Temenos AG Logo

Temenos AG

TMSNY

(2.0)
Stock Price

70,95 USD

16.17% ROA

21.66% ROE

37.37x PER

Market Cap.

5.025.148.569,00 USD

109.66% DER

1.91% Yield

14.08% NPM

Temenos AG Stock Analysis

Temenos AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Temenos AG Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (24.61%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 ROA

This stock has a great ability to make a lot of money from the things it owns, which makes it a really good investment for smart investors.

3 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past five years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

4 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

5 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (466), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

6 PBV

The stock's elevated P/BV ratio (10.08x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

7 DER

The company has a high debt to equity ratio (145%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

8 Revenue Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

9 Net Profit Growth

This company's net profit has remained stagnant over the past five years, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

11 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

Temenos AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Temenos AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Temenos AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Temenos AG Revenue
Year Revenue Growth
2002 113.338.000
2003 146.191.000 22.47%
2004 153.575.000 4.81%
2005 168.652.000 8.94%
2006 216.267.000 22.02%
2007 329.860.000 34.44%
2008 406.937.000 18.94%
2009 370.322.000 -9.89%
2010 447.951.000 17.33%
2011 473.469.000 5.39%
2012 450.209.000 -5.17%
2013 467.802.000 3.76%
2014 468.702.000 0.19%
2015 542.503.000 13.6%
2016 634.036.000 14.44%
2017 735.363.000 13.78%
2018 840.861.000 12.55%
2019 971.970.000 13.49%
2020 887.358.000 -9.54%
2021 967.002.000 8.24%
2022 949.628.000 -1.83%
2023 946.800.000 -0.3%
2023 1.000.224.000 5.34%
2024 993.540.000 -0.67%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Temenos AG Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 82.104.000 100%
2013 82.514.000 0.5%
2014 96.256.000 14.28%
2015 196.167.000 50.93%
2016 213.793.000 8.24%
2017 243.121.000 12.06%
2018 274.375.000 11.39%
2019 319.278.000 14.06%
2020 328.657.000 2.85%
2021 339.018.000 3.06%
2022 343.211.000 1.22%
2023 0 0%
2023 336.451.000 100%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Temenos AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 22.328.000
2003 24.679.000 9.53%
2004 28.796.000 14.3%
2005 10.248.000 -180.99%
2006 14.184.000 27.75%
2007 26.527.000 46.53%
2008 127.243.000 79.15%
2009 50.596.000 -151.49%
2010 64.544.000 21.61%
2011 70.318.000 8.21%
2012 70.495.000 0.25%
2013 60.130.000 -17.24%
2014 59.038.000 -1.85%
2015 77.168.000 23.49%
2016 74.349.000 -3.79%
2017 79.194.000 6.12%
2018 87.730.000 9.73%
2019 99.752.000 12.05%
2020 70.035.000 -42.43%
2021 89.758.000 21.97%
2022 86.814.000 -3.39%
2023 87.196.000 0.44%
2023 94.347.000 7.58%
2024 125.024.000 24.54%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Temenos AG EBITDA
Year EBITDA Growth
2002 -32.339.000
2003 24.889.000 229.93%
2004 33.601.000 25.93%
2005 33.217.000 -1.16%
2006 47.477.000 30.04%
2007 85.800.000 44.67%
2008 96.264.000 10.87%
2009 128.632.000 25.16%
2010 124.847.000 -3.03%
2011 89.014.000 -40.26%
2012 113.293.000 21.43%
2013 154.459.000 26.65%
2014 176.477.000 12.48%
2015 172.385.000 -2.37%
2016 223.804.000 22.98%
2017 271.197.000 17.48%
2018 305.861.000 11.33%
2019 373.541.000 18.12%
2020 391.559.000 4.6%
2021 381.251.000 -2.7%
2022 316.380.000 -20.5%
2023 263.624.000 -20.01%
2023 538.005.000 51%
2024 398.108.000 -35.14%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Temenos AG Gross Profit
Year Gross Profit Growth
2002 75.232.000
2003 109.384.000 31.22%
2004 119.479.000 8.45%
2005 164.674.000 27.45%
2006 206.217.000 20.15%
2007 315.169.000 34.57%
2008 191.195.000 -64.84%
2009 254.303.000 24.82%
2010 447.951.000 43.23%
2011 334.528.000 -33.91%
2012 307.316.000 -8.85%
2013 327.587.000 6.19%
2014 353.308.000 7.28%
2015 384.036.000 8%
2016 442.777.000 13.27%
2017 528.460.000 16.21%
2018 611.670.000 13.6%
2019 707.490.000 13.54%
2020 588.113.000 -20.3%
2021 641.524.000 8.33%
2022 631.203.000 -1.64%
2023 514.552.000 -22.67%
2023 705.889.000 27.11%
2024 591.628.000 -19.31%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Temenos AG Net Profit
Year Net Profit Growth
2002 -49.487.000
2003 10.887.000 554.55%
2004 15.368.000 29.16%
2005 18.257.000 15.82%
2006 34.445.000 47%
2007 64.674.000 46.74%
2008 64.711.000 0.06%
2009 68.635.000 5.72%
2010 61.641.000 -11.35%
2011 -28.308.000 317.75%
2012 25.115.000 212.71%
2013 68.215.000 63.18%
2014 91.631.000 25.55%
2015 66.344.000 -38.11%
2016 115.834.000 42.72%
2017 138.406.000 16.31%
2018 168.228.000 17.73%
2019 181.121.000 7.12%
2020 175.020.000 -3.49%
2021 173.370.000 -0.95%
2022 114.420.000 -51.52%
2023 87.536.000 -30.71%
2023 134.677.000 35%
2024 148.256.000 9.16%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Temenos AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 -1
2003 0 0%
2004 0 0%
2005 0 0%
2006 1 0%
2007 1 100%
2008 1 0%
2009 1 0%
2010 1 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 100%
2015 1 0%
2016 2 0%
2017 2 0%
2018 2 50%
2019 3 0%
2020 2 0%
2021 2 0%
2022 2 -100%
2023 1 0%
2023 2 0%
2024 2 50%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Temenos AG Free Cashflow
Year Free Cashflow Growth
2002 -13.926.000
2003 14.437.000 196.46%
2004 10.537.000 -37.01%
2005 -12.571.000 183.82%
2006 4.356.000 388.59%
2007 35.518.000 87.74%
2008 43.839.000 18.98%
2009 107.919.000 59.38%
2010 116.442.000 7.32%
2011 88.853.000 -31.05%
2012 35.477.000 -150.45%
2013 111.132.000 68.08%
2014 128.491.000 13.51%
2015 160.875.000 20.13%
2016 191.051.000 15.79%
2017 226.875.000 15.79%
2018 279.552.000 18.84%
2019 268.424.000 -4.15%
2020 296.881.000 9.59%
2021 358.011.000 17.07%
2022 192.875.000 -85.62%
2023 221.722.000 13.01%
2023 27.642.000 -702.12%
2024 72.820.000 62.04%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Temenos AG Operating Cashflow
Year Operating Cashflow Growth
2002 -4.802.000
2003 16.422.000 129.24%
2004 15.934.000 -3.06%
2005 3.165.000 -403.44%
2006 25.933.000 87.8%
2007 59.010.000 56.05%
2008 53.546.000 -10.2%
2009 112.930.000 52.58%
2010 123.026.000 8.21%
2011 98.828.000 -24.48%
2012 86.978.000 -13.62%
2013 161.462.000 46.13%
2014 181.887.000 11.23%
2015 216.302.000 15.91%
2016 247.271.000 12.52%
2017 287.776.000 14.08%
2018 344.174.000 16.39%
2019 347.054.000 0.83%
2020 382.959.000 9.38%
2021 460.129.000 16.77%
2022 297.907.000 -54.45%
2023 310.305.000 4%
2023 48.924.000 -534.26%
2024 92.514.000 47.12%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Temenos AG Capital Expenditure
Year Capital Expenditure Growth
2002 9.124.000
2003 1.985.000 -359.65%
2004 5.397.000 63.22%
2005 15.736.000 65.7%
2006 21.577.000 27.07%
2007 23.492.000 8.15%
2008 9.707.000 -142.01%
2009 5.011.000 -93.71%
2010 6.584.000 23.89%
2011 9.975.000 33.99%
2012 51.501.000 80.63%
2013 50.330.000 -2.33%
2014 53.396.000 5.74%
2015 55.427.000 3.66%
2016 56.220.000 1.41%
2017 60.901.000 7.69%
2018 64.622.000 5.76%
2019 78.630.000 17.82%
2020 86.078.000 8.65%
2021 102.118.000 15.71%
2022 105.032.000 2.77%
2023 88.583.000 -18.57%
2023 21.282.000 -316.23%
2024 19.694.000 -8.06%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Temenos AG Equity
Year Equity Growth
2002 52.728.000
2003 66.195.000 20.34%
2004 84.183.000 21.37%
2005 101.027.000 16.67%
2006 136.143.000 25.79%
2007 177.436.000 23.27%
2008 204.610.000 13.28%
2009 300.969.000 32.02%
2010 492.727.000 38.92%
2011 348.181.000 -41.51%
2012 386.757.000 9.97%
2013 408.168.000 5.25%
2014 342.038.000 -19.33%
2015 375.297.000 8.86%
2016 399.139.000 5.97%
2017 379.513.000 -5.17%
2018 298.771.000 -27.02%
2019 445.080.000 32.87%
2020 523.405.000 14.96%
2021 474.788.000 -10.24%
2022 553.044.000 14.15%
2023 569.725.000 2.93%
2023 681.980.000 16.46%
2024 698.310.000 2.34%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Temenos AG Assets
Year Assets Growth
2002 122.385.000
2003 151.790.000 19.37%
2004 164.050.000 7.47%
2005 181.370.000 9.55%
2006 352.166.000 48.5%
2007 457.577.000 23.04%
2008 617.998.000 25.96%
2009 803.581.000 23.09%
2010 984.246.000 18.36%
2011 954.989.000 -3.06%
2012 902.607.000 -5.8%
2013 919.905.000 1.88%
2014 925.848.000 0.64%
2015 1.228.974.000 24.66%
2016 1.171.502.000 -4.91%
2017 1.275.283.000 8.14%
2018 1.648.380.000 22.63%
2019 2.322.401.000 29.02%
2020 2.215.691.000 -4.82%
2021 2.234.084.000 0.82%
2022 2.231.815.000 -0.1%
2023 2.202.186.000 -1.35%
2023 2.326.841.000 5.36%
2024 2.331.578.000 0.2%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Temenos AG Liabilities
Year Liabilities Growth
2002 69.657.000
2003 85.595.000 18.62%
2004 79.867.000 -7.17%
2005 80.343.000 0.59%
2006 216.023.000 62.81%
2007 280.141.000 22.89%
2008 413.388.000 32.23%
2009 502.612.000 17.75%
2010 491.519.000 -2.26%
2011 606.808.000 19%
2012 515.850.000 -17.63%
2013 511.737.000 -0.8%
2014 583.810.000 12.35%
2015 853.677.000 31.61%
2016 772.363.000 -10.53%
2017 895.770.000 13.78%
2018 1.349.609.000 33.63%
2019 1.877.321.000 28.11%
2020 1.692.286.000 -10.93%
2021 1.759.296.000 3.81%
2022 1.678.771.000 -4.8%
2023 1.632.461.000 -2.84%
2023 1.644.861.000 0.75%
2024 1.633.268.000 -0.71%

Temenos AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
13.81
Net Income per Share
1.84
Price to Earning Ratio
37.37x
Price To Sales Ratio
4.96x
POCF Ratio
22.98
PFCF Ratio
31.98
Price to Book Ratio
7.23
EV to Sales
5.53
EV Over EBITDA
16.16
EV to Operating CashFlow
25.47
EV to FreeCashFlow
35.62
Earnings Yield
0.03
FreeCashFlow Yield
0.03
Market Cap
5,03 Bil.
Enterprise Value
5,60 Bil.
Graham Number
19.87
Graham NetNet
-16.85

Income Statement Metrics

Net Income per Share
1.84
Income Quality
1.36
ROE
0.2
Return On Assets
0.06
Return On Capital Employed
0.14
Net Income per EBT
0.77
EBT Per Ebit
0.87
Ebit per Revenue
0.21
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0.33
Stock Based Compensation to Revenue
0.05
Gross Profit Margin
0.72
Operating Profit Margin
0.21
Pretax Profit Margin
0.18
Net Profit Margin
0.14

Dividends

Dividend Yield
0.02
Dividend Yield %
1.91
Payout Ratio
0.72
Dividend Per Share
1.31

Operating Metrics

Operating Cashflow per Share
3
Free CashFlow per Share
2.14
Capex to Operating CashFlow
0.29
Capex to Revenue
0.06
Capex to Depreciation
0.48
Return on Invested Capital
0.12
Return on Tangible Assets
0.16
Days Sales Outstanding
72.44
Days Payables Outstanding
193.09
Days of Inventory on Hand
0
Receivables Turnover
5.04
Payables Turnover
1.89
Inventory Turnover
0
Capex per Share
0.85

Balance Sheet

Cash per Share
3,36
Book Value per Share
9,52
Tangible Book Value per Share
-10.88
Shareholders Equity per Share
9.52
Interest Debt per Share
10.74
Debt to Equity
1.1
Debt to Assets
0.33
Net Debt to EBITDA
1.65
Current Ratio
0.68
Tangible Asset Value
-0,80 Bil.
Net Current Asset Value
-1,13 Bil.
Invested Capital
1315299000
Working Capital
-0,24 Bil.
Intangibles to Total Assets
0.64
Average Receivables
0,20 Bil.
Average Payables
0,20 Bil.
Average Inventory
0.5
Debt to Market Cap
0.15

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Temenos AG Dividends
Year Dividends Growth
2020 0
2021 1 0%
2022 1 100%
2023 1 0%
2024 1 0%

Temenos AG Profile

About Temenos AG

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.

CEO
Mr. Jean-Pierre Brulard
Employee
6.565
Address
2 Rue de L’Ecole-de-Chimie
Geneva, 1205

Temenos AG Executives & BODs

Temenos AG Executives & BODs
# Name Age
1 Mr. Kamil Alachi
Chief Cloud Officer & Member of Management Board
70
2 Dr. Colin Jarrett
Chief Security & Risk Officer
70
3 Ms. Jayde Tipper
Chief People Officer
70
4 Ms. Isabelle Guis
Chief Marketing Officer
70
5 Ms. Barb Morgan
Chief Product & Technology Officer
70
6 Mr. Adam Snyder
Head of Investor Relations
70
7 Mr. Jean-Pierre Brulard
Chief Executive Officer
70
8 Ms. Deirdre Dempsey-Leclercq
Chief Legal Officer & Member of Management Board
70
9 Mr. Panagiotis Spiliopoulos CEFA
Chief Financial Officer
70
10 Mr. William Moroney
Chief Revenue Officer, President of International & Member of Management Board
70

Temenos AG Competitors