A Business at a Glance
0 of 5 daily views used (5 remaining). Sign up free for 10 daily views, or try AAPL for a full preview.
ALFA FINANCIAL SOFTWARE HOLDING operates in the Software - Application industry, Technology sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 141M | 141M | 127M | 115M | 114M | 102M |
| Net Income | 33M | 33M | 29M | 30M | 26M | 26M |
| EPS | $0.11 | $0.11 | $0.10 | $0.10 | $8.78 | $0.09 |
| Free Cash Flow | 36M | 36M | 39M | 33M | 36M | 33M |
| ROIC | 100.2% | 80.7% | 75.9% | 65.4% | 53.5% | 47.9% |
| Gross Margin | 64.5% | 64.5% | 62.5% | 64.2% | 65.1% | 65.8% |
| Debt/Equity | 0.00 | 0.24 | 0.18 | 0.21 | 0.38 | 0.29 |
| Dividends/Share | $0.10 | $0.10 | $0.02 | $0.09 | $15.19 | $0.19 |
| Operating Income | 44M | 44M | 38M | 36M | 34M | 31M |
| Operating Margin | 31.2% | 31.2% | 29.5% | 31.7% | 29.7% | 30.3% |
| ROE | 55.4% | 58.7% | 56.3% | 54.2% | 38.5% | 33.7% |
| Shares Outstanding | 295M | 295M | 294M | 297M | 3M | 293M |
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 102M | 114M | 115M | 127M | 141M | 141M |
| Gross Margin | 65.8% | 65.1% | 64.2% | 62.5% | 64.5% | 64.5% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | -37M | -41M | -38M | -43M | -47M | -47M |
| EBIT | 31M | 34M | 36M | 38M | 44M | 44M |
| Op. Margin | 30.3% | 29.7% | 31.7% | 29.5% | 31.2% | 31.2% |
| Net Income | 26M | 26M | 30M | 29M | 33M | 33M |
| Net Margin | 25.7% | 23.1% | 26.3% | 23.0% | 23.3% | 23.3% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | 47.9% | 53.5% | 65.4% | 75.9% | 80.7% | 100.2% |
| ROE | 33.7% | 38.5% | 54.2% | 56.3% | 58.7% | 55.4% |
| ROA | 21.3% | 22.1% | 28.8% | 31.2% | 32.4% | 30.2% |
| Cash Flow | ||||||
| Op. Cash Flow | 33M | 37M | 34M | 40M | 36M | 36M |
| Free Cash Flow | 33M | 36M | 33M | 39M | 36M | 36M |
| Owner Earnings | 31M | 35M | 31M | 38M | 35M | 35M |
| CapEx | 258K | 412K | 863K | 749K | 384K | 384K |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 384K |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 0.8% | 1.1% | 2.6% | 1.9% | 1.1% | 1.1% |
| Capital Allocation | ||||||
| Dividends Paid | 57M | 45M | 28M | 25M | 28M | 28M |
| Dividend Yield | 15.9% | 739.2% | 4.6% | 4.3% | 3.9% | 6.4% |
| Share Buybacks | 0 | 6.3M | 6.9M | 6.0M | 896K | 896K |
| Buyback Yield | 0.0% | 85.1% | 1.2% | 1.1% | 0.1% | 0.2% |
| Stock-Based Comp | 1.9M | 2.1M | 2.2M | 2.0M | 1.4M | 1.4M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | ||||||
| Net Debt | -26M | -8.9M | -12M | -18M | -12M | -26M |
| Cash & Equiv. | 48M | 32M | 23M | 27M | 26M | 26M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.29 | 0.38 | 0.21 | 0.18 | 0.24 | 0.00 |
| Interest Coverage | 29.9 | 30.9 | 49.3 | 60.2 | 49.0 | 49.0 |
| Equity | 78M | 60M | 52M | 52M | 59M | 59M |
| Total Assets | 123M | 115M | 94M | 94M | 108M | 108M |
| Total Liabilities | 45M | 56M | 43M | 41M | 49M | 49M |
| Intangibles | N/A | N/A | N/A | 6.2M | 12M | 12M |
| Retained Earnings | 77M | 64M | 60M | 63M | 69M | 69M |
| Working Capital | 42M | 21M | 17M | 15M | 18M | 18M |
| Current Assets | 65M | 54M | 48M | 47M | 53M | 53M |
| Current Liabilities | 23M | 33M | 32M | 32M | 35M | 35M |
| Per Share Data | ||||||
| EPS | 0.09 | 8.78 | 0.10 | 0.10 | 0.11 | 0.11 |
| Owner EPS | 0.11 | 11.71 | 0.11 | 0.13 | 0.12 | 0.12 |
| Book Value | 0.26 | 20.17 | 0.17 | 0.18 | 0.20 | 0.20 |
| Cash Flow/Share | 0.11 | 12.41 | 0.11 | 0.14 | 0.12 | 0.11 |
| Dividends/Share | 0.19 | 15.19 | 0.09 | 0.02 | 0.10 | 0.10 |
| Shares Out. | 292.9M | 3.0M | 297.3M | 294.1M | 294.9M | 294.9M |
| Valuation | ||||||
| P/E Ratio | 19.4 | 0.3 | 19.5 | 18.1 | 24.6 | 13.7 |
| P/FCF | 15.3 | 0.2 | 17.7 | 13.3 | 22.1 | 12.3 |
| EV/EBIT | 15.3 | -0.0 | 15.5 | 13.5 | 17.9 | 9.5 |
| Price/Book | 6.4 | 0.1 | 11.2 | 10.0 | 13.5 | 7.5 |
| Price/Sales | 4.9 | 0.1 | 5.0 | 4.1 | 5.7 | 3.1 |
| FCF Yield | 6.6% | 488.6% | 5.6% | 7.5% | 4.5% | 8.1% |
| Market Cap | 498M | 7.4M | 579M | 525M | 796M | 442M |
| Avg. Price | 1.23 | 2.06 | 2.05 | 1.95 | 2.43 | 1.50 |
| Year-End Price | 1.70 | 2.51 | 1.95 | 1.78 | 2.70 | 1.50 |
ALFA FINANCIAL SOFTWARE HOLDING passes 7 of 9 quality checks, indicating strong fundamentals.
ALFA FINANCIAL SOFTWARE HOLDING trades at 13.7x trailing earnings, compared to its 15-year median P/E of 19.4x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 12.3x vs a median of 15.3x. The company's 5-year average ROIC is 64.7% with a gross margin of 64.4%. Total shareholder yield (dividends + buybacks) is 6.6%. At current prices, the estimated annualized return to fair value is -2.9%.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a current P/E ratio of 13.7, compared to its historical median P/E of 19.4. The stock is currently considered Fair based on its historical valuation range.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a 5-year average return on invested capital (ROIC) of 64.7%. This indicates strong capital allocation and a potential competitive advantage.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a market capitalization of $442M. It is classified as a small-cap stock.
Yes, ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) pays a dividend with a trailing twelve-month yield of 6.39%. The company also returns capital through share buybacks, with a buyback yield of 0.20%.
Based on historical P/E analysis, ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) appears fair. The current P/E of 13.7 is 29% below its historical median of 19.4. The estimated fair value CAGR (P/E method) is -1.4%.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) operates in the Software - Application industry, within the Technology sector.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) reported annual revenue of $141 million in its most recent fiscal year, based on SEC EDGAR filings.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a net profit margin of 23.3%. This is a strong margin indicating high profitability.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) generated $36 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a debt-to-equity ratio of 0.24. This indicates a conservatively financed balance sheet.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) reported earnings per share (EPS) of $0.11 in its most recent fiscal year.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a return on equity (ROE) of 58.7%. This indicates the company generates strong returns for shareholders.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a 5-year average gross margin of 64.4%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 5 years of financial data for ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
ALFA FINANCIAL SOFTWARE HOLDING (ALFA-L) has a book value per share of $0.20, based on its most recent annual SEC filing.
No recent press releases.