Temenos AG (CHIX:TEMNZ) Net Loan

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:TEMNZ Temenos AG CHIX:TEMNZ
78 GF Score
Price CHF68.43
GF Value CHF72.60
Valuation Fairly Valued
! 4 Warning Signs
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What is Temenos AG Net Loan?

Net Loan only applies to banks and insurance companies.

CHIX:TEMNZ
78GF Score
Temenos AG CHIX:TEMNZ
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Temenos AG (CHIX:TEMNZ) Overvalued in 2026?

Based on GuruFocus' analysis, Temenos AG stock appears to be undervalued. The current stock price of CHF68.43 is trading 5.8% below its estimated GF Value™ of CHF72.60. GuruFocus considers Temenos AG to be Fairly Valued.

Key valuation signals for CHIX:TEMNZ:

  • Net Loan:
  • GF Value™: CHF72.60 vs. price of CHF68.43 (5.8% below fair value)
  • GF Score™: 78/100 with 4 warning signs

No single metric tells the full story. See the CHIX:TEMNZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Temenos AG Business Description

Address Esplanade de Pont-Rouge 9C, Geneva, CHE, 1212
Temenos AG is a Swiss enterprise software company that supplies banking and financial services platforms to banks, credit unions, wealth managers, and other financial institutions worldwide. Its flagship offering, Temenos Core Banking, handles accounts, customer information, transaction processing, loans, and regulatory reporting, and is available both on-premises and as a cloud service. The company also provides products for digital banking, payments, wealth management, financial crime compliance, and analytics, along with the Temenos Banking Cloud platform. Customers span retail, corporate, private, and Islamic banking segments across Europe, the Middle East, Africa, the Americas, and Asia-Pacific. Temenos generates revenue primarily through software licensing, subscription and SaaS arrangements, and maintenance and services fees, with a growing share of recurring revenue as clients migrate to cloud-based delivery.
78GF Score

Get the complete analysis for CHIX:TEMNZ

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF68.43
Price
CHF72.60
GF Value