Alfa Financial Software plc (GB:ALFA)
LSE:ALFA
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ALFA Stock Chart & Stats
209.00 p
0.50 p(0.24%)
At close: 4:00 PM EST
209.00 p
0.50 p(0.24%)
Day’s Range― - ―
52-Week Range140.40 p - 252.00 p
Previous CloseN/A
Volume6.32K
Average Volume (3M)314.57K
Market Cap
£446.49M
Enterprise Value446.04M
Total Cash (Recent Filing)£26.40M
Total Debt (Recent Filing)£9.30M
Price to Earnings (P/E)15.1
Beta0.42
Next Earnings
Aug 27, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.58%
Share Statistics
EPS (TTM)0.10
Shares Outstanding297,803,700
10 Day Avg. Volume395,293
30 Day Avg. Volume314,571
Financial Highlights & Ratios
PEG Ratio1.39
Price to Book (P/B)12.13
Price to Sales (P/S)4.95
P/FCF Ratio16.72
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£260.00Price Target Upside24.40% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.1
Revenue Forecast (FY)£134.58M
Bulls Say, Bears Say
Bulls Say
Cash GenerationThe sharp step-up in 2025 operating and free cash flow demonstrates durable cash conversion from operations. Strong, recurring cash generation supports reinvestment in the platform, funding for implementation capacity, predictable support revenue, and capacity for dividends or M&A without relying on external financing.
Conservative Leverage And Capital EfficiencyMaterial decline in leverage and very high ROE indicate strong capital efficiency and financial flexibility. Low net debt reduces solvency risk and allows management to pursue growth or return capital while preserving balance-sheet optionality during economic cycles, a durable advantage for a software company.
High And Sustained MarginsConsistently robust gross and net margins reflect a scalable software business model with recurring licensing and services. High margin structure supports long-term profitability, funds continued product development and services delivery, and cushions the business against periodic revenue growth slowdowns.
Bears Say
Slowing Revenue GrowthDeceleration from prior mid-to-low double digit growth to ~5.5% in 2025 is a durable concern: slower top-line expansion reduces operating leverage benefits, limits market-share gains, and raises the bar for maintaining margins and return profiles unless new product adoption or geographic expansion offsets the trend.
Free Cash Flow VolatilityInter-year swings in free cash flow complicate capital allocation and make forecasting less reliable. Even with strong aggregate cash generation, volatility can constrain consistent dividend growth, reduce headroom for opportunistic M&A, and force more conservative buffer policies from management over the medium term.
Balance-sheet Expansion Requires DisciplineRising total assets without dramatic equity growth signals the need for active balance-sheet management. If asset growth reflects higher receivables or investment in projects, it could strain liquidity or raise funding needs; sustained discipline is required to avoid eroding returns or increasing leverage over time.
Alfa Financial Software plc News
ALFA FAQ
What was Alfa Financial Software plc’s price range in the past 12 months?
Alfa Financial Software plc lowest share price was 140.40 p and its highest was 252.00 p in the past 12 months.
What is Alfa Financial Software plc’s market cap?
Alfa Financial Software plc’s market cap is £446.49M.
When is Alfa Financial Software plc’s upcoming earnings report date?
Alfa Financial Software plc’s upcoming earnings report date is Aug 27, 2026 which is in 67 days.
How were Alfa Financial Software plc’s earnings last quarter?
Alfa Financial Software plc released its earnings results on Mar 12, 2026. The company reported 0.048 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.048 p.
Is Alfa Financial Software plc overvalued?
According to Wall Street analysts Alfa Financial Software plc’s price is currently Undervalued.
Does Alfa Financial Software plc pay dividends?
Alfa Financial Software plc pays a Notavailable dividend of 1.5 p which represents an annual dividend yield of 3.58%. See more information on Alfa Financial Software plc dividends here
What is Alfa Financial Software plc’s EPS estimate?
Alfa Financial Software plc’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Alfa Financial Software plc have?
Alfa Financial Software plc has 297,803,700 shares outstanding.
What happened to Alfa Financial Software plc’s price movement after its last earnings report?
Alfa Financial Software plc reported an EPS of 0.048 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -10.042%.
Which hedge fund is a major shareholder of Alfa Financial Software plc?
Currently, no hedge funds are holding shares in GB:ALFA
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Alfa Financial Software plc Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
£260.00 (24.40% Upside)
£260.00 (24.40% Upside)
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
16.84%
12-Months-Change
Fundamentals
Return on Equity
58.56%
Trailing 12-Months
Asset Growth
7.08%
Trailing 12-Months
Company Description
Alfa Financial Software plc
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.
ALFA Stock 12 Month Forecast
Average Price Target
260.00 p
▲(24.40% Upside)
Technical Analysis
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Options Prices
Currently, No data available
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