Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Temenos AG is a Switzerland-based company specializing in the development and marketing of banking software systems. Founded in 1993 in Geneva, it provides comprehensive solutions including core banking platforms like Temenos T24, which offers front-to-back office functionality, Customer Relationship Management, and product lifecycle management. The company also delivers Front Office solutions for multi-channel customer interactions across retail, corporate, mass affluent, and high-net-worth segments, alongside funds and securities offerings. Temenos AG serves over 950 core banking and 600 digital banking clients worldwide, catering to retail, corporate, universal, Islamic, microfinance, community banking, and private wealth management sectors. Its adaptable technology supports on-premises, cloud, and SaaS deployments, enabling financial institutions to innovate with AI-enhanced experiences, optimize performance, and achieve superior cost-to-income ratios. With a global presence and a workforce of approximately 6,427 employees, Temenos AG plays a pivotal role in modernizing banking operations, driving efficiencies, and fostering growth opportunities for institutions of all sizes through cutting-edge software and services.
Margins and capital returns are both well above average: 22.73% operating margin, ROIC at 15.61%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue grew 4.5%, steady but not accelerating.
Insufficient data to identify specific risks. Treat any missing metrics as a data gap, not a clean bill of health.
Profitability & Returns
Revenue (TTM)
$1.11B
▲ +4.5% YoY
Net Income (TTM)
$291M
▲ +58.4% YoY
Op. Margin
23.80%
▲ +0.6pp YoY
ROIC
15.61%
▲ +1.7pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$289M
▼ -1.4% YoY
Op. Cash Flow (TTM)
$340M
▲ +14.4% YoY
Net Debt
$563M
Cash & Equiv.
$246M
3Y CAGR: +4.7%
3Y CAGR: +13.3%
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