Alfa Financial Software - Public Comps and Valuation Multiples

Alfa Financial Software Overview

About Alfa Financial Software

Alfa Financial Software Holdings PLC provides software and services to the auto and equipment finance industries. Alfa Systems, its technology platform, supports both retail and corporate business for auto, equipment, wholesale, and dealer finance on a multijurisdictional basis, including leases/loans, originations, and servicing. An end-to-end solution with integrated workflow and automated processing using business rules, it provides compelling solutions to asset finance companies. The company generates a majority of its revenue from the United Kingdom and the rest from the United States and other regions.

Founded

2017

HQ

Employees

502

Website

alfasystems.com

Sectors

Financial Services Software
Automotive Software
B2B SaaS
Vertical SaaS
AutomotiveTech
FinTech

Financials

LTM Revenue $161M

LTM EBITDA $52.8M

EV

$902M

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Alfa Financial Software Financials

As of September 2025, Alfa Financial Software reported last 12-month revenue of $161M and EBITDA of $52.8M.

In the same period, Alfa Financial Software generated $103M in LTM gross profit and $35.0M in net income.

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Alfa Financial Software P&L

In the most recent fiscal year, Alfa Financial Software reported revenue of $147M and EBITDA of $50.0M.

Alfa Financial Software expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$161M	XXX	$147M	XXX	XXX	XXX
Gross Profit	$103M	XXX	$94.5M	XXX	XXX	XXX
Gross Margin	64%	XXX	65%	XXX	XXX	XXX
EBITDA	$52.8M	XXX	$50.0M	XXX	XXX	XXX
EBITDA Margin	33%	XXX	34%	XXX	XXX	XXX
EBIT	$47.2M	XXX	$45.7M	XXX	XXX	XXX
EBIT Margin	29%	XXX	31%	XXX	XXX	XXX
Net Profit	$35.0M	XXX	$34.1M	XXX	XXX	XXX
Net Margin	22%	XXX	23%	XXX	XXX	XXX
Net Debt	XXX	XXX	n/a	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Alfa Financial Software including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $161M. EBITDA for the last twelve months was $52.8M. In the most recent fiscal year, Alfa Financial Software achieved $147M in revenue and $50.0M in EBITDA.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$161M	Analyst estimates available to subscribers	$147M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	$103M	Analyst estimates available to subscribers	$94.5M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	63.7% gross margin	Analyst estimates available to subscribers	64.5% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$52.8M	Analyst estimates available to subscribers	$50.0M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	32.7% EBITDA margin	Analyst estimates available to subscribers	34.1% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$47.2M	Analyst estimates available to subscribers	$45.7M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	29.3% EBIT margin	Analyst estimates available to subscribers	31.2% EBIT margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$35.0M	Analyst estimates available to subscribers	$34.1M	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	21.7% net profit margin	Analyst estimates available to subscribers	23.3% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	n/a	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Alfa Financial Software

This financial data table provides comprehensive performance metrics for Alfa Financial Software, a company based in United Kingdom of Great Britain and Northern Ireland. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Alfa Financial Software generated $161M in revenue over the last twelve months.
The company achieved $52.8M in EBITDA over the last twelve months.
Gross profit for the last twelve months was $103M.
Net income over the last twelve months reached $35.0M.

Fiscal Year Performance

In the most recent fiscal year, Alfa Financial Software reported $147M in total revenue.
Fiscal year EBITDA was $50.0M.
The company maintained a gross profit margin of 64.5% in the most recent fiscal year.
EBITDA margin for the fiscal year was 34.1%.
Net profit margin reached 23.3% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Alfa Financial Software. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Alfa Financial Software Stock Performance

Alfa Financial Software has current market cap of GBP 691M (or $922M), and EV of GBP 677M (or $902M).

Market Cap Evolution

Alfa Financial Software Stock Data

As of October 2, 2025, Alfa Financial Software's stock price is GBP 2 (or $3).

See Alfa Financial Software trading valuation data

EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$902M	$922M	XXX	XXX	XXX	XXX	$0.12

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Alfa Financial Software Valuation Multiples

Alfa Financial Software's trades at 6.2x EV/Revenue multiple, and 18.0x EV/EBITDA.

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Alfa Financial Software Financial Valuation Multiples

As of October 2, 2025, Alfa Financial Software has market cap of $922M and EV of $902M.

Equity research analysts estimate Alfa Financial Software's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Alfa Financial Software has a P/E ratio of 26.4x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$922M	XXX	$922M	XXX	XXX	XXX
EV (current)	$902M	XXX	$902M	XXX	XXX	XXX
EV/Revenue	5.6x	XXX	6.2x	XXX	XXX	XXX
EV/EBITDA	17.1x	XXX	18.0x	XXX	XXX	XXX
EV/EBIT	19.1x	XXX	19.7x	XXX	XXX	XXX
EV/Gross Profit	8.8x	XXX	n/a	XXX	XXX	XXX
P/E	26.4x	XXX	27.0x	XXX	XXX	XXX
EV/FCF	30.1x	XXX	29.7x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Alfa Financial Software Margins & Growth Rates

Alfa Financial Software's last 12 month revenue growth is 10%

Alfa Financial Software's revenue per employee in the last FY averaged $0.3M, while opex per employee averaged $0.1M for the same period.

Alfa Financial Software's rule of 40 is 42% (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Alfa Financial Software's rule of X is 58% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Alfa Financial Software Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	10%	XXX	11%	XXX	XXX	XXX
EBITDA Margin	33%	XXX	34%	XXX	XXX	XXX
EBITDA Growth	10%	XXX	11%	XXX	XXX	XXX
Rule of 40	42%	XXX	44%	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	58%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.3M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$0.1M	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	33%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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