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Alfa Financial Software Holdings PLC (ALFA.L)
London, GB
Alfa Financial Software Holdings PLC, through its various subsidiaries, is a global provider of specialized software platforms and professional advisory services tailored for the asset finance industry. Operating across the United Kingdom, United States, broader Europe, and other international territories, the company structures its business into distinct Services, Software, and Subscription segments. Its flagship offering, Alfa Systems, is a comprehensive software platform that supports the complete lifecycle of retail and corporate asset finance, encompassing processes from initial point-of-sale and origination through contract administration and asset remarketing. Complementing this, the Alfa Digital platform alongside its suite of applications provides an omnichannel digital experience, facilitating features such as self-service portals, seamless customer onboarding, mobile functionality, and point-of-sale operations accessible across a range of devices. The company further extends its services to include cloud hosting. Primarily, Alfa Financial Software Holdings PLC serves the equipment and automotive finance sectors. Established in London, UK, in 1990, it operates as a subsidiary of CHP Software and Consulting Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.25% | -0.13% | +6.00% | -17.62% | -30.11% | -25.00% | -33.47% | -0.93% | +27.20% | -63.00% | -63.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 6 | -1 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Software - Application: +13.0%+15.3% ★ Q4'25: +30.8% (vs Q4'23)
-
EPS growth Software - Application: +28.6%+16.8% Q4'25: +39.4% (vs Q4'23)
-
FCF margin FCF growth · Software - Application: +45.3%+24.5% Q4'25: +31.0% (vs Q4'23)
-
EBIT margin Software - Application: +9.4%+30.7% ★ Q4'25: +29.1% (vs Q4'23)
-
ROIC Software - Application: +7.5%+84.4% ★ Q4'25: +165.0% (vs Q4'23)
-
Share dilution Software - Application: +0.0%-0.6% ★ Q4'25: 0.0% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×0.22× Q4'25: 0.11× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 6 Rev. Ana. 5 EPS Ana. |
Dec 2027 6 Rev. Ana. 5 EPS Ana. |
Dec 2028 2 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
87.78M
est: 87.90M (-0.1%)
|
71.04M
est: 71.71M (-0.9%)
|
64.48M
est: 63.30M (+1.9%)
|
78.87M
est: 73.00M (+8.0%)
|
83.20M
est: 80.65M (+3.2%)
|
93.30M
est: 91.95M (+1.5%)
|
102.00M
est: 101.40M (+0.6%)
|
109.90M
est: 110.00M (-0.1%)
|
126.70M
est: 126.50M (+0.2%)
|
134.58M
133.75M – 135.05M
+6.4% YoY
|
144.94M
141.92M – 149.34M
+7.7% YoY
|
155.29M
153.16M – 158.00M
+7.1% YoY
|
| EBITDA |
38.72M
est: 29.70M (+30.4%)
|
23.33M
est: 27.97M (-16.6%)
|
16.67M
est: 20.68M (-19.4%)
|
27.15M
est: 14.98M (+81.2%)
|
27.70M
est: 15.27M (+81.4%)
|
32.50M
est: 15.97M (+103.5%)
|
32.90M
est: 34.03M (-3.3%)
|
37.50M
est: 36.92M (+1.6%)
|
42.20M
est: 42.46M (-0.6%)
|
45.17M
44.89M – 45.33M
+6.4% YoY
|
48.64M
47.63M – 50.12M
+7.7% YoY
|
52.12M
51.40M – 53.03M
+7.1% YoY
|
| EBIT |
34.93M
est: 26.92M (+29.7%)
|
22.38M
est: 27.51M (-18.6%)
|
13.71M
est: 19.77M (-30.7%)
|
24.06M
est: 13.60M (+76.9%)
|
24.60M
est: 13.86M (+77.5%)
|
29.50M
est: 14.50M (+103.5%)
|
30.40M
est: 31.10M (-2.3%)
|
34.80M
est: 33.74M (+3.1%)
|
38.90M
est: 38.80M (+0.3%)
|
41.28M
41.02M – 41.42M
+6.4% YoY
|
44.45M
43.53M – 45.80M
+7.7% YoY
|
47.63M
46.98M – 48.46M
+7.1% YoY
|
| Net Income |
25.87M
est: 26.88M (-3.8%)
|
18.15M
est: 21.04M (-13.7%)
|
10.18M
est: 16.03M (-36.5%)
|
20.30M
est: 10.10M (+101.0%)
|
19.20M
est: 10.29M (+86.6%)
|
24.50M
est: 26.20M (-6.5%)
|
23.50M
est: 22.10M (+6.3%)
|
25.60M
est: 25.80M (-0.8%)
|
30.10M
est: 28.23M (+6.6%)
|
28.75M
27.28M – 30.27M
+1.9% YoY
|
30.68M
29.06M – 33.24M
+6.7% YoY
|
33.19M
32.60M – 33.94M
+8.2% YoY
|
| SGA |
5.43M
est: 27.41M (-80.2%)
|
2.95M
est: 15.51M (-81.0%)
|
18.79M
est: 11.89M (+58.1%)
|
18.67M
est: 17.91M (+4.2%)
|
30.00M
est: 18.25M (+64.4%)
|
26.90M
est: 19.09M (+40.9%)
|
34.30M
est: 32.54M (+5.4%)
|
37.10M
est: 35.30M (+5.1%)
|
35.70M
est: 40.59M (-12.1%)
|
43.19M
42.92M – 43.34M
+6.4% YoY
|
46.51M
45.54M – 47.92M
+7.7% YoY
|
49.83M
49.15M – 50.70M
+7.1% YoY
|
| EPS |
0.09
est: 0.09 (+1.7%)
|
0.06
est: 0.05 (+40.3%)
|
0.04
est: 0.02 (+46.7%)
|
0.07
est: 0.04 (+57.2%)
|
0.06
est: 0.06 (+16.6%)
|
0.08
est: 0.08 (+7.4%)
|
0.08
est: 0.08 (+6.3%)
|
0.09
est: 0.09 (+0.2%)
|
0.10
est: 0.10 (+0.4%)
|
0.10
0.09 – 0.10
-4.0% YoY
|
0.10
0.10 – 0.11
+8.1% YoY
|
0.11
0.11 – 0.11
+8.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-26 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-19 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-18 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-15 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 3/5 | 1/5 |
| 2026-05-01 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-24 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-17 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 1/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L | 0.36% | 39.5K | 0.29% |
| 2 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.20% | 183.0K | 0.38% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.20% | 183.0K | 0.38% |
| 4 | Invesco FTSE 250 UCITS ETF S250.L | 0.07% | 23.9K | 0.12% |
| 5 | iShares FTSE 250 UCITS ETF MIDD.L | 0.07% | 564.4K | 0.40% |
| 6 | Vanguard FTSE 250 UCITS ETF VMIG.MI | 0.07% | 1.75M | 0.10% |
| 7 | Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE | 0.07% | 1.75M | 0.10% |
| 8 | Xtrackers FTSE 250 UCITS ETF 1D XMCX.L | 0.06% | 24.5K | 0.15% |
| 9 | HSBC FTSE 250 UCITS ETF HMCX.L | 0.06% | 42.9K | 0.09% |
| 10 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.06% | 263.8K | 0.48% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Duncan Jonathan Magrath | Chief Financial Officer & Executive Director | 619.0K | male |
| Matthew White | Chief Operating Officer & Executive Director | 496.0K | male |
| Andrew Denton | Chief Executive Officer & Executive Director | 32.0K | male |
| Andrew Neville Page | Founder & Executive Chairman of the Board | 30.0K | male |
| James Paul | Chief Delivery Officer | — | male |
| Andrew Flegg | Chief Technology Officer | — | male |
| Richard Dewire | Chief Revenue Officer | — | male |
| Steve O'Hara | Head of Business Development, Asia Pacific | — | male |
| Turner Parlin | Head of Sales - Americas | — | — |
| Vicky Edwards | Chief People Officer | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for ALFA.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
