Temenos AGTMNSF +4.75%85 Pretax Margin % is 20.91% as of Mar. 2026, which is 4% below its 10-year median of 21.87. GuruFocus rates TMNSF with a GF Score™ of 85/100 and a GF Value™ of $86.07 (Fairly Valued). The stock has 2 warning signs investors should review. Among 2,821 Software companies, Temenos AG ranks better than 93.9% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Temenos AG's Pre-Tax Income for the
three
months ended in Mar. 2026 was $53 Mil. Temenos AG's Revenue for the
three
months ended in Mar. 2026 was $253 Mil. Therefore, Temenos AG's pretax margin for the quarter that ended in Mar. 2026 was 20.91%.
The historical rank and industry rank for Temenos AG's Pretax Margin % or its related term are showing as below:
TMNSF'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.37 Med: 21.87 Max: 31.86
Current: 31.86
TMNSF's Pretax Margin % is ranked better than 93.9% of 2821
companies
in the Software industry
Industry Median: 3.5
vs TMNSF: 31.86
Temenos AG (OTCPK:TMNSF) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Temenos AG Pretax Margin % Related Terms
Temenos AG Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Temenos AG's Pretax Margin % 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.
TMNSF vs UBER, SHOP, CRM: Pretax Margin % Comparison
For the Software - Application subindustry, Temenos AG's Pretax Margin %, along with its competitors' market caps and Pretax Margin % 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 Pretax Margin % vs Software Industry
For the Software industry and Technology sector, Temenos AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Temenos AG's Pretax Margin % falls into.
* 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 (TMNSF) has a Pretax Margin % of 20.91% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Temenos AG and its competitors. This is near median its historical median of 21.87. Over the past decade, Temenos AG's Pretax Margin % has ranged from 15.37 to 31.86. According to the industry distribution chart, Temenos AG ranks #172 out of 2821 companies in the Software industry, placing it in the top 6.1%.
Is Temenos AG's Pretax Margin % too high?
Temenos AG's current Pretax Margin % of 20.91% is near median its 10-year median of 21.87. Over the past 10 years, this metric has ranged from a low of 15.37 to a high of 31.86. The Software industry median Pretax Margin % is 3.50. Temenos AG's value of 20.91% is 497.4% above this industry median. Based on the distribution chart, Temenos AG ranks #172 out of 2821 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Temenos AG has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Temenos AG's Pretax Margin % compare to UBER and SHOP?
According to the Software industry distribution chart, Temenos AG ranks #172 out of 2821 companies for Pretax Margin %. This places Temenos AG in the top 6% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 3.50. Temenos AG's value of 20.91% is 497.4% above this benchmark. Historically, Temenos AG's own Pretax Margin % has ranged from 15.37 to 31.86 over the past decade. While the company's 10-year median is 21.87 vs. the industry median of 3.50, Temenos AG has consistently been above 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 Pretax Margin % for a Software company?
The median Pretax Margin % among Software companies is 3.50, based on 2,821 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Temenos AG's current Pretax Margin % of 20.91% is 497.4% above 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Temenos AG and its competitors. For the Software industry, the median Pretax Margin % is 3.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Temenos AG's current Pretax Margin % is 20.91%, which is near median its own 10-year median of 21.87. 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 (TMNSF) is currently considered Fairly Valued. The stock's GF Value™ is $86.07, compared to a current price of $78.89 — trading 8.3% below its estimated fair value. The current Pretax Margin % is 20.91%, which is near median its 10-year median of 21.87 and 497.4% above the Software industry median of 3.50. Temenos AG's overall GF Score™ is 85/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Temenos AG (TMNSF), the current Pretax Margin % is 20.91% as of Mar. 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 (TMNSF) Overvalued in 2026?
Based on GuruFocus' analysis, Temenos AG stock appears to be undervalued.
The current stock price of $78.89 is trading 8.3% below its estimated GF Value™ of $86.07.
GuruFocus considers Temenos AG to be Fairly Valued.
Key valuation signals for TMNSF:
Pretax Margin %: 20.91% (near median its 10-year median of 21.87)
GF Value™: $86.07 vs. price of $78.89 (8.3% below fair value)
Industry Position: 497.4% above the Software median (#172 of 2821)
No single metric tells the full story. See the TMNSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
85GF Score
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