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Temenos AG (TEMN.SW)

CHF69.70 +0.50 (+0.72%)
CH SIX Technology Software - Application
Address 2 Rue de L'Ecole-de-Chimie 1205
Geneva, CH
CEO Panagiotis Spiliopoulos
Website temenos.com
IPO 2001-06-26
ISIN CH0012453913

Explore sections of this company profile

Also trades on London Stock Exchange · 0QOA.L (CHF) Other OTC · TMNSF (USD) Other OTC · TMSNY (USD) Swiss Exchange · TEMN.SW (CHF)
Description

Temenos AG, founded in 1993 and headquartered in Geneva, Switzerland, is a global provider specializing in the development, marketing, and sales of integrated software systems for banking and other financial institutions. The company's extensive portfolio empowers banks with advanced solutions across various operational facets. Its core offerings include Temenos Transact, a comprehensive banking solution that integrates essential software with robust data and analytics capabilities. For streamlined payment processing, Temenos Payments delivers real-time control, superior customer service, and effective cost and risk management. The company further supports digital transformation with Temenos Infinity, a dedicated digital banking product, and Temenos Quantum, a multi-experience development platform. Specialized solutions such as Temenos Multifonds address fund administration, while the Temenos SaaS offering provides flexible cloud-based support to banks across diverse sectors and geographies. Leveraging artificial intelligence, Temenos AI aims to create frictionless customer experiences and automate business processes. Critical compliance and security concerns are handled by Temenos Financial Crime Mitigation, designed to prevent regulatory fines, detect fraud, and reduce reputational risks, alongside Temenos Regulatory Compliance for managing risk and ensuring adherence to regulations. Additionally, Temenos Analytics provides powerful reporting, analytics, and business intelligence tools. Beyond its product suite, Temenos supports a broad spectrum of banking services, including retail, private, corporate, and Islamic banking, wealth management, financial inclusion, and mobile banking. The company also offers consultancy, training, and support services to its clients. Innovation is fostered through the Temenos Developer Community, which provides an open API catalog, standardized APIs, and online resources to accelerate development. The company, previously known as Temenos Group AG, officially changed its name to Temenos AG in May 2018.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
CHF69.70 +0.50 (+0.72%)
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Volume Profile
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Liquidity & share structure
Average Volume
193.8K
Beta
0.57
Float Shares
52.30M
Free Float %
75.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+3.52% -0.59% -8.59% -5.52% -7.28% -17.12% +11.10% -11.98% -51.21% +22.37% +509.93%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Buy
Price Targets & DCF
Current price
69.70
DCF (Unlevered) 87.10 +25.0%
DCF (Levered) 105.15 +50.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 44% Bullish
Rating 2026-05 Change
Strong Buy 2 -1
Buy 5 0
Hold 7 0
Sell 2 0
Strong Sell 0 -1
Quality scores
Altman Z-Score
3.93
Safe zone
Piotroski F-Score
7 / 9
Strong
MOAT Score
7 / 10
Strong MOAT
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers ★ Strong MOAT
  • ✓
    Revenue growth Software - Application: +13.0%
    +9.5% Q1'26: +8.9% (vs Q1'25)
  • ✓
    EPS growth Software - Application: +28.6%
    +72.4% ★ Q1'26: +45.0% (vs Q1'25)
  • ✓
    FCF margin FCF growth · Software - Application: +45.3%
    +44.8% ★ Q1'26: +24.9% (vs Q1'25)
  • ✓
    EBIT margin Software - Application: +9.4%
    +44.6% ★ Q1'26: +22.4% (vs Q1'25)
  • ✓
    ROIC Software - Application: +7.5%
    +39.3% ★ Q1'26: +16.0% (vs Q1'25)
  • ✓
    Share dilution Software - Application: +0.0%
    -3.7% ★ Q1'26: -5.6% (vs Q1'25)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×
    1.26× Q1'26: 2.32× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.59) × ERP
WACC = 88% × Ke + 12% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 87.10 Current price: 69.70
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2002
actual 		Dec 2003
actual 		Dec 2004
actual 		Dec 2005
actual 		Dec 2006
actual 		Dec 2007
actual 		Dec 2008
actual 		Dec 2009
actual 		Dec 2010
actual 		Dec 2011
actual 		Dec 2012
actual 		Dec 2013
actual 		Dec 2014
actual 		Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
15 Rev. Ana.
12 EPS Ana. 		Dec 2027
15 Rev. Ana.
12 EPS Ana. 		Dec 2028
13 Rev. Ana.
9 EPS Ana. 		Dec 2029
12 Rev. Ana.
3 EPS Ana.
Revenue
113.34M
est: 125.26M (-9.5%)
146.19M
est: 130.88M (+11.7%)
153.58M
est: 153.37M (+0.1%)
168.65M
est: 164.04M (+2.8%)
216.27M
est: 206.50M (+4.7%)
329.86M
est: 320.50M (+2.9%)
406.94M
est: 420.12M (-3.1%)
370.32M
est: 381.24M (-2.9%)
447.95M
est: 465.16M (-3.7%)
473.47M
est: 492.94M (-3.9%)
450.21M
est: 451.60M (-0.3%)
467.80M
est: 475.28M (-1.6%)
468.70M
est: 490.66M (-4.5%)
542.50M
est: 540.37M (+0.4%)
634.04M
est: 637.60M (-0.6%)
735.36M
est: 711.15M (+3.4%)
840.86M
est: 834.54M (+0.8%)
971.97M
est: 947.87M (+2.5%)
887.36M
est: 793.44M (+11.8%)
967.00M
est: 896.50M (+7.9%)
949.63M
est: 881.61M (+7.7%)
1.00B
est: 1.13B (-11.5%)
1.04B
est: 1.04B (+0.1%)
1.14B
est: 1.08B (+5.7%)
1.14B
1.13B – 1.16B
+5.5% YoY
1.22B
1.19B – 1.26B
+7.2% YoY
1.30B
1.28B – 1.34B
+6.6% YoY
1.33B
1.31B – 1.37B
+2.4% YoY
EBITDA
-32.34M
est: 43.25M (-174.8%)
24.89M
est: -49.38M (+150.4%)
33.60M
est: 32.66M (+2.9%)
32.22M
est: 34.76M (-7.3%)
52.53M
est: 37.36M (+40.6%)
85.98M
est: 83.35M (+3.2%)
96.26M
est: 107.88M (-10.8%)
128.63M
est: 78.04M (+64.8%)
124.85M
est: 127.62M (-2.2%)
89.01M
est: 105.44M (-15.6%)
104.54M
est: 55.43M (+88.6%)
104.13M
est: 89.77M (+16.0%)
124.01M
est: 136.48M (-9.1%)
114.65M
est: 181.87M (-37.0%)
230.70M
est: 166.58M (+38.5%)
269.92M
est: 237.72M (+13.5%)
241.20M
est: 283.00M (-14.8%)
367.27M
est: 321.55M (+14.2%)
382.64M
est: 315.76M (+21.2%)
384.98M
est: 356.06M (+8.1%)
309.54M
est: 391.71M (-21.0%)
224.19M
est: 419.55M (-46.6%)
362.34M
est: 386.86M (-6.3%)
640.22M
est: 401.34M (+59.5%)
423.34M
417.54M – 431.21M
+5.5% YoY
453.66M
442.69M – 469.06M
+7.2% YoY
483.53M
474.28M – 496.36M
+6.6% YoY
495.31M
485.83M – 508.45M
+2.4% YoY
EBIT
-45.14M
est: 27.48M (-264.3%)
12.69M
est: -46.35M (+127.4%)
19.70M
est: 11.97M (+64.6%)
21.04M
est: 16.36M (+28.6%)
42.76M
est: 28.94M (+47.7%)
70.01M
est: 51.69M (+35.4%)
67.29M
est: 81.93M (-17.9%)
81.51M
est: 58.08M (+40.3%)
75.48M
est: 97.85M (-22.9%)
-9.17M
est: 78.10M (-111.7%)
44.73M
est: -1.83M (+2,541.4%)
93.50M
est: 50.62M (+84.7%)
118.20M
est: 96.53M (+22.4%)
96.76M
est: 133.02M (-27.3%)
145.11M
est: 109.96M (+32.0%)
173.84M
est: 173.40M (+0.2%)
218.77M
est: 207.33M (+5.5%)
235.42M
est: 252.71M (-6.8%)
230.72M
est: 227.74M (+1.3%)
233.03M
est: 256.80M (-9.3%)
167.75M
est: 282.52M (-40.6%)
199.38M
est: 290.17M (-31.3%)
229.76M
est: 356.17M (-35.5%)
509.99M
est: 277.57M (+83.7%)
292.79M
288.78M – 298.23M
+5.5% YoY
313.76M
306.17M – 324.41M
+7.2% YoY
334.41M
328.02M – 343.29M
+6.6% YoY
342.56M
336.01M – 351.65M
+2.4% YoY
Net Income
-49.49M
est: -20.80M (-137.9%)
10.89M
est: -51.68M (+121.1%)
15.37M
est: 12.19M (+26.0%)
18.26M
est: 16.47M (+10.8%)
34.45M
est: 23.33M (+47.6%)
64.67M
est: 53.40M (+21.1%)
65.18M
est: 84.81M (-23.2%)
68.54M
est: 58.71M (+16.7%)
61.41M
est: 83.70M (-26.6%)
-28.31M
est: 65.28M (-143.4%)
24.16M
est: -25.93M (+193.2%)
68.22M
est: 25.47M (+167.8%)
91.63M
est: 70.41M (+30.1%)
66.34M
est: 103.09M (-35.6%)
115.83M
est: 75.40M (+53.6%)
138.41M
est: 134.61M (+2.8%)
168.23M
est: 160.93M (+4.5%)
181.12M
est: 194.33M (-6.8%)
175.02M
est: 175.21M (-0.1%)
173.37M
est: 197.57M (-12.2%)
114.42M
est: 217.36M (-47.4%)
134.68M
est: 150.80M (-10.7%)
177.18M
est: 252.35M (-29.8%)
293.96M
est: 285.12M (+3.1%)
288.54M
264.50M – 335.31M
+1.2% YoY
320.84M
304.65M – 364.36M
+11.2% YoY
356.81M
313.64M – 418.58M
+11.2% YoY
409.15M
398.98M – 423.27M
+14.7% YoY
SGA
22.33M
est: 35.65M (-37.4%)
24.68M
est: 69.01M (-64.2%)
28.80M
est: 53.80M (-46.5%)
15.84M
est: 59.68M (-73.5%)
21.56M
est: 71.91M (-70.0%)
36.05M
est: 115.17M (-68.7%)
127.24M
est: 127.54M (-0.2%)
50.60M
est: 93.83M (-46.1%)
205.58M
est: 112.98M (+82.0%)
209.26M
est: 156.73M (+33.5%)
149.40M
est: 186.71M (-20.0%)
139.77M
est: 157.23M (-11.1%)
139.46M
est: 144.32M (-3.4%)
167.43M
est: 157.00M (+6.6%)
174.72M
est: 190.28M (-8.2%)
202.83M
est: 203.04M (-0.1%)
232.26M
est: 235.84M (-1.5%)
277.20M
est: 264.83M (+4.7%)
205.93M
est: 264.97M (-22.3%)
253.68M
est: 298.78M (-15.1%)
289.58M
est: 328.70M (-11.9%)
316.45M
est: 334.50M (-5.4%)
321.01M
est: 308.44M (+4.1%)
329.43M
est: 319.98M (+3.0%)
337.53M
332.90M – 343.80M
+5.5% YoY
361.70M
352.96M – 373.98M
+7.2% YoY
385.51M
378.14M – 395.74M
+6.6% YoY
394.90M
387.35M – 405.38M
+2.4% YoY
EPS
-0.95
est: -0.29 (-233.0%)
0.20
est: 0.10 (+100.5%)
0.28
est: 0.27 (+5.1%)
0.33
est: 0.23 (+40.5%)
0.60
est: 0.40 (+50.8%)
1.11
est: 0.81 (+36.7%)
1.12
est: 0.95 (+18.3%)
1.17
est: 1.17 (+0.1%)
0.98
est: 1.66 (-41.0%)
-0.41
est: 1.18 (-134.8%)
0.36
est: 0.89 (-59.6%)
0.99
est: 1.28 (-22.6%)
1.36
est: 1.48 (-8.4%)
1.01
est: 1.67 (-39.5%)
1.69
est: 2.04 (-17.2%)
1.98
est: 2.45 (-19.0%)
2.43
est: 2.96 (-17.8%)
2.57
est: 3.42 (-24.9%)
2.43
est: 3.43 (-29.1%)
2.42
est: 3.88 (-37.6%)
1.60
est: 2.79 (-42.7%)
1.87
est: 2.08 (-10.1%)
2.46
est: 3.58 (-31.2%)
4.25
est: 4.04 (+5.1%)
4.41
3.77 – 4.78
+9.0% YoY
4.87
4.34 – 5.19
+10.6% YoY
5.28
4.47 – 5.96
+8.2% YoY
5.83
5.68 – 6.03
+10.5% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-28 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-27 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-26 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-22 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-21 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-20 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-19 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-18 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-15 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-13 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-12 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-11 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-08 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-07 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-06 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-05 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-05-04 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-30 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-29 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-28 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-27 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-24 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-23 B+ 3/5 4/5 5/5 5/5 1/5 3/5 1/5
2026-04-22 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-21 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-20 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-17 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5
2026-04-16 B+ 3/5 4/5 5/5 5/5 1/5 2/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
459.62M
OE per share TTM
6.61
Owner's Yield
10.10%
Maintenance CapEx ratio
40.80%
Maint CapEx / Avg PPE
5.9%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 146 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares SMIM ETF (CH) CSSMIM.SW 1.24% 18.39M 0.45%
2 Global X - FinTech ETF FINX 1.12% 1.93M 0.68%
3 ALPS Disruptive Technologies ETF DTEC 0.98% 695.9K 0.50%
4 JPMorgan International Dynamic ETF JIDE 0.73% 189.6K 0.55%
5 First Trust Switzerland AlphaDEX Fund FSZ 0.69% 255.7K 0.80%
6 Invesco STOXX Europe 600 Optimised Technology UCITS ETF SC0X.DE 0.59% 124.9K 0.20%
7 iShares STOXX Europe Small 200 UCITS ETF (DE) EXSE.DE 0.59% 4.01M 0.20%
8 Fidelity Europe Quality Income UCITS ETF ACC-GBP (hedged) FEQP.L 0.57% 485.7K 0.35%
9 Fidelity Europe Quality Income UCITS ETF INC-EUR FEUI.L 0.57% 414.3K 0.30%
10 Fidelity Europe Quality Income UCITS ETF ACC-EUR FEQD.L 0.57% 414.3K 0.30%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
82.1K
Shares Outstanding
68.98M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Adam Snyder Director of Corporate Affairs — male
Ariel Boussiba Company Secretary — male
Barb Morgan Chief Product & Technology Officer — female
Deirdre Dempsey-Leclercq Chief Legal Officer — female
Jayde Tipper Chief People Officer — female
Kalliopi Chioti Chief ESG Officer — female
Panagiotis Spiliopoulos CEFA Interim Chief Executive Officer & Chief Financial Officer — male
Rohit Chauhan Chief Technology Officer — —
William Moroney Chief Revenue Officer — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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