3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Alfa Financial Software Holdings's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 73.59%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Alfa Financial Software Holdings 3-Year ROIIC % Related Terms
Alfa Financial Software Holdings 3-Year ROIIC % 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: 3-Year ROIIC % Comparison
For the Software - Application subindustry, Alfa Financial Software Holdings's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Software Industry
For the Software industry and Technology sector, Alfa Financial Software Holdings's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Alfa Financial Software Holdings's 3-Year ROIIC % falls into.
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 30.09906 (Dec. 2025) - 25.09488 (Dec. 2022) )
/
( 60.4 (Dec. 2025) - 53.6 (Dec. 2022) )
=
5.00418
/
6.8
=
73.59%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Alfa Financial Software Holdings (CHIX:ALFAL) has a 3-Year ROIIC % of 73.59 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Alfa Financial Software Holdings and its competitors. According to the industry distribution chart, Alfa Financial Software Holdings ranks #381 out of 2621 companies in the Software industry, placing it in the top 14.5%.
Is Alfa Financial Software Holdings' 3-Year ROIIC % too high?
Alfa Financial Software Holdings' current 3-Year ROIIC % is 73.59. The Software industry median 3-Year ROIIC % is 5.24. Alfa Financial Software Holdings' value of 73.59 is 1304.4% above this industry median. Based on the distribution chart, Alfa Financial Software Holdings ranks #381 out of 2621 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' 3-Year ROIIC % compare to UBER and SHOP?
According to the Software industry distribution chart, Alfa Financial Software Holdings ranks #381 out of 2621 companies for 3-Year ROIIC %. This places Alfa Financial Software Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median 3-Year ROIIC % is 5.24. Alfa Financial Software Holdings' value of 73.59 is 1304.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year ROIIC % for a Software company?
The median 3-Year ROIIC % among Software companies is 5.24, based on 2,621 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Alfa Financial Software Holdings's current 3-Year ROIIC % of 73.59 is 1304.4% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Alfa Financial Software Holdings and its competitors. For the Software industry, the median 3-Year ROIIC % is 5.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alfa Financial Software Holdings's current 3-Year ROIIC % is 73.59. 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 £1.61 — trading 33.1% below its estimated fair value. The current 3-Year ROIIC % is 73.59 and 1304.4% above the Software industry median of 5.24. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Alfa Financial Software Holdings (CHIX:ALFAL), the current 3-Year ROIIC % is 73.59 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 £1.61 is trading 33.1% below its estimated GF Value™ of £2.40.
GuruFocus considers Alfa Financial Software Holdings to be Significantly Undervalued.
Key valuation signals for CHIX:ALFAL:
3-Year ROIIC %: 73.59
GF Value™: £2.40 vs. price of £1.61 (33.1% below fair value)
Industry Position: 1304.4% above the Software median (#381 of 2621)
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
3-Year ROIIC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHIX:ALFAL has been successfully added to your 
