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Alfa Financial Software Holdings /£ALFA

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About Alfa Financial Software Holdings

Alfa Financial Software, designated with the ticker ALFA, operates as a United Kingdom-based company, focusing on delivering specialized software systems and services predominantly for the asset and automotive finance industry. Founded in 1990, the company has expanded its influence globally, offering a comprehensive suite of solutions designed to streamline the operations of financial institutions. Alfa Financial Software is known for its product Alfa Systems, which integrates various aspects of finance from contract management to operations.
Ticker
£ALFA
Sector
Software & Cloud Services
Primary listing
LSE
Employees
502
Headquarters
London, United Kingdom
Website
www.alfasystems.com

ALFA Metrics

BasicAdvanced
£484M
17.45
£0.09
0.34
£0.05
2.82%

What the Analysts think about ALFA

Analyst ratings (Buy, Hold, Sell) for Alfa Financial Software Holdings stock.
Analyst projections of the future price of Alfa Financial Software Holdings stock.

Bulls say / Bears say

Recurring revenue is gaining weight: first-half subscription revenue rose 14%, ARR increased 17% to £48.5m and net revenue retention remained 110%. That mix should make future revenue more visible as customers reach full subscription run rates. (Investegate)
Two first-half customer wins lifted total contract value 17% to £247m, while Alfa was preferred supplier for eight of nine late-stage prospects. If these opportunities convert, they offer a platform for further growth beyond current implementations. (Investegate)
Berenberg sees the shares as undervalued after the UK software-sector sell-off, arguing that subscription growth and ongoing implementations provide visibility and forecasting margin recovery to 30% by 2028. Its view supports a potential valuation re-rating if execution follows through. (Investing.com)
Headline growth was modest: first-half revenue rose 4%, while operating profit and earnings per share each fell 15%; gross margin also dropped four percentage points. The underlying profit decline could remain a concern even after allowing for severance costs and currency hedges. (Investegate)
Customer projects have taken longer to reach contract, delaying delivery work and leading Alfa to reduce its delivery-revenue expectations for the year. One late-stage prospect was lost, and management said delays are more frequent than historically, leaving conversion timing uncertain. (Investegate)
Cash conversion was 76% in the first half, below the company’s 80–90% full-year outlook, and cash fell to £22.2m from £26.4m at year-end. Management attributed much of the conversion dip to receipt timing, but a recovery is still needed to meet guidance. (Investegate)
Data summarised monthly by Lightyear AI. Last updated on 27 Oct 2026.

ALFA Financial Performance

Revenues and expenses
Income statement
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
Net income
Profit margin

ALFA Earnings Performance

Company profitability
Earnings per share
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
Expected
Surprise

Funds containing ALFA

AllGBPUSD
Funds
Fund name
Fund size
£ALFA weighting
iShares FTSE 250£MIDD
£672M0.07%
Vanguard FTSE 250£VMIG
£569M0.07%
Vanguard FTSE 250£VMID
£1.5B0.07%
Xtrackers MSCI Europe Small Cap£XXSC
$3.6B0.02%
Xtrackers MSCI Europe Small Cap€DX2J
$3.6B0.02%
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by London Stock Exchange, through Infront.