Temenos AG (XSWX:TEMN N) Moat Score : 5/10 (As of Jul. 05, 2025)

View and export this data going back to 2001. Start your Free Trial

What is Temenos AG Moat Score?

Temenos AG has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Temenos AG has Narrow Moat: Temenos AG has a solid position in banking software with strong customer loyalty and switching costs due to integration complexity. The company benefits from consistent R&D and a robust distribution network, but faces competition from larger tech firms, limiting its moat to narrow.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Temenos AG might have Narrow Moat - Solid narrow moat.

Competitive Comparison of Temenos AG's Moat Score

For the Software - Application subindustry, Temenos AG's Moat Score, along with its competitors' market caps and Moat Score 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's Moat Score Distribution in the Software Industry

For the Software industry and Technology sector, Temenos AG's Moat Score distribution charts can be found below:

* The bar in red indicates where Temenos AG's Moat Score falls into.

Save Embed

;

Save Embed

;

Temenos AG (XSWX:TEMN N) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

Temenos AG Moat Score Related Terms

Thank you for viewing the detailed overview of Temenos AG's Moat Score provided by GuruFocus.com. Please click on the following links to see related term pages.

Temenos AG Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Technology » Software » Temenos AG (XSWX:TEMN N) » Definitions » Moat Score

Comparable Companies

Traded in Other Exchanges

TMSNY:USA TMNSF:USA TEMNz:UK 0QOA:UK TEMNE:Switzerland

Address

Esplanade de Pont-Rouge 9C, Geneva, CHE, 1212

Website

https://www.temenos.com

Temenos AG is a Switzerland-based provider of software systems for banking and other financial services. Its digital banking offerings include corporate banking, investor servicing, retail banking, Islamic banking, Internet and mobile banking, and micro-banking capabilities. Its other offerings include financial crime analysis, payment processing, risk and compliance, portfolio and fund accounting, customer relationship management, data warehousing, and reporting. The firm has operations in Switzerland, United States of America, Luxembourg, United Kingdom, Canada, Singapore, Australia.

Temenos AG Headlines

No Headlines