Temenos AG

Chart & Performance

D1W1MN

P/E

31.98

P/S

5.43

EPS

2.51

Div Yield, %

1.69%

Shrs. gr., 5y

-0.48%

Rev. gr., 5y

1.44%

Revenues

1.04b

+4.39%

Net income

177m

+31.56%

CFO

363m

+9.76%

Dividend

May 15, 20251.3 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	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	1,044,105 4.39%	1,000,224 5.33%	949,628 -1.80%
Cost of revenue	812,891	944,037	951,215
Unusual Expense (Income)
NOPBT	231,214	56,187	(1,587)
NOPBT Margin	22.14%	5.62%
Operating Taxes	32,428	38,206	31,543
Tax Rate	14.03%	68.00%
NOPAT	198,786	17,981	(33,130)
Net income	177,179 31.56%	134,677 17.70%	114,420 -34.00%
Dividends	(96,938)	(88,273)	(74,405)
Dividend yield	2.11%	1.55%	2.04%
Proceeds from repurchase of equity	(159,336)	34,713
BB yield	3.47%	-0.61%
Debt
Debt current		194,990	204,137
Long-term debt		603,446	675,583
Deferred revenue	18,956		12,657
Other long-term liabilities	489,443	131,796	14,963
Net debt	(114,154)	669,799	746,947
Cash flow
Cash from operating activities	363,351	331,031	297,907
CAPEX	(5,026)	(9,739)	(105,032)
Cash from investing activities	(71,178)	(84,192)	(137,124)
Cash from financing activities	(279,246)	(235,624)	(207,972)
FCF	324,770	(51,845)	56,769
Balance
Cash	114,154	176,671	125,035
Long term investments		(48,034)	7,738
Excess cash	61,949	78,626	85,292
Stockholders' equity	1,512,748	1,434,569	1,376,724
Invested Capital	1,085,424	1,499,826	1,215,144
ROIC	15.38%	1.32%
ROCE	19.22%	3.56%
EV
Common stock shares outstanding	71,733	72,633	71,957
Price	64.10 -18.05%	78.22 54.16%	50.74 -59.75%
Market cap	4,598,057 -19.07%	5,681,353 55.61%	3,651,098 -59.98%
EV	4,483,903	6,351,152	5,588,795
EBITDA	361,582	188,359	140,203
EV/EBITDA	12.40	33.72	39.86
Interest	14,926	25,328	21,791
Interest/NOPBT	6.46%	45.08%