Business Description
Temenos AG
ISIN : CH0012453913
Total Employee Number:
5,205Description
Temenos is a Swiss company that provides banking software to financial institutions around the world. Its main product is core banking software that helps banks manage accounts, customer information, transaction processing, loans, security, and financial reporting. Besides core banking software, Temenos offers products for digital banking, payments, wealth management, compliance, and analytics to help banks improve customer experience and meet regulatory requirements.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.18 | |||||
Equity-to-Asset | 0.19 | |||||
Debt-to-Equity | 1.88 | |||||
Debt-to-EBITDA | 1.54 | |||||
Interest Coverage | 16.4 | |||||
Piotroski F-Score | 7/9 | |||||
Altman Z-Score | 3.64 | |||||
Beneish M-Score | -2.72 | |||||
WACC vs ROIC | ||||||
Growth Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 0.2 | |||||
3-Year EBITDA Growth Rate | 10.8 | |||||
3-Year EPS without NRI Growth Rate | 9.4 | |||||
3-Year FCF Growth Rate | 8.5 | |||||
3-Year Book Growth Rate | -9 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 8.03 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 7 |
Momentum Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 52.78 | |||||
9-Day RSI | 34.21 | |||||
14-Day RSI | 28.3 | |||||
3-1 Month Momentum % | 2.26 | |||||
6-1 Month Momentum % | 10.17 | |||||
12-1 Month Momentum % | 26.64 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.48 | |||||
Quick Ratio | 0.48 | |||||
Cash Ratio | 0.15 | |||||
Days Sales Outstanding | 67.5 | |||||
Days Payable | 270.49 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.25 | |||||
Dividend Payout Ratio | 0.41 | |||||
3-Year Dividend Growth Rate | 9 | |||||
Forward Dividend Yield % | 2.25 | |||||
5-Year Yield-on-Cost % | 3.56 | |||||
3-Year Average Share Buyback Ratio | 2.1 | |||||
Shareholder Yield % | 10.21 |
Profitability Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 74.11 | |||||
Operating Margin % | 23.82 | |||||
Net Margin % | 26.4 | |||||
EBITDA Margin % | 44.92 | |||||
FCF Margin % | 26.01 | |||||
OCF Margin % | 32.35 | |||||
ROE % | 56.05 | |||||
ROA % | 12.61 | |||||
ROIC % | 8.86 | |||||
3-Year ROIIC % | -10.62 | |||||
ROC (Joel Greenblatt) % | 776.32 | |||||
ROCE % | 28.86 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 5 | |||||
Tariff Resilience Score | 9 |
GF Value Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 19.37 | |||||
Forward PE Ratio | 17.14 | |||||
PE Ratio without NRI | 21.13 | |||||
Shiller PE Ratio | 29.05 | |||||
Price-to-Owner-Earnings | 19.79 | |||||
PEG Ratio | 15.09 | |||||
PS Ratio | 5.06 | |||||
PB Ratio | 13.35 | |||||
Price-to-Free-Cash-Flow | 19.52 | |||||
Price-to-Operating-Cash-Flow | 15.67 | |||||
EV-to-EBIT | 16.52 | |||||
EV-to-Forward-EBIT | 21 | |||||
EV-to-EBITDA | 12.25 | |||||
EV-to-Forward-EBITDA | 14.59 | |||||
EV-to-Revenue | 5.5 | |||||
EV-to-Forward-Revenue | 5.24 | |||||
EV-to-FCF | 21.18 | |||||
Price-to-GF-Value | 0.92 | |||||
Price-to-Projected-FCF | 1.71 | |||||
Price-to-Median-PS-Value | 0.59 | |||||
Earnings Yield (Greenblatt) % | 6.05 | |||||
FCF Yield % | 5.29 | |||||
Forward Rate of Return (Yacktman) % | 6.96 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Temenos AG Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 1,111.59 | ||
| EPS (TTM) ($) | 4.16 | ||
| Beta | 0.3343 | ||
| 3-Year Sharpe Ratio | 0.07 | ||
| 3-Year Sortino Ratio | 0.12 | ||
| Volatility % | 30.96 | ||
| 14-Day RSI | 28.3 | ||
| 14-Day ATR ($) | 1.015417 | ||
| 20-Day SMA ($) | 84.50675 | ||
| 12-1 Month Momentum % | 26.64 | ||
| 52-Week Range ($) | 74.49 - 97.58 | ||
| Shares Outstanding (Mil) | 67.32 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Temenos AG Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Temenos AG Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-27 | In 120 days | ||
| Third quarter earnings results for 2026 | 2026-10-27 | In 120 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-22 | In 23 days | ||
| Second quarter earnings results for 2026 | 2026-07-22 | In 23 days | ||
| CHF 1.400000 Cash Dividend | 2026-05-18 | 94.34 (+0.00%) | ||
| General meeting for 2026 | 2026-05-13 11:30 | 94.34 (+0.00%) | ||
| First quarter earnings conference call for 2026 | 2026-04-21 12:30 | 92.25 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-21 | 92.25 (+0.00%) | ||
| Annual report for 2025 | 2026-03-03 | 82.60 (+0.00%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-02-24 12:30 | 82.60 (+0.00%) |
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Temenos AG Frequently Asked Questions
What is Temenos AG(TMNSF)'s stock price today?
The current price of TMNSF is $78.89. The 52 week high of TMNSF is $97.58 and 52 week low is $74.49.
When is next earnings date of Temenos AG(TMNSF)?
The next earnings date of Temenos AG(TMNSF) is 2026-07-22.
Does Temenos AG(TMNSF) pay dividends? If so, how much?
The Dividend Yield %  of Temenos AG(TMNSF) is 2.25% (As of Today), Highest Dividend Payout Ratio of Temenos AG(TMNSF) was 0.41. The lowest was 0.22. And the median was 0.26. The  Forward Dividend Yield % of Temenos AG(TMNSF) is 2.25%. For more information regarding to dividend, please check our Dividend Page.
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