Alfa Financial Software Holdings (CHIX:ALFAL) LT-Debt-to-Total-Asset: 0.09 (As of Dec. 2025)

What is Alfa Financial Software Holdings LT-Debt-to-Total-Asset?

Alfa Financial Software Holdings CHIX:ALFAL +0.26% 82 LT-Debt-to-Total-Asset is 0.09 as of Dec. 2025. GuruFocus rates CHIX:ALFAL with a GF Score™ of 82/100 and a GF Value™ of £2.39 (Significantly Undervalued).

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Alfa Financial Software Holdings's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.09.

Alfa Financial Software Holdings's long-term debt to total assets ratio declined from Dec. 2024 (0.11) to Dec. 2025 (0.09). It may suggest that Alfa Financial Software Holdings is progressively becoming less dependent on debt to grow their business.

Alfa Financial Software Holdings (CHIX:ALFAl) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Alfa Financial Software Holdings LT-Debt-to-Total-Asset Related Terms

Alfa Financial Software Holdings LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Alfa Financial Software Holdings's LT-Debt-to-Total-Asset can be seen below:

* 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 LT-Debt-to-Total-Asset Chart

Alfa Financial Software Holdings Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.18

0.11

0.09

0.11

0.09

Alfa Financial Software Holdings Semi-Annual Data
	Jun16	Dec16	Jun17	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.09	0.10	0.11	0.10	0.09

82GF Score

Alfa Financial Software Holdings PLC CHIX:ALFAL

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Alfa Financial Software Holdings LT-Debt-to-Total-Asset Calculation

Alfa Financial Software Holdings's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	8.1	/	90.7
	=	0.09

Alfa Financial Software Holdings's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	8.1	/	90.7
	=	0.09

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.09 mean?

Alfa Financial Software Holdings (CHIX:ALFAL) has a LT-Debt-to-Total-Asset of 0.09 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alfa Financial Software Holdings and its competitors.

Is Alfa Financial Software Holdings' LT-Debt-to-Total-Asset too high?

Alfa Financial Software Holdings' current LT-Debt-to-Total-Asset is 0.09. 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' LT-Debt-to-Total-Asset compare to UBER and SHOP?

Alfa Financial Software Holdings' LT-Debt-to-Total-Asset of 0.09 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Software company?

A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Alfa Financial Software Holdings and its competitors. Alfa Financial Software Holdings's current LT-Debt-to-Total-Asset is 0.09. 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 £1.56 — trading 34.9% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.09. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current LT-Debt-to-Total-Asset is 0.09 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 £1.56 is trading 34.9% below its estimated GF Value™ of £2.39. GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.

Key valuation signals for CHIX:ALFAL:

LT-Debt-to-Total-Asset: 0.09
GF Value™: £2.39 vs. price of £1.56 (34.9% below fair value)
GF Score™: 82/100

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

Industry Technology Software

Comparable Companies LSE:GBG LSE:ATG LSE:CER LSE:PINE LSE:BIG LSE:NET LSE:AOM LSE:EYE LSE:TRB LSE:DOTD XTER:SAP UBER SHOP CRM CDNS NOW ADP SNOW DDOG ADBE

Other Exchanges ALFA:UK A9F:Germany

Address 1 Fore Street Avenue, Moor Place, London, GBR, EC2Y 9DT

Website https://www.alfasystems.com

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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£1.56

Price

£2.39

GF Value

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