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Investor Relations14 Oct 2025
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Alfa Financial Software Holdings (ALFA) investor relations material
Alfa Financial Software Holdings H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary4 Sep, 2025
Executive summary
Achieved strong first half with revenue up 22% year-over-year to £62.5m, driven by robust subscription and software engineering growth, and continued investment in product, people, and market expansion.
Subscription revenue grew 17% year-over-year, now representing 34% of total revenue, with ARR up 16% to £42m and NRR at 112%.
Operating profit rose 33% to £21.6m, with an operating margin of 35% and EBITDA margin of 37%.
Declared a special dividend of 5p per share (c. £14.8m), reflecting strong cash generation and confidence in future prospects.
Maintained high customer retention and accelerated new customer wins, supporting future growth.
Financial highlights
Revenue reached £62.5m, up from £52.3m year-over-year; subscription revenue up 17% to £21.2m; software engineering revenue up 72% to £10.3m; delivery revenue up 10% to £31.0m.
Total contract value (TCV) increased 9% year-over-year to £211m, with subscription TCV up 12% and next 12 months TCV up 25%.
Cash balance at period end was £23.9m after £11.2m in dividends paid; operating free cash flow conversion at 88%.
Basic EPS grew 33% and diluted EPS rose 34% to 5.35p per share.
Gross margin improved by 130 basis points to 64.2%.
Outlook and guidance
Full-year expectations remain unchanged, with double-digit revenue growth and mid-teens subscription growth anticipated.
H2 expected to see similar revenue but lower operating margins due to higher costs, reduced chargeability in Software Engineering, and absence of FX hedge gains.
Cash conversion for 2025 expected at 80–90%, rising to 90–100% from 2026 onwards.
Effective tax rate expected at 26%.
H2 software engineering revenue drivers?
Impact of new US taxes on operations?
Commercial Finance TAM expansion timeline?
What drives the expected H2 operating margin decline?
NRR 112% is high; what's a normal level?
Progress on commercial finance market entry
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Next Alfa Financial Software Holdings earnings date
H2 202512 Mar, 2026
Next Alfa Financial Software Holdings earnings date
H2 202512 Mar, 2026
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Eferix Drawings Google Play
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Frequently asked questions
Alfa Financial Software Holdings PLC, through its subsidiaries, provides software solutions and consultancy services to the asset finance industry in the United Kingdom, the United States, rest of Europe, and internationally. The company operates through Services, Software, and Subscription segments. It provides Alfa Systems a software platform to administer retail and corporate businesses from point of sale through originations to contract management and remarketing; and Alfa Digital platform and apps suite, an omnichannel digital solution that delivers concepts such as self-serve, customer onboarding, and mobility as well as point of sale functionality across various devices. The company also offers cloud hosting services. It primarily serves equipment and automotive finance markets. The company was founded in 1990 and is based in London
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