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Temenos AGCHIX:TEMNZ +0.90%78 Interest Coverage is 21.64 as of Jun. 2026, which is 92% above its 10-year median of 11.27. GuruFocus rates CHIX:TEMNZ with a GF Score™ of 78/100 and a GF Value™ of CHF72.60 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,698 Software companies, Temenos AG ranks better than 56.3% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Temenos AG's
Operating Income
for the
three
months ended in Jun. 2026 was CHF75.7 Mil. Temenos AG's Interest Expense for the
three
months ended in Jun. 2026 was CHF0.0 Mil.
Temenos AG's interest coverage for the quarter that ended in Jun. 2026 was 21.64.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for Temenos AG's Interest Coverage or its related term are showing as below:
CHIX:TEMNz'
s Interest Coverage Range Over the Past 10 Years
Min: 7.5 Med: 11.27 Max: 42.82
Current: 42.82
CHIX:TEMNz's Interest Coverage is ranked better than 56.3% of 1698
companies
in the Software industry
Industry Median: 26.18
vs CHIX:TEMNz: 42.82
Temenos AG (CHIX:TEMNz) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Temenos AG Interest Coverage Related Terms
Temenos AG Interest Coverage Historical Data
* Premium members only.
The historical data trend for Temenos AG's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
CHIX:TEMNZ vs CRM, SHOP, UBER: Interest Coverage Comparison
For the Software - Application subindustry, Temenos AG's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Temenos AG Interest Coverage vs Software Industry
For the Software industry and Technology sector, Temenos AG's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Temenos AG's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
GuruFocus does not calculate Temenos AG's interest coverage with the available data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Temenos AG (CHIX:TEMNZ) has a Interest Coverage of 21.64 as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Temenos AG and its competitors. This is 92% above median its historical median of 11.27. Over the past decade, Temenos AG's Interest Coverage has ranged from 7.50 to 42.82. According to the industry distribution chart, Temenos AG ranks #742 out of 1698 companies in the Software industry, placing it in the top 43.7%.
Is Temenos AG's Interest Coverage too high?
Temenos AG's current Interest Coverage of 21.64 is 92% above median its 10-year median of 11.27. Over the past 10 years, this metric has ranged from a low of 7.50 to a high of 42.82. The Software industry median Interest Coverage is 26.18. Temenos AG's value of 21.64 is 17.3% below this industry median. Based on the distribution chart, Temenos AG ranks #742 out of 1698 companies in the Software industry, which is above the industry midpoint. Overall, Temenos AG has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Temenos AG's Interest Coverage compare to CRM and SHOP?
According to the Software industry distribution chart, Temenos AG ranks #742 out of 1698 companies for Interest Coverage. This puts Temenos AG in the upper half of its industry. The industry median Interest Coverage is 26.18. Temenos AG's value of 21.64 is 17.3% below this benchmark. Historically, Temenos AG's own Interest Coverage has ranged from 7.50 to 42.82 over the past decade. While the company's 10-year median is 11.27 vs. the industry median of 26.18, Temenos AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for a Software company?
The median Interest Coverage among Software companies is 26.18, based on 1,698 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Temenos AG's current Interest Coverage of 21.64 is 17.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Temenos AG and its competitors. For the Software industry, the median Interest Coverage is 26.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Temenos AG's current Interest Coverage is 21.64, which is 92% above median its own 10-year median of 11.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Temenos AG stock overvalued right now?
Based on GuruFocus' analysis, Temenos AG (CHIX:TEMNZ) is currently considered Fairly Valued. The stock's GF Value™ is CHF72.60, compared to a current price of CHF68.43 — trading 5.8% below its estimated fair value. The current Interest Coverage is 21.64, which is 92% above median its 10-year median of 11.27 and 17.3% below the Software industry median of 26.18. Temenos AG's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Temenos AG (CHIX:TEMNZ), the current Interest Coverage is 21.64 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
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:
Interest Coverage: 21.64 (92% above median its 10-year median of 11.27)
GF Value™: CHF72.60 vs. price of CHF68.43 (5.8% below fair value)
Industry Position: 17.3% below the Software median (#742 of 1698)
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 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
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