Temenos AG (XSWX:TEMN)

Q3 2025 Temenos AG Earnings Call Transcript

Oct 28, 2025 / 05:30PM GMT

Release Date Price: CHF62.2 (-2.12%)

Transcript

Key Points

Positve

Temenos AG (TMNSF) delivered a strong performance in Q3 2025, with stable sales environment and no impact from US bank credit concerns.
The company announced several AI-powered products, such as the AI agent for financial crime mitigation, which have gained good traction.
Temenos AG is on track to increase sales headcount by 50% by year-end, supporting its strategic growth plan.
The company raised its guidance for 2025 for subscription and SaaS, EBIT, and EPS, reflecting strong sales momentum and cost efficiency.
Temenos AG achieved 11% total revenue growth in Q3, driven by broad-based wins with new and existing customers, and a 36% increase in EBIT.

Negative

There were no large deals signed in Q3, although several are expected in Q4, indicating potential dependency on future large deals for growth.
The company remains cautious about macroeconomic uncertainties, which could impact future sales and deal conversions.
Despite strong EBIT growth, free cash flow guidance remains unchanged, suggesting potential challenges in cash flow conversion.
The impact of a significant contract loss with a BNPL customer continues to be a headwind, affecting quarterly results.
Temenos AG's strategy execution is ongoing, with some investments and initiatives still in the catch-up phase, potentially affecting short-term performance.

Operator

Ladies and gentlemen, welcome to the Temenos Q3 2025 Results Conference Call and Live Webcast. I am Matilda, the Chorus Call operator. (Operator Instructions) The conference is being recorded. (Operator Instructions) The conference must not be recorded for publication or broadcast.

At this time, it's my pleasure to hand over to Takis Spiliopoulos, Interim CEO and CFO. Please go ahead.

Paniagotis Spiliopoulos

Temenos AG - Interim Chief Executive Officer, Chief Financial Officer, Member of the Executive Committee

Thank you, Matilda. Good evening, good afternoon. Thank you all for joining us for our Q3 '25 results call. I will talk you through our key performance and operational highlights for the quarter before updating you on our operational and financial performance.

So starting with Slide 6. We delivered a strong performance in Q3 '25, benefiting from a stable sales environment throughout the quarter. There was no impact from the US bank credit concerns in Q3, and we have not seen any impact so far in the current quarter. Demand in Q3 was

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