Alfa Financial Software HoldingsCHIX:ALFAL +2.11%82 Interest Coverage is 61.67 as of Dec. 2025, which is 16% above its 10-year median of 53.31. GuruFocus rates CHIX:ALFAL with a GF Score™ of 82/100 and a GF Value™ of £2.39 (Significantly Undervalued). Among 1,705 Software companies, Alfa Financial Software Holdings ranks better than 60.88% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Alfa Financial Software Holdings's
Operating Income
for the
six
months ended in Dec. 2025 was £18.5 Mil. Alfa Financial Software Holdings's Interest Expense for the
six
months ended in Dec. 2025 was £-0.3 Mil.
Alfa Financial Software Holdings's interest coverage for the quarter that ended in Dec. 2025 was 61.67.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Ben Graham prefers companies' interest coverage to be at least 5. Alfa Financial Software Holdings PLC has enough cash to cover all of its debt. Its financial situation is stable.
The historical rank and industry rank for Alfa Financial Software Holdings's Interest Coverage or its related term are showing as below:
CHIX:ALFAl'
s Interest Coverage Range Over the Past 10 Years
Min: 16.41 Med: 53.31 Max: No Debt
Current: 57.29
CHIX:ALFAl's Interest Coverage is ranked better than 60.88% of 1705
companies
in the Software industry
Industry Median: 24.78
vs CHIX:ALFAl: 57.29
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Alfa Financial Software Holdings Interest Coverage Related Terms
Alfa Financial Software Holdings Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
CHIX:ALFAL vs UBER, SHOP, CRM: Interest Coverage Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 61.67 as of Dec. 2025. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Alfa Financial Software Holdings and its competitors. This is 16% above median its historical median of 53.31. Over the past decade, Alfa Financial Software Holdings' Interest Coverage has ranged from 16.41 to 10,000.00. According to the industry distribution chart, Alfa Financial Software Holdings ranks #667 out of 1705 companies in the Software industry, placing it in the top 39.1%.
Is Alfa Financial Software Holdings' Interest Coverage too high?
Alfa Financial Software Holdings' current Interest Coverage of 61.67 is 16% above median its 10-year median of 53.31. Over the past 10 years, this metric has ranged from a low of 16.41 to a high of 10,000.00. The Software industry median Interest Coverage is 24.78. Alfa Financial Software Holdings' value of 61.67 is 148.9% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #667 out of 1705 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' Interest Coverage compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #667 out of 1705 companies for Interest Coverage. This puts Alfa Financial Software Holdings in the upper half of its industry. The industry median Interest Coverage is 24.78. Alfa Financial Software Holdings' value of 61.67 is 148.9% above this benchmark. Historically, Alfa Financial Software Holdings' own Interest Coverage has ranged from 16.41 to 10,000.00 over the past decade. While the company's 10-year median is 53.31 vs. the industry median of 24.78, 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 Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 24.78, based on 1,705 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current Interest Coverage of 61.67 is 148.9% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median Interest Coverage is 24.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current Interest Coverage is 61.67, which is 16% above median its own 10-year median of 53.31. 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 Interest Coverage is 61.67, which is 16% above median its 10-year median of 53.31 and 148.9% above the Software industry median of 24.78. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current Interest Coverage is 61.67 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 £1.55 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:
Interest Coverage: 61.67 (16% above median its 10-year median of 53.31)
GF Value™: £2.39 vs. price of £1.55 (35.1% below fair value)
Industry Position: 148.9% above the Software median (#667 of 1705)
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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Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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