 companies in the Software industry, placing it in the top 49.9%.
Is Alfa Financial Software Holdings' EV-to-FCF too high?
Alfa Financial Software Holdings' current EV-to-FCF of 13.91 is 29% below median its 10-year median of 19.56. Over the past 10 years, this metric has ranged from a low of 8.34 to a high of 85.65. The Software industry median EV-to-FCF is 13.97. Alfa Financial Software Holdings' value of 13.91 is 0.4% below this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #792 out of 1587 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' EV-to-FCF compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #792 out of 1587 companies for EV-to-FCF. This puts Alfa Financial Software Holdings in the upper half of its industry. The industry median EV-to-FCF is 13.97. Alfa Financial Software Holdings' value of 13.91 is 0.4% below this benchmark. Historically, Alfa Financial Software Holdings' own EV-to-FCF has ranged from 8.34 to 85.65 over the past decade. While the company's 10-year median is 19.56 vs. the industry median of 13.97, 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 EV-to-FCF for a Software company?
The median EV-to-FCF among Software companies is 13.97, based on 1,587 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current EV-to-FCF of 13.91 is 0.4% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median EV-to-FCF is 13.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current EV-to-FCF is 13.91, which is 29% below median its own 10-year median of 19.56. 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 £2.39, compared to a current price of £1.55 — trading 35.1% below its estimated fair value. The current EV-to-FCF is 13.91, which is 29% below median its 10-year median of 19.56 and 0.4% below the Software industry median of 13.97. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current EV-to-FCF is 13.91 as of Jun. 29, 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 £1.55 is trading 35.1% below its estimated GF Value™ of £2.39.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
EV-to-FCF: 13.91 (29% below median its 10-year median of 19.56)
GF Value™: £2.39 vs. price of £1.55 (35.1% below fair value)
Industry Position: 0.4% below the Software median (#792 of 1587)
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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