Alfa Financial Software HoldingsCHIX:ALFAL +1.41%82 Return-on-Tangible-Asset is 51.92% as of Dec. 2025, which is 47% above its 10-year median of 35.31. GuruFocus rates CHIX:ALFAL with a GF Score™ of 82/100 and a GF Value™ of £2.40 (Significantly Undervalued). Among 2,877 Software companies, Alfa Financial Software Holdings ranks better than 98.82% on this metric.
The historical rank and industry rank for Alfa Financial Software Holdings's Return-on-Tangible-Asset or its related term are showing as below:
CHIX:ALFAl'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 10.51 Med: 35.31 Max: 57.77
Current: 56.4
During the past 13 years, Alfa Financial Software Holdings's highest Return-on-Tangible-Asset was 57.77%. The lowest was 10.51%. And the median was 35.31%.
CHIX:ALFAl's Return-on-Tangible-Asset is ranked better than 98.82% of 2877
companies
in the Software industry
Industry Median: 2.07
vs CHIX:ALFAl: 56.40
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Alfa Financial Software Holdings Return-on-Tangible-Asset Related Terms
Alfa Financial Software Holdings Return-on-Tangible-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 UBER, SHOP, CRM: Return-on-Tangible-Asset Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is two times the semi-annual (Dec. 2025) net income data.
What does a Return-on-Tangible-Asset of 51.92% mean?
Alfa Financial Software Holdings (CHIX:ALFAL) has a Return-on-Tangible-Asset of 51.92% as of Dec. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Alfa Financial Software Holdings and its competitors. This is 47% above median its historical median of 35.31. Over the past decade, Alfa Financial Software Holdings' Return-on-Tangible-Asset has ranged from 10.51 to 57.77. According to the industry distribution chart, Alfa Financial Software Holdings ranks #34 out of 2877 companies in the Software industry, placing it in the top 1.2%.
Is Alfa Financial Software Holdings' Return-on-Tangible-Asset too high?
Alfa Financial Software Holdings' current Return-on-Tangible-Asset of 51.92% is 47% above median its 10-year median of 35.31. Over the past 10 years, this metric has ranged from a low of 10.51 to a high of 57.77. The Software industry median Return-on-Tangible-Asset is 2.07. Alfa Financial Software Holdings' value of 51.92% is 2408.2% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #34 out of 2877 companies in the Software industry, which is in the top quartile — a strong position relative to peers. 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' Return-on-Tangible-Asset compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #34 out of 2877 companies for Return-on-Tangible-Asset. This places Alfa Financial Software Holdings in the top 1% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.07. Alfa Financial Software Holdings' value of 51.92% is 2408.2% above this benchmark. Historically, Alfa Financial Software Holdings' own Return-on-Tangible-Asset has ranged from 10.51 to 57.77 over the past decade. While the company's 10-year median is 35.31 vs. the industry median of 2.07, 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 Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.07, based on 2,877 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current Return-on-Tangible-Asset of 51.92% is 2408.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current Return-on-Tangible-Asset is 51.92%, which is 47% above median its own 10-year median of 35.31. 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 £2.40, compared to a current price of £1.58 — trading 34% below its estimated fair value. The current Return-on-Tangible-Asset is 51.92%, which is 47% above median its 10-year median of 35.31 and 2408.2% above the Software industry median of 2.07. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current Return-on-Tangible-Asset is 51.92% 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 £1.58 is trading 34% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
Return-on-Tangible-Asset: 51.92% (47% above median its 10-year median of 35.31)
GF Value™: £2.40 vs. price of £1.58 (34% below fair value)
Industry Position: 2408.2% above the Software median (#34 of 2877)
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
Get the complete analysis for CHIX:ALFAL
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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