ALFA - Ticker AI Digest

Alfa Financial Software Holdings PLC 📰 1
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ALFA Data 2026-01-29 Preview Mode
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Today's Catalysts (ALFA) 1
ALFA 06:01
Alfa Financial Software Holdings PLC
Q4 25 Trading update
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Alfa Financial Software Holdings PLC released a Q4 2025 trading update on January 29, 2026, highlighting strong financial and operational performance. Key points include
1. **Financial Performance**
FY 2025 revenue reached £126.5 million, exceeding market expectations by £2 million and growing 15% year-on-year (17% on a constant currency basis).
Operating profit grew 17% to £40.0 million, £3 million ahead of expectations.
Q4 2025 revenue increased 11% to £32.5 million, driven by strong subscription (up 15%) and delivery revenues (up 16%).
2. **Pipeline and TCV**
Late-stage pipeline expanded to ten prospects (up from eight in Q3), with eight achieving preferred supplier status.
Total Contract Value (TCV) rose 3% to £227 million, with subscription TCV up 18% year-on-year.
3. **Operational Highlights**
Completed nine deliveries in Q4, including a successful Alfa Systems 6 go-live for an Australian customer expanding into New Zealand.
Twenty customers are now live on Alfa Systems 6, with upgrades progressing effectively.
4. **Market Expansion**
Progress in developing Originations, Fleet, and Commercial Finance capabilities, expanding both Serviceable and Total Addressable Markets.
Active discussions with customers for new modules, driving future investment and growth.
5. **Outlook**
CEO Andrew Denton expressed confidence in continued growth in 2026, supported by a robust pipeline and TCV, despite currency headwinds.
Focus on further product investment to drive long-term revenue growth.
Alfa remains well-positioned in the asset finance industry, with strong customer satisfaction and global presence. Full audited results for FY 2025 will be announced on March 12, 2026.
Below is the HTML table code comparing the financials and debt year-on-year based on the provided text. Since the text does not explicitly mention debt, the table focuses on revenue, operating profit, and TCV (Total Contract Value) for FY2025 compared to FY2024.
MetricFY 2025FY 2024Change
Revenue£126.5m£110.0m+15% (17% at constant currency)
Operating Profit£40.0m£34.2m+17%
Total Contract Value (TCV)£227m£220m+3%
### Notes: 1. **Revenue**: FY2025 revenue is £126.5m, up 15% (17% at constant currency) from FY2024. 2. **Operating Profit**: FY2025 operating profit is £40.0m, a 17% increase from FY2024. 3. **TCV**: FY2025 TCV is £227m, a 3% increase from FY2024. 4. **Debt**: The provided text does not include information on debt, so it is not included in the table. This table provides a clear year-on-year comparison of key financial metrics for Alfa Financial Software Holdings PLC.
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Updates 1
ALFA 06:01
Alfa Financial Software Holdings PLC
Q4 25 Trading update
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Alfa Financial Software Holdings PLC released a Q4 2025 trading update on January 29, 2026, highlighting strong financial and operational performance. Key points include
1. **Financial Performance**
FY 2025 revenue reached £126.5 million, exceeding market expectations by £2 million and growing 15% year-on-year (17% on a constant currency basis).
Operating profit grew 17% to £40.0 million, £3 million ahead of expectations.
Q4 2025 revenue increased 11% to £32.5 million, driven by strong subscription (up 15%) and delivery revenues (up 16%).
2. **Pipeline and TCV**
Late-stage pipeline expanded to ten prospects (up from eight in Q3), with eight achieving preferred supplier status.
Total Contract Value (TCV) rose 3% to £227 million, with subscription TCV up 18% year-on-year.
3. **Operational Highlights**
Completed nine deliveries in Q4, including a successful Alfa Systems 6 go-live for an Australian customer expanding into New Zealand.
Twenty customers are now live on Alfa Systems 6, with upgrades progressing effectively.
4. **Market Expansion**
Progress in developing Originations, Fleet, and Commercial Finance capabilities, expanding both Serviceable and Total Addressable Markets.
Active discussions with customers for new modules, driving future investment and growth.
5. **Outlook**
CEO Andrew Denton expressed confidence in continued growth in 2026, supported by a robust pipeline and TCV, despite currency headwinds.
Focus on further product investment to drive long-term revenue growth.
Alfa remains well-positioned in the asset finance industry, with strong customer satisfaction and global presence. Full audited results for FY 2025 will be announced on March 12, 2026.
Below is the HTML table code comparing the financials and debt year-on-year based on the provided text. Since the text does not explicitly mention debt, the table focuses on revenue, operating profit, and TCV (Total Contract Value) for FY2025 compared to FY2024.
MetricFY 2025FY 2024Change
Revenue£126.5m£110.0m+15% (17% at constant currency)
Operating Profit£40.0m£34.2m+17%
Total Contract Value (TCV)£227m£220m+3%
### Notes: 1. **Revenue**: FY2025 revenue is £126.5m, up 15% (17% at constant currency) from FY2024. 2. **Operating Profit**: FY2025 operating profit is £40.0m, a 17% increase from FY2024. 3. **TCV**: FY2025 TCV is £227m, a 3% increase from FY2024. 4. **Debt**: The provided text does not include information on debt, so it is not included in the table. This table provides a clear year-on-year comparison of key financial metrics for Alfa Financial Software Holdings PLC.
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All Market News (Last 30 Days) 2
ALFA 06:01
Alfa Financial Software Holdings PLC
Q4 25 Trading update
AI Expand: Explanation + Tables
Return to today’s catalyst cards, chart beacons and AI charts.
**Summary**
Alfa Financial Software Holdings PLC released a Q4 2025 trading update on January 29, 2026, highlighting strong financial and operational performance. Key points include
1. **Financial Performance**
FY 2025 revenue reached £126.5 million, exceeding market expectations by £2 million and growing 15% year-on-year (17% on a constant currency basis).
Operating profit grew 17% to £40.0 million, £3 million ahead of expectations.
Q4 2025 revenue increased 11% to £32.5 million, driven by strong subscription (up 15%) and delivery revenues (up 16%).
2. **Pipeline and TCV**
Late-stage pipeline expanded to ten prospects (up from eight in Q3), with eight achieving preferred supplier status.
Total Contract Value (TCV) rose 3% to £227 million, with subscription TCV up 18% year-on-year.
3. **Operational Highlights**
Completed nine deliveries in Q4, including a successful Alfa Systems 6 go-live for an Australian customer expanding into New Zealand.
Twenty customers are now live on Alfa Systems 6, with upgrades progressing effectively.
4. **Market Expansion**
Progress in developing Originations, Fleet, and Commercial Finance capabilities, expanding both Serviceable and Total Addressable Markets.
Active discussions with customers for new modules, driving future investment and growth.
5. **Outlook**
CEO Andrew Denton expressed confidence in continued growth in 2026, supported by a robust pipeline and TCV, despite currency headwinds.
Focus on further product investment to drive long-term revenue growth.
Alfa remains well-positioned in the asset finance industry, with strong customer satisfaction and global presence. Full audited results for FY 2025 will be announced on March 12, 2026.
Below is the HTML table code comparing the financials and debt year-on-year based on the provided text. Since the text does not explicitly mention debt, the table focuses on revenue, operating profit, and TCV (Total Contract Value) for FY2025 compared to FY2024.
MetricFY 2025FY 2024Change
Revenue£126.5m£110.0m+15% (17% at constant currency)
Operating Profit£40.0m£34.2m+17%
Total Contract Value (TCV)£227m£220m+3%
### Notes: 1. **Revenue**: FY2025 revenue is £126.5m, up 15% (17% at constant currency) from FY2024. 2. **Operating Profit**: FY2025 operating profit is £40.0m, a 17% increase from FY2024. 3. **TCV**: FY2025 TCV is £227m, a 3% increase from FY2024. 4. **Debt**: The provided text does not include information on debt, so it is not included in the table. This table provides a clear year-on-year comparison of key financial metrics for Alfa Financial Software Holdings PLC.
ALFA 06:01
Alfa Financial Software Holdings PLC
Total Voting Rights

Today's AI

Today's AI Starts With News

1 live catalyst is opening Today’s AI for ALFA.

Start with the live headline tape first. Today’s AI findings sit next, and the AI Blend stack drops lower once the news context is framed. Financial Forecastist now feeds the blend too.
Live Tape Data 2026-01-29 Blend Lower Down
Read the alert tape first, then open Today’s AI findings. Use AI Expand on any card to open the AI explanation, results tables and financial forecast rows instantly.
1 Today
Front Of Desk
Alfa Financial Software Holdings PLC has fresh news flow live now, so Today’s AI is leading with the tape before the blended signal stack below.
Single-Ticker Today's AI
ALFA signal theatre built from scored market catalysts, automated AI forecasts, financial forecasting and live trigger logic.

This is the ticker-specific Today’s AI desk for Alfa Financial Software Holdings PLC. It compresses the live catalyst tape, bullish and bearish scoring, AI price forecasts, financial forecasting and trigger logic into one cockpit so users can judge conviction without hopping across screens.

Subscription Required Bullish vs Bearish Scoring AI + Financial Blend Buy / Sell Trigger Engine Today's AI Findings
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Subscription turns this tab into a live signal desk with today’s news findings at the top, AI plus financial blend comparisons at the bottom, buy and sell trigger logic, and the full findings ledger behind every scored row.

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  • Fast market scan built for event-driven trading, not passive dashboards.
Subscribe to unlock the ticker-specific Today’s AI stack, sentiment gauges, AI blend stage, and the full findings ledger for ALFA on 2026-01-29.

Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
463.7M
Enterprise Value
451.2M
Public Float
43.8
Broker Target
267.143
Shares Out
297.3M
Long Interest
89
Short Interest
11
Exchange
LSE
Currency Code
GBX
ISIN
GB00BDHXPG30
Market
LSE - MAIN MARKET
Sector
Software and Computer Services
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

1 live alert now opens the financials desk for ALFA.

Start with the headline flow and alert tape first. Then drop straight into Financial Forecastist below for the revenue path, EPS shape, cash pressure and balance-sheet read while the catalyst context is still hot.
Live Alerts Data 2026-01-29 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
1 Alerts
Front Of Desk
Alfa Financial Software Holdings PLC has fresh filing flow live now, so the tape is framing the revenue, leverage and valuation story below.
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
0.02
Ex Divi
2026-05-28
Earnings Date
2026-03-12
Net Debt
-17.1M
Cash
26.4M
EPS
0.1
Net Income
30.1M
Revenue
126.7M
Enterprise Value
451.2M
Trailing PE
15.6
Forward PE
17.094
Price Sales TTM
3.6601
Price Book MRQ
9.3147
EV Revenue
3.6659
EV EBITDA
10.5321
Financial Forecastist

Improving financial engine

Revenue is accelerating +30.8% against the prior comparable period. Net margin is expanding by 1.3 pts. Net debt is building +25.7%.

Revenue +30.8% Net Income +39.2% FCF +142.7% Current Ratio 1.60x Forward Rev 0
Improving
Quarter Revenue
64.2M
+30.8%
vs prior comparable quarter
Net Margin
+22.1%
+1.3 pts
profitability pulse
Free Cash Flow
19.9M
+142.7%
cash conversion
Net Debt / EBITDA
-0.8x
+25.7%
lower is cleaner
Revenue Engine

Latest quarter printed 64.2M with the top line pushing higher against the last comparable period.

Profit Stack

Net income landed at 14.2M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 26.4M while net debt is -17.1M. The leverage stack is moving the wrong way.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q3 2023
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q1 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2026
Consensus
134.6M
Revenue Path
0.10
EPS / Earnings
Growth cue -0.1%
FY 2027
Consensus
144.9M
Revenue Path
0.10
EPS / Earnings
Growth cue +0.1%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q4 2025 64.2M 14.2M 19.9M -17.1M
Q2 2025 62.5M 15.9M 17.3M -14.4M
Q4 2024 57.6M 13.7M 14.3M -11.2M
Q2 2024 52.3M 11.9M 13.8M -12.9M
Q4 2023 49.1M 10.2M 8.2M -13.6M
Q2 2023 52.9M 13.3M 20.9M -17.5M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2025 126.7M 30.1M 42.2M 37.5M
FY 2024 109.9M 25.6M 37.5M 22.8M
FY 2023 102.0M 23.5M 32.9M 28.8M
FY 2022 93.3M 24.5M 32.5M 24.9M
FY 2021 83.2M 19.2M 27.7M 25.4M

Structure DNA

Market Structure DNA has not been loaded for this ticker yet. Once the A15 loader runs, this desk will light up with regime labels, ownership lock, dividend cadence, and structure charts.

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
297264050
Public Hands
43.83
Institutions
-
Institutions As Of
-
Avg Broker Target
-
Upside Vs Price
-
Purchase Director Dealing
0
Sale Director Dealing
0
Purchase TR1
1
Sale TR1
0
Broker Coverage Rows
1
Institution Holders Tracked
0
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

The alert tape opens the door for ALFA, and AI Charts sits just below.

Start with the headline flow and live catalyst tape first. Then move straight into AI Charts below for price reaction, AI targets, chart structure and catalyst beacons while the news context is still hot.
Live Tape Data 2026-01-29 AI Charts Below
Read the alert tape first, then move into AI Charts below. Use AI Expand on any catalyst card to open the AI explanation and results tables instantly.
1 Today
Catalyst Pulse
Alfa Financial Software Holdings PLC has fresh news flow live now, so the tape is framing the chart workspace below.
AI Charts Studio
ALFA Price History
Live structure, automated forecasts, technical overlays and catalyst beacons in one chart workspace.
30 Day View Window 30D Data 2026-01-29 Open Preview Studio Brief
Chart Intelligence Suite
Swipe the timeframe, call the overlays, and keep the AI signal stack fused into one chart cockpit.
The mobile chart console is now framed as one connected surface so forecasting, structure, catalyst beacons and chart tools all sit inside the price workspace.

Automated signalling scans momentum shifts, crossovers and volatility breaks in real time. Automated AI forecasts map best, average and worst simulation paths forward, predictive MACD extends the momentum story, and catalyst beacons pin market-moving headlines directly onto price action so users can connect news, signals and structure without leaving the chart.

Automated Signalling Automated AI Forecasts Predictive MACD Catalyst Beacons Live Price Structure
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Indicators0
Technicals0
AI Forecast -29.73%
RSI Gauge
Price Change
AI Forecast