Alfa Financial Software Holdings PLC

LSE:ALFA Stock Report

Market Cap: UK£454.8m

Alfa Financial Software Holdings Future Growth

Future criteria checks 2/6

Alfa Financial Software Holdings is forecast to grow earnings and revenue by 2.2% and 6.1% per annum respectively. EPS is expected to grow by 1.9% per annum. Return on equity is forecast to be 29.7% in 3 years.

Key information

2.2%

Earnings growth rate

1.90%

EPS growth rate

Software earnings growth18.5%
Revenue growth rate6.1%
Future return on equity29.70%
Analyst coverage

Good

Last updated30 Apr 2026

Recent future growth updates

Recent updates

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...
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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...
Analysis Article • Sep 21

Shareholders Are Optimistic That Alfa Financial Software Holdings (LON:ALFA) Will Multiply In Value

If you're not sure where to start when looking for the next multi-bagger, there are a few key trends you should keep an...

Earnings and Revenue Growth Forecasts

LSE:ALFA - Analysts future estimates and past financials data (GBP Millions)
DateRevenueEarningsFree Cash FlowCash from OpAvg. No. Analysts
12/31/20281553232386
12/31/20271453030356
12/31/20261352825326
12/31/2025127303237N/A
9/30/2025123302935N/A
6/30/2025120302732N/A
3/31/2025115282530N/A
12/31/2024110262328N/A
9/30/2024106242126N/A
6/30/2024101221924N/A
3/31/2024102232428N/A
12/31/2023102242932N/A
9/30/2023102253134N/A
6/30/2023102263336N/A
3/31/202398252932N/A
12/31/202293252527N/A
9/30/202290232325N/A
6/30/202286222123N/A
3/31/202285212325N/A
12/31/202183192527N/A
9/30/202183202829N/A
6/30/202182213132N/A
3/31/202180212829N/A
12/31/202079202526N/A
9/30/202075172122N/A
6/30/202072141718N/A
3/31/202068121618N/A
12/31/201964101618N/A
9/30/20196713N/A18N/A
6/30/20196915N/A19N/A
3/31/20197017N/A17N/A
12/31/20187118N/A15N/A
9/30/20187320N/A16N/A
6/30/20187622N/A17N/A
3/31/20188224N/A18N/A
12/31/20178826N/A19N/A
9/30/20178918N/A19N/A
6/30/20179011N/A19N/A
3/31/2017819N/A25N/A
12/31/2016738N/A32N/A
12/31/20155415N/A17N/A

Analyst Future Growth Forecasts

Earnings vs Savings Rate: ALFA's forecast earnings growth (2.2% per year) is below the savings rate (3.4%).

Earnings vs Market: ALFA's earnings (2.2% per year) are forecast to grow slower than the UK market (11.5% per year).

High Growth Earnings: ALFA's earnings are forecast to grow, but not significantly.

Revenue vs Market: ALFA's revenue (6.1% per year) is forecast to grow faster than the UK market (4.5% per year).

High Growth Revenue: ALFA's revenue (6.1% 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 high in 3 years time (29.7%)

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/09 12:21
End of Day Share Price 2026/06/09 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

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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.

AnalystInstitution
James GoodmanBarclays
Sven MerktBarclays
Robert ChantryBerenberg