Temenos AG (TMNSF) Stock Price, Trades & News

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
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	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	3.64	Distress Grey Safe
Beneish M-Score	-2.72	Manipulator Not Manipulator
WACC vs ROIC		WACC 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

GF Value™: $86.07

TMNSF

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with TMNSF. Try a 7-Day Free Trial to check it out.

Temenos AG Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Temenos AG Stock Events

Financials Calendars

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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Entries

Guru Commentaries on OTCPK:TMNSF

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Press Release

	Subject	Date
	Zest AI's Credit Decisioning and Fraud Detection Now Seamlessly Integrated with Temenos Loan Origination Solution	2025-04-29
	SHAREHOLDER ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of Temenos AG - TMSNY	2024-03-03
	Banks to Move Online and Form Customer-Centric Digital Ecosystems Within Five Years, Finds Economist Intelligence Unit Report for Temenos	2021-06-29
	Top Italian Bank, Credem Goes Live with Temenos Infinity in the Cloud to Deliver Frictionless Digital Experiences	2021-06-22
	Temenos to Accelerate the Modernization of Top Global Bank Societe Generale's Transaction Banking Platform in Europe and Asia	2021-06-16
	IBS Recognizes Temenos as the #1 Best-Selling Banking Software in Nine Categories, More Than Any Other Technology provider	2021-06-14
	Virgin Money Australia Digital Bank Goes Live with Temenos	2021-06-09
	360factors Announces Partnership with Temenos to Deliver Leading Compliance and Risk Management Solution in the United States	2020-08-25

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Headlines

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