Alfa Financial Software Holdings (ALFA) Stock Overview
Through its subsidiaries, provides software and related services to the auto and equipment finance industry in the United Kingdom, North Americas, Europe, Africa, Australasia and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 2/6 |
| Past Performance | 6/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
Rewards
Risk Analysis
ALFA Community Fair Values
Create NarrativeSee what 11 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Alfa Financial Software Holdings PLC Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£1.55 |
| 52 Week High | UK£2.52 |
| 52 Week Low | UK£1.40 |
| Beta | 0.21 |
| 1 Month Change | -0.39% |
| 3 Month Change | 8.57% |
| 1 Year Change | -31.29% |
| 3 Year Change | -20.72% |
| 5 Year Change | 12.85% |
| Change since IPO | -64.03% |
Recent News & Updates
Narrative Update • Jun 23
ALFA: Dividend And Stable Assumptions Will Support Future Upside Potential
Analysts have kept their price target for Alfa Financial Software Holdings broadly unchanged in £ terms, indicating only marginal tweaks in key inputs such as discount rate, revenue growth, profit margin and future P/E assumptions, rather than any shift in their core view on the stock. What's in the News At its AGM held on 30 April 2026, Alfa Financial Software Holdings approved a final dividend of 1.5 pence per ordinary share, according to company meeting disclosures.Narrative Update • Jun 06
ALFA: Dividend Approval Will Support Future Upside Potential
Analysts have adjusted their price target on Alfa Financial Software Holdings, citing updated assumptions for the discount rate, revenue growth, profit margin and future P/E. These changes together refine their view of the stock's long term valuation in £ terms.
New Narrative • May 20
Cloud Migration And Regulatory Costs Will Pressure Margins Yet Strengthen Long Term Recurring Revenues
Catalysts About Alfa Financial Software Holdings Alfa Financial Software Holdings provides enterprise software for asset and automotive finance providers, with a growing focus on subscription and cloud delivery models. What are the underlying business or industry changes driving this perspective?Narrative Update • May 03
ALFA: Dividend Approval And CFO Transition Will Support Future Upside Potential
Analysts have trimmed their price target for Alfa Financial Software Holdings to £2.67 from £2.83, citing slightly lower assumptions for revenue growth, profit margin and future P/E, along with a higher discount rate in their models. What's in the News Shareholders approved a final dividend of 1.5 pence per ordinary share at the AGM held on 30 April 2026, confirming the latest cash return to investors (Key Developments).
New Narrative • May 02
Recurring Contract Volumes And New Markets Will Drive A Stronger Future Earnings Profile
Catalysts About Alfa Financial Software Holdings Alfa Financial Software Holdings supplies mission critical software for asset and automotive finance providers, delivered primarily through a single tenant, volume based SaaS model. What are the underlying business or industry changes driving this perspective?Recent updates
Narrative Update • Jun 23
ALFA: Dividend And Stable Assumptions Will Support Future Upside Potential
Analysts have kept their price target for Alfa Financial Software Holdings broadly unchanged in £ terms, indicating only marginal tweaks in key inputs such as discount rate, revenue growth, profit margin and future P/E assumptions, rather than any shift in their core view on the stock. What's in the News At its AGM held on 30 April 2026, Alfa Financial Software Holdings approved a final dividend of 1.5 pence per ordinary share, according to company meeting disclosures.Narrative Update • Jun 06
ALFA: Dividend Approval Will Support Future Upside Potential
Analysts have adjusted their price target on Alfa Financial Software Holdings, citing updated assumptions for the discount rate, revenue growth, profit margin and future P/E. These changes together refine their view of the stock's long term valuation in £ terms.New Narrative • May 20
Cloud Migration And Regulatory Costs Will Pressure Margins Yet Strengthen Long Term Recurring Revenues
Catalysts About Alfa Financial Software Holdings Alfa Financial Software Holdings provides enterprise software for asset and automotive finance providers, with a growing focus on subscription and cloud delivery models. What are the underlying business or industry changes driving this perspective?Narrative Update • May 03
ALFA: Dividend Approval And CFO Transition Will Support Future Upside Potential
Analysts have trimmed their price target for Alfa Financial Software Holdings to £2.67 from £2.83, citing slightly lower assumptions for revenue growth, profit margin and future P/E, along with a higher discount rate in their models. What's in the News Shareholders approved a final dividend of 1.5 pence per ordinary share at the AGM held on 30 April 2026, confirming the latest cash return to investors (Key Developments).New Narrative • May 02
Recurring Contract Volumes And New Markets Will Drive A Stronger Future Earnings Profile
Catalysts About Alfa Financial Software Holdings Alfa Financial Software Holdings supplies mission critical software for asset and automotive finance providers, delivered primarily through a single tenant, volume based SaaS model. What are the underlying business or industry changes driving this perspective?Analysis Article • Jul 31
Do Alfa Financial Software Holdings' (LON:ALFA) Earnings Warrant Your Attention?
Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...Analysis Article • May 01
Should You Be Adding Alfa Financial Software Holdings (LON:ALFA) To Your Watchlist Today?
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...
New Narrative • Feb 10
Launch Of Total Originations And AI-Enabled System 6 Will Expand Market Reach
Expansion into U.S. auto and European equipment finance, alongside new products, is projected to accelerate revenue growth.Analysis Article • Jan 31
Unpleasant Surprises Could Be In Store For Alfa Financial Software Holdings PLC's (LON:ALFA) Shares
When close to half the companies in the United Kingdom have price-to-earnings ratios (or "P/E's") below 15x, you may...Analysis Article • Jun 26
Earnings Not Telling The Story For Alfa Financial Software Holdings PLC (LON:ALFA)
When close to half the companies in the United Kingdom have price-to-earnings ratios (or "P/E's") below 16x, you may...Analysis Article • Mar 21
There May Be Some Bright Spots In Alfa Financial Software Holdings' (LON:ALFA) Earnings
Soft earnings didn't appear to concern Alfa Financial Software Holdings PLC's ( LON:ALFA ) shareholders over the last...Analysis Article • Jan 31
Alfa Financial Software Holdings PLC's (LON:ALFA) Shares Climb 26% But Its Business Is Yet to Catch Up
Alfa Financial Software Holdings PLC ( LON:ALFA ) shareholders would be excited to see that the share price has had a...Analysis Article • Jan 10
Should You Be Adding Alfa Financial Software Holdings (LON:ALFA) To Your Watchlist Today?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Jul 11
With EPS Growth And More, Alfa Financial Software Holdings (LON:ALFA) Makes An Interesting Case
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Apr 29
Alfa Financial Software Holdings (LON:ALFA) Is Very Good At Capital Allocation
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. Ideally, a...Analysis Article • Jan 15
Alfa Financial Software Holdings' (LON:ALFA) Returns Have Hit A Wall
To find a multi-bagger stock, what are the underlying trends we should look for in a business? Ideally, a business will...Shareholder Returns
| ALFA | GB Software | GB Market | |
|---|---|---|---|
| 7D | 2.9% | -0.7% | 0.8% |
| 1Y | -31.3% | -35.7% | 19.0% |
Return vs Industry: ALFA exceeded the UK Software industry which returned -35.7% over the past year.
Return vs Market: ALFA underperformed the UK Market which returned 19% over the past year.
Price Volatility
| ALFA volatility | |
|---|---|
| ALFA Average Weekly Movement | 4.4% |
| Software Industry Average Movement | 5.8% |
| Market Average Movement | 5.5% |
| 10% most volatile stocks in GB Market | 10.9% |
| 10% least volatile stocks in GB Market | 3.0% |
Stable Share Price: ALFA has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: ALFA's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1990 | 527 | Andrew Denton | www.alfasystems.com |
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 Americas, Europe, Africa, Australasia and internationally. It operates through Subscription, Software Engineering, and Delivery segments. The company offers Alfa Systems 6, an asset finance software; and cloud hosting and software implementation services.
Alfa Financial Software Holdings PLC Fundamentals Summary
| ALFA fundamental statistics | |
|---|---|
| Market cap | UK£459.57m |
| Earnings (TTM) | UK£30.10m |
| Revenue (TTM) | UK£126.70m |
15.3x
P/E Ratio3.6x
P/S RatioIs ALFA overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| ALFA income statement (TTM) | |
|---|---|
| Revenue | UK£126.70m |
| Cost of Revenue | UK£46.00m |
| Gross Profit | UK£80.70m |
| Other Expenses | UK£50.60m |
| Earnings | UK£30.10m |
Last Reported Earnings
Dec 31, 2025
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.10 |
| Gross Margin | 63.69% |
| Net Profit Margin | 23.76% |
| Debt/Equity Ratio | 0% |
How did ALFA perform over the long term?
See historical performance and comparisonDividends
6.2%
Current Dividend Yield15%
Payout RatioDoes ALFA pay a reliable dividends?
See ALFA dividend history and benchmarks| Alfa Financial Software Holdings dividend dates | |
|---|---|
| Ex Dividend Date | May 28 2026 |
| Dividend Pay Date | Jun 26 2026 |
| Days until Ex dividend | 30 days |
| Days until Dividend pay date | 1 day |
Does ALFA pay a reliable dividends?
See ALFA dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/26 00:05 |
| End of Day Share Price | 2026/06/26 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Alfa Financial Software Holdings PLC is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| James Goodman | Barclays |
| Sven Merkt | Barclays |
| Robert Chantry | Berenberg |