Explore 3 Stock Ideas & Industry Insights Download Free Report

888-969-2592
Shopping Cart 0
countryflagCA
Login

Home CompaniesAlfa Financial Software Holdings PLC

Alfa Financial Software Holdings PLC

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
173.0 GBX -0.60 ( 0.35%)
Last update at 2026-10-27T16:35:00Z
VOLUME
1122632
Market Cap
441.20M
P/E
14.90

Momentum Score

…

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 was founded in 1990 and is based in London, the United Kingdom. Alfa Financial Software Holdings PLC is a subsidiary of CHP Software and Consulting Limited.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
171.92
Low
176.40
High
52 Week Price Range
140.40
Low
246.73
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Alfa Financial Software provides cloud-based core systems for asset finance and leasing providers. Long-term growth may be supported by lenders' digitalisation and wider SaaS adoption, while recurring license and services contracts with long lifecycles could provide revenue visibility.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
173.60
Dividend Yield
0.97%
Revenue TTM
126.70M
Revenue Per Share
0.43
Gross Profit TTM
80.70M
Debt / Equity
0.18
ROE
61.49%
Net Debt
-17.10M
ROCE
62.64%
Diluted EPS TTM
0.10

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 40.10M 34.10M 29.60M 28.90M 23.80M
Net income 30.10M 25.60M 23.50M 24.50M 19.20M
Selling general administrative 41.00M 36.60M 34.30M 31.00M 30.00M
Selling and marketing expenses - 0.50M 5.30M - 30.00M
Gross profit 77.40M 70.90M 63.70M 59.90M 54.20M
Reconciled depreciation 3.30M 2.70M 2.50M 3.00M 3.10M
Ebit 38.90M 34.80M 30.40M 29.60M 24.70M
Ebitda 42.20M 37.50M 32.90M 32.50M 27.70M
Depreciation and amortization 3.30M 2.70M 2.50M 2.90M 3.00M
Operating income 38.90M 34.30M 30.10M 29.60M 24.70M
Other operating expenses 87.80M 75.60M 71.90M 63.70M 58.50M
Interest expense 0.70M 0.70M 0.50M 0.60M 0.80M
Tax provision 10.00M 8.50M 6.10M 4.40M 4.60M
Interest income 0.70M 0.50M 0.30M 0.00M 0.00M
Net interest income 0.00M -0.20M -0.20M -0.60M -0.80M
Income tax expense 10.00M 8.50M 6.10M 4.40M 4.60M
Total revenue 126.70M 109.90M 102.00M 93.30M 83.20M
Total operating expenses 38.50M 36.60M 33.60M 30.30M 29.50M
Cost of revenue 49.30M 39.00M 38.30M 33.40M 29.00M
Total other income expense net 1.20M -0.20M -0.50M -0.70M -0.90M
Net income from continuing ops 30.10M 25.60M 23.50M 24.50M 19.20M
Net income applicable to common shares - - - 24.50M 19.20M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 90.70M 84.70M 75.10M 76.50M 84.00M
Intangible assets 12.50M 9.30M 5.00M 2.90M 2.40M
Other current assets 4.40M 7.00M 3.80M 1.70M 16.50M
Total liab 39.00M 38.50M 33.10M 34.50M 40.60M
Total stockholder equity 51.70M 46.20M 42.00M 42.00M 43.40M
Other current liab 13.50M 26.40M 23.70M 23.50M 21.30M
Common stock 0.30M 0.30M 0.30M 0.30M 0.30M
Capital stock 0.30M 0.30M 0.30M 0.30M 0.30M
Retained earnings 58.00M 53.70M 50.20M 48.80M 46.50M
Other liab - - - 0.90M 1.40M
Good will 24.70M 24.70M 24.70M 24.70M 24.70M
Other assets - - 0.00M 1.60M 1.80M
Cash 26.40M 20.50M 21.80M 18.70M 23.10M
Total current liabilities 28.60M 27.50M 25.60M 25.60M 24.00M
Current deferred revenue 13.90M - 14.20M - -
Net debt -17.10M -11.20M -13.60M -9.40M -6.00M
Short term debt 1.20M 0.10M 1.40M 1.30M 1.90M
Short long term debt total 9.30M 9.30M 8.20M 9.30M 17.10M
Other stockholder equity -6.50M -7.90M -8.70M -7.10M -3.40M
Property plant equipment - - - 8.10M 15.20M
Total current assets 45.70M 41.80M 38.00M 39.00M 39.60M
Net tangible assets - - - 14.40M 16.30M
Net receivables 14.90M 13.60M 12.40M 8.90M 13.30M
Inventory - 0.70M - - -
Accounts payable 0.80M 1.00M 0.50M 0.80M 0.80M
Accumulated other comprehensive income -0.10M 0.10M 0.20M - -
Non currrent assets other - 0.50M 5.00M 0.20M 0.30M
Non current assets total 45.00M 42.90M 37.10M 37.50M 44.40M
Capital lease obligations 9.30M 9.30M 8.20M 9.30M 17.10M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -5.40M -3.10M -2.30M -1.30M
Change to liabilities - - - 4.00M 4.80M
Total cashflows from investing activities -5.40M -5.40M -3.10M -2.30M -1.30M
Net borrowings - - - -1.60M -1.90M
Total cash from financing activities -26.40M -24.10M -25.80M -29.70M -39.20M
Net income 30.10M 25.60M 23.50M 28.90M 23.80M
Change in cash 5.90M -1.30M 3.10M -4.40M -13.90M
Begin period cash flow 20.50M 21.80M 18.70M 23.10M 37.00M
End period cash flow 26.40M 20.50M 21.80M 18.70M 23.10M
Total cash from operating activities 37.90M 28.40M 32.20M 27.20M 26.70M
Issuance of capital stock 0.60M - - - -
Depreciation 3.30M 2.70M 2.50M 3.00M 3.10M
Other cashflows from investing activities - -5.10M -2.50M - -
Dividends paid 26.00M 22.10M 19.70M 22.50M 32.70M
Change to account receivables -0.10M -4.20M 5.80M -3.60M -2.80M
Sale purchase of stock -0.90M -0.70M -4.80M -5.60M -4.60M
Other cashflows from financing activities -0.10M -1.30M -1.30M -1.60M -1.90M
Change to netincome - - - -0.70M 2.40M
Capital expenditures 0.40M 5.60M 3.40M 2.30M 1.30M
Change in working capital -0.10M -4.20M 5.50M 0.40M 2.00M
Stock based compensation 1.60M 1.40M 1.60M 1.80M 1.50M
Other non cash items 4.60M 2.90M -0.90M -6.90M 0.80M
Free cash flow 37.50M 22.80M 28.80M 24.90M 25.40M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
ALFA
Alfa Financial Software Holdings PLC		 -0.60
0.35%		 173.00 14.90 15.48 3.48 8.41 3.30 9.47
SGE
Sage Group PLC		 -6.50
0.56%		 1151.00 22.59 17.09 3.06 10.94 3.61 14.41
KNOS
Kainos Group PLC		 -21.00
1.57%		 1320.00 30.02 15.80 2.31 8.50 2.08 16.23
TRST
Trustpilot Group PLC		 -5.00
1.97%		 248.20 211.40 38.02 3.13 38.78 3.96 36.55
GBG
GB Group plc		 0.20
0.12%		 161.00 52.80 9.64 1.75 0.84 1.94 9.77

Profile*

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 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 was founded in 1990 and is based in London, the United Kingdom. Alfa Financial Software Holdings PLC is a subsidiary of CHP Software and Consulting Limited.

Moor Place, London, United Kingdom, EC2Y 9DT

44 20 7588 1800

https://www.alfasystems.com

527

Name Title Year Born
Mr. Andrew Denton CEO & Director 1972
Mr. Duncan J. Magrath CFO & Director 1965
Mr. Matthew P. White COO & Exec. Director NA
Mr. Andrew Flegg Chief Technology Officer NA
Ms. Vicky Edwards Chief People Officer NA
Mr. Richard Raistrick Chief International Officer NA
Mr. James Paul Chief Delivery Officer NA
Mr. Richard Dewire Chief Revenue Officer NA
Turner Parlin Head of Sales - Americas NA
Steve O'Hara Head of Sales for Asia-Pacific NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

Kalkine

3 Mining Stock
Ideas Report

Download a free report with stock ideas and industry insights for general information.

Download Free Report Now → sector image

Top Stocks by Market Cap*

PRL
CAD 30.50
+15.05%
DSV
CAD 11.02
+14.55%
USA
CAD 4.29
+13.19%
NUAG
CAD 7.70
+12.90%
GMIN
CAD 43.79
+12.86%
DRUG
CAD 26.11
-29.58%
HUT
CAD 68.98
-22.41%
UCU
CAD 2.09
-14.34%
VET
CAD 14.87
-14.29%
PHX
CAD 10.96
-13.56%

Equity Sectors*

  • Basic Materials

    +5.46%

  • Communication Services

    +3.38%

  • Consumer Cyclical

    +3.11%

  • Consumer Defensive

    +1.35%

  • Energy

    -4.79%

  • Financial Services

    +2.66%

  • Healthcare

    -0.72%

  • Industrials

    -0.11%

  • Real Estate

    +1.84%

  • Technology

    +1.05%

  • Utilities

    +0.39%

Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.

Support

Hi! How can we help you today?

Loading…