Alfa Financial Software Holdings PLC
Alfa Financial Software Holdings PLC, through its subsidiaries, provides software and related services to the auto and equipment finance industry in the United Kingdom, North America, Rest of Europe, the Middle East, Africa, and internationally. It operates through Subscription, Software Engineering, and Delivery segments. The company offers Alfa Systems 6, an asset finance software; and cloud ho… Read more
Alfa Financial Software Holdings PLC (ALFA) - Net Assets
Latest net assets as of June 2025: GBX51.10 Million GBX
Based on the latest financial reports, Alfa Financial Software Holdings PLC (ALFA) has net assets worth GBX51.10 Million GBX as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX91.70 Million) and total liabilities (GBX40.60 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX51.10 Million |
| % of Total Assets | 55.73% |
| Annual Growth Rate | 3.92% |
| 5-Year Change | -23.29% |
| 10-Year Change | -26.42% |
| Growth Volatility | 28.14 |
Alfa Financial Software Holdings PLC - Net Assets Trend (2013–2024)
This chart illustrates how Alfa Financial Software Holdings PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Alfa Financial Software Holdings PLC (2013–2024)
The table below shows the annual net assets of Alfa Financial Software Holdings PLC from 2013 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | GBX46.20 Million | +10.00% |
| 2023-12-31 | GBX42.00 Million | 0.00% |
| 2022-12-31 | GBX42.00 Million | -3.23% |
| 2021-12-31 | GBX43.40 Million | -27.94% |
| 2020-12-31 | GBX60.23 Million | -26.86% |
| 2019-12-31 | GBX82.34 Million | +12.93% |
| 2018-12-31 | GBX72.92 Million | +34.73% |
| 2017-12-31 | GBX54.12 Million | -36.03% |
| 2016-12-31 | GBX84.60 Million | +34.74% |
| 2015-12-31 | GBX62.79 Million | +41.39% |
| 2014-12-31 | GBX44.41 Million | +46.79% |
| 2013-12-31 | GBX30.25 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Alfa Financial Software Holdings PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 632.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | GBX53.70 Million | 116.23% |
| Common Stock | GBX300.00K | 0.65% |
| Other Comprehensive Income | GBX100.00K | 0.22% |
| Total Equity | GBX46.20 Million | 100.00% |
Alfa Financial Software Holdings PLC Competitors by Market Cap
The table below lists competitors of Alfa Financial Software Holdings PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Grifols SA
MC:GRF-P
|
$67.21K |
|
Crossroads Systems Inc
OTCQX:CRSS
|
$67.28K |
|
BURA39
SA:BURA39
|
$67.31K |
|
Helix BioMedix Inc
PINK:HXBM
|
$67.36K |
|
Edgio Inc
NASDAQ:EGIO
|
$67.13K |
|
Picton Mahoney Fortified Core Bond Fund
TO:PFCB
|
$67.12K |
|
KEISEI EL RAILWAY
MU:KEI
|
$67.10K |
|
TF1 (FSE.SG)
STU:FSE
|
$67.07K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Alfa Financial Software Holdings PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 42,000,000 to 46,200,000, a change of 4,200,000 (10.0%).
- Net income of 25,600,000 contributed positively to equity growth.
- Dividend payments of 22,100,000 reduced retained earnings.
- Share repurchases of 700,000 reduced equity.
- Other comprehensive income decreased equity by 100,000.
- Other factors increased equity by 1,500,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX25.60 Million | +55.41% |
| Dividends Paid | GBX22.10 Million | -47.84% |
| Share Repurchases | GBX700.00K | -1.52% |
| Other Comprehensive Income | GBX-100.00K | -0.22% |
| Other Changes | GBX1.50 Million | +3.25% |
| Total Change | GBX- | 10.00% |
Book Value vs Market Value Analysis
This analysis compares Alfa Financial Software Holdings PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1027.60x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 1332.66x to 1027.60x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2014-12-31 | GBX0.12 | GBX158.80 | x |
| 2015-12-31 | GBX0.17 | GBX158.80 | x |
| 2016-12-31 | GBX0.28 | GBX158.80 | x |
| 2017-12-31 | GBX0.18 | GBX158.80 | x |
| 2018-12-31 | GBX0.24 | GBX158.80 | x |
| 2019-12-31 | GBX0.28 | GBX158.80 | x |
| 2020-12-31 | GBX0.20 | GBX158.80 | x |
| 2021-12-31 | GBX0.14 | GBX158.80 | x |
| 2022-12-31 | GBX0.14 | GBX158.80 | x |
| 2023-12-31 | GBX0.14 | GBX158.80 | x |
| 2024-12-31 | GBX0.15 | GBX158.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Alfa Financial Software Holdings PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 55.41%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 23.29%
- • Asset Turnover: 1.30x
- • Equity Multiplier: 1.83x
- Recent ROE (55.41%) is above the historical average (36.60%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2014 | 31.52% | 26.03% | 0.74x | 1.64x | GBX7.69 Million |
| 2015 | 29.08% | 27.13% | 0.64x | 1.68x | GBX9.62 Million |
| 2016 | 9.30% | 10.74% | 0.64x | 1.35x | GBX-590.80K |
| 2017 | 47.79% | 29.47% | 1.21x | 1.34x | GBX20.45 Million |
| 2018 | 24.89% | 25.55% | 0.80x | 1.21x | GBX10.86 Million |
| 2019 | 12.37% | 15.79% | 0.55x | 1.43x | GBX1.95 Million |
| 2020 | 33.70% | 25.74% | 0.83x | 1.59x | GBX14.28 Million |
| 2021 | 44.24% | 23.08% | 0.99x | 1.94x | GBX14.86 Million |
| 2022 | 58.33% | 26.26% | 1.22x | 1.82x | GBX20.30 Million |
| 2023 | 55.95% | 23.04% | 1.36x | 1.79x | GBX19.30 Million |
| 2024 | 55.41% | 23.29% | 1.30x | 1.83x | GBX20.98 Million |
Industry Comparison
This section compares Alfa Financial Software Holdings PLC's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $29,668,235
- Average return on equity (ROE) among peers: -7.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Alfa Financial Software Holdings PLC (ALFA) | GBX51.10 Million | 31.52% | 0.79x | $67.16K |
| 4Global PLC (4GBL) | $3.47 Million | 11.07% | 0.37x | $721.22 |
| AdvancedAdvT Ltd (ADVT) | $152.14 Million | 8.06% | 0.18x | $26.56K |
| AIQ Ltd (AIQ) | $685.74K | -174.25% | 0.61x | $315.18 |
| Altitude Group Plc (ALT) | $1.29 Million | 0.00% | 5.34x | $2.09K |
| Anemoi International Ltd (AMOI) | $4.08 Million | -21.99% | 0.20x | $286.61 |
| ActiveOps PLC (AOM) | $1.06 Million | 109.06% | 6.53x | $23.73K |
| Aptitude Software Group PLC (APTD) | $61.02 Million | 4.31% | 0.35x | $15.82K |
| Arcontech Group Plc (ARC) | $2.80 Million | -32.58% | 0.27x | $1.33K |
| Big Technologies PLC (BIG) | $40.46 Million | 27.57% | 0.21x | $38.30K |