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 the Americas, Europe, Middle East, Africa, and Asia-Pacific.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	0.35
Equity-to-Asset	0.3
Debt-to-Equity	1.19
Debt-to-EBITDA	2.64
Interest Coverage	8.69
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	2.87	Distress Grey Safe
Beneish M-Score	-2.97	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	3.4
	3-Year EBITDA Growth Rate	-5.4
	3-Year EPS without NRI Growth Rate	-3.3
	3-Year FCF Growth Rate	-7.1
	3-Year Book Growth Rate	8.2
	Future 3-5Y EPS without NRI Growth Rate	10.91
	Future 3-5Y Total Revenue Growth Rate	6.4

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	22.41
	9-Day RSI	32.19
	14-Day RSI	36.2
	6-1 Month Momentum %	5.04
	12-1 Month Momentum %	-7.38

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.7
	Quick Ratio	0.7
	Cash Ratio	0.34
	Days Sales Outstanding	90.63
	Days Payable	197.07

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.9
	Dividend Payout Ratio	0.67
	3-Year Dividend Growth Rate	10.6
	Forward Dividend Yield %	2.08
	5-Year Yield-on-Cost %	3.1
	Shareholder Yield %	3.8

Profitability Rank

8/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	71.19
	Operating Margin %	20.15
	Net Margin %	13.57
	FCF Margin %	25.03
	ROE %	21.66
	ROA %	5.88
	ROIC %	6.17
	ROC (Joel Greenblatt) %	334.49
	ROCE %	14.95
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	34.85
	PE Ratio without NRI	34.85
	Shiller PE Ratio	30.41
	Price-to-Owner-Earnings	27.28
	PS Ratio	4.74
	PB Ratio	6.42
	Price-to-Free-Cash-Flow	18.93
	Price-to-Operating-Cash-Flow	14.06
	EV-to-EBIT	26.69
	EV-to-Forward-EBIT	23.14
	EV-to-EBITDA	16.03
	EV-to-Forward-EBITDA	18.65
	EV-to-Revenue	5.29
	EV-to-Forward-Revenue	7.1
	EV-to-FCF	21.12
	Price-to-Projected-FCF	1.45
	Price-to-Median-PS-Value	0.55
	Earnings Yield (Greenblatt) %	3.75
	FCF Yield %	5.32
	Forward Rate of Return (Yacktman) %	2.71

Financials

Annual Quarterly TTM

XSWX:TEMN's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Temenos AG Executives

Details

GF Value: CHF76.68

XSWX:TEMN

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with TEMN. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil CHF)	890.09
	EPS (TTM) (CHF)	1.657
	Beta	1.51
	Volatility %	40.93
	14-Day RSI	36.2
	14-Day ATR (CHF)	2.713417
	20-Day SMA (CHF)	63.5765
	12-1 Month Momentum %	-7.38
	52-Week Range (CHF)	56.3 - 89.68
	Shares Outstanding (Mil)	72.49

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Temenos AG Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Temenos AG Stock Events

Financials Calendars

	Event	Date	Price(CHF)
No Event Data

Temenos AG Frequently Asked Questions

What is Temenos AG(XSWX:TEMN)'s stock price today?

The current price of XSWX:TEMN is CHF57.75. The 52 week high of XSWX:TEMN is CHF89.68 and 52 week low is CHF56.30.

When is next earnings date of Temenos AG(XSWX:TEMN)?

The next earnings date of Temenos AG(XSWX:TEMN) is .

Does Temenos AG(XSWX:TEMN) pay dividends? If so, how much?

The Dividend Yield % of Temenos AG(XSWX:TEMN) is 1.9% (As of Today), Highest Dividend Payout Ratio of Temenos AG(XSWX:TEMN) was 0.67. The lowest was 0.22. And the median was 0.25. The Forward Dividend Yield % of Temenos AG(XSWX:TEMN) is 2.08%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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