Alfa Financial Software Holdings PLC, through its subsidiaries, provides software solutions and consultancy services to the asset finance industry in the United Kingdom, the United States, rest of Europe, and internationally. More Details
Flawless balance sheet with outstanding track record.
Share Price & News
How has Alfa Financial Software Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: ALFA is more volatile than 75% of UK stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: ALFA's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of UK stocks.
7 Day Return
1 Year Return
Return vs Industry: ALFA exceeded the UK Software industry which returned 6.4% over the past year.
Return vs Market: ALFA exceeded the UK Market which returned 17% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Alfa Financial Software Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StDid You Participate In Any Of Alfa Financial Software Holdings' (LON:ALFA) Respectable 98% Return?
2 months ago | Simply Wall StMany Would Be Envious Of Alfa Financial Software Holdings' (LON:ALFA) Excellent Returns On Capital
3 months ago | Simply Wall StAlfa Financial Software Holdings PLC (LON:ALFA) On An Uptrend: Could Fundamentals Be Driving The Stock?
Is Alfa Financial Software Holdings undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: ALFA (£1.42) is trading above our estimate of fair value (£0.53)
Significantly Below Fair Value: ALFA is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: ALFA is good value based on its PE Ratio (20.5x) compared to the UK Software industry average (50.1x).
PE vs Market: ALFA is good value based on its PE Ratio (20.5x) compared to the UK market (23.2x).
Price to Earnings Growth Ratio
PEG Ratio: ALFA's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: ALFA is overvalued based on its PB Ratio (7.1x) compared to the GB Software industry average (4.3x).
How is Alfa Financial Software Holdings forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: ALFA's earnings are forecast to decline over the next 3 years (-26.1% per year).
Earnings vs Market: ALFA's earnings are forecast to decline over the next 3 years (-26.1% per year).
High Growth Earnings: ALFA's earnings are forecast to decline over the next 3 years.
Revenue vs Market: ALFA's revenue (0.2% per year) is forecast to grow slower than the UK market (5.3% per year).
High Growth Revenue: ALFA's revenue (0.2% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: ALFA's Return on Equity is forecast to be low in 3 years time (13.8%).
How has Alfa Financial Software Holdings performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: ALFA has high quality earnings.
Growing Profit Margin: ALFA's current net profit margins (25.8%) are higher than last year (15.8%).
Past Earnings Growth Analysis
Earnings Trend: ALFA's earnings have grown by 2.2% per year over the past 5 years.
Accelerating Growth: ALFA's earnings growth over the past year (99.6%) exceeds its 5-year average (2.2% per year).
Earnings vs Industry: ALFA earnings growth over the past year (99.6%) exceeded the Software industry -7.3%.
Return on Equity
High ROE: ALFA's Return on Equity (33.8%) is considered high.
How is Alfa Financial Software Holdings's financial position?
Financial Position Analysis
Short Term Liabilities: ALFA's short term assets (£50.7M) exceed its short term liabilities (£18.1M).
Long Term Liabilities: ALFA's short term assets (£50.7M) exceed its long term liabilities (£17.2M).
Debt to Equity History and Analysis
Debt Level: ALFA is debt free.
Reducing Debt: ALFA has not had any debt for past 5 years.
Debt Coverage: ALFA has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: ALFA has no debt, therefore coverage of interest payments is not a concern.
What is Alfa Financial Software Holdings's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: ALFA's dividend (0.7%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.32%).
High Dividend: ALFA's dividend (0.7%) is low compared to the top 25% of dividend payers in the UK market (4.04%).
Stability and Growth of Payments
Stable Dividend: ALFA is not paying a notable dividend for the UK market, therefore no need to check if payments are stable.
Growing Dividend: ALFA is not paying a notable dividend for the UK market, therefore no need to check if payments are increasing.
Current Payout to Shareholders
Dividend Coverage: ALFA is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of ALFA's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Andrew Denton (49 yo)
Mr. Andrew Denton has been the Chief Executive Officer of Alfa Financial Software Holdings PLC and CHP Consulting Limited since September 2016. He serves as Executive Director at Alfa Financial Software Ho...
CEO Compensation Analysis
Compensation vs Market: Insufficient data to establish whether Andrew's total compensation is reasonable compared to companies of similar size in the UK market.
Compensation vs Earnings: Andrew's compensation has been consistent with company performance over the past year.
Experienced Management: ALFA's management team is seasoned and experienced (5.5 years average tenure).
Experienced Board: ALFA's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Alfa Financial Software Holdings PLC's company bio, employee growth, exchange listings and data sources
- Name: Alfa Financial Software Holdings PLC
- Ticker: ALFA
- Exchange: LSE
- Founded: 1990
- Industry: Application Software
- Sector: Software
- Market Cap: UK£426.000m
- Shares outstanding: 300.00m
- Website: https://www.alfasystems.com
Number of Employees
- Alfa Financial Software Holdings PLC
- Moor Place
- 1 Fore Street Avenue
- Greater London
- EC2Y 9DT
- United Kingdom
Alfa Financial Software Holdings PLC, through its subsidiaries, provides software solutions and consultancy services to the asset finance industry in the United Kingdom, the United States, rest of Europe, ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/22 22:23|
|End of Day Share Price||2021/07/22 00:00|
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 here.