Temenos AG

Chart & Performance

D1W1MN

P/E

36.89

P/S

4.97

EPS

1.93

Div Yield, %

1.99%

Shrs. gr., 5y

-0.09%

Rev. gr., 5y

3.53%

Revenues

1.00b

+5.33%

Net income

135m

+17.70%

CFO

331m

+11.12%

Dividend

May 10, 20241.2 CHF/sh

Earnings

May 07, 2025

Profile

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. The company provides Temenos Transact, a banking solution that offers banking software, and data and analytics; and Temenos Payments, a payment solution that gives banks real-time control, customer service experience, and cost efficiencies and risk management solutions. It also offers Temenos Infinity, a digital banking product; Temenos Multifonds, a fund administration solution; Temenos SaaS solution that supports banks in various sectors and geographies; Temenos Quantum, a multi-experience development platform that delivers digital transformation; and Temenos AI that provides frictionless customer experiences and automate processes. In addition, the company provides Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; and Temenos Regulatory Compliance, which is used to address fraud, remain compliant with regulations, and manage risk. Further, it offers retail and private banking, corporate and business banking, Islamic banking, wealth management, financial inclusion, mobile banking, consultancy and training services, and support services. Additionally, the company provides Temenos Developer Community, an open API catalogue that brings standardized out-of-the-box APIs to fast track innovation with online support and resources. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. Temenos AG was founded in 1993 and is headquartered in Geneva, Switzerland.

URL

https://www.temenos.com/

IPO date

Jun 26, 2001

Employees

7,498

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	1,000,224 5.33%	949,628 -1.80%	967,002 8.98%
Cost of revenue	944,037	951,215	918,177
Unusual Expense (Income)
NOPBT	56,187	(1,587)	48,825
NOPBT Margin	5.62%		5.05%
Operating Taxes	38,206	31,543	38,146
Tax Rate	68.00%		78.13%
NOPAT	17,981	(33,130)	10,679
Net income	134,677 17.70%	114,420 -34.00%	173,370 -0.94%
Dividends	(88,273)	(74,405)	(71,427)
Dividend yield	1.55%	2.04%	0.78%
Proceeds from repurchase of equity	34,713		(200,170)
BB yield	-0.61%		2.19%
Debt
Debt current	194,990	204,137	211,009
Long-term debt	603,446	675,583	793,065
Deferred revenue		12,657	26,117
Other long-term liabilities	131,796	14,963	15,099
Net debt	669,799	746,947	842,753
Cash flow
Cash from operating activities	331,031	297,907	460,129
CAPEX	(9,739)	(105,032)	(102,118)
Cash from investing activities	(84,192)	(137,124)	(131,526)
Cash from financing activities	(235,624)	(207,972)	(295,965)
FCF	(51,845)	56,769	52,137
Balance
Cash	176,671	125,035	146,078
Long term investments	(48,034)	7,738	15,243
Excess cash	78,626	85,292	112,971
Stockholders' equity	1,434,569	1,376,724	1,333,283
Invested Capital	1,499,826	1,215,144	1,264,617
ROIC	1.32%		0.81%
ROCE	3.56%		3.31%
EV
Common stock shares outstanding	72,633	71,957	72,377
Price	78.22 54.16%	50.74 -59.75%	126.05 1.94%
Market cap	5,681,353 55.61%	3,651,098 -59.98%	9,123,121 0.75%
EV	6,351,152	5,588,795	11,186,731
EBITDA	188,359	140,203	200,780
EV/EBITDA	33.72	39.86	55.72
Interest	25,328	21,791	21,513
Interest/NOPBT	45.08%		44.06%