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    Information Technology Services
Temenos AG

Temenos AG

0QOA.IL
Temenos AGGB flagInternational Order Book
75.13
CHF
+2.10
- -
4.81BMarket Cap
Temenos AG
0QOA.IL
(International Order Book)

Recent

price

75.13

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
7.12
6.83
6.53
6.82
6.95
8.25
9.23
10.52
12.12
13.81
12.33
13.48
13.25
13.9
14.51
15.78
15.25
Revenue per Share
0.98
-0.41
0.36
0.99
1.36
1.01
1.69
1.98
2.43
2.57
2.43
2.42
1.6
1.87
2.46
4.06
4.24
Basic EPS, GAAP
1.85
0.73
0.51
1.62
1.91
2.45
2.78
3.24
4.03
4.73
5.18
6.25
3.9
4.43
4.94
5
4.82
Free Cash Flow per Basic Share
- -
- -
- -
0.3
0.4
0.43
0.46
0.56
0.67
0.74
0.88
1
1.04
1.23
1.35
1.6
- -
Dividend per Share
- -
5.06
5.61
6.03
5.21
5.69
5.83
5.49
4.32
6.27
7.23
6.63
8.06
9.41
9.04
7.1
7.74
Book Value per Share
- -
-0.82
-0.7
-0.97
-1.46
-5.5
-4.25
-6.03
-10.27
-17.09
-15.8
-15.68
-13.38
-11.61
-9.08
-11.88
-11.11
Tangible Book Value per Share
63
69
69
69
67
66
69
70
69
70
72
72
72
72
72
69
71
Basic Weighted Avg Shares
448
473
450
468
469
543
634
735
841
972
887
967
950
1,000
1,044
1,091
1,084
Sales/Revenue/Turnover
16.45
-0.43
10.9
19.99
25.22
17.84
23.54
24.25
26.02
24.22
26.33
24.62
17.21
19.93
22.14
22.73
23.14
Operating Margin (%)
49
91
60
59
64
83
86
96
96
132
152
152
142
132
133
130
126
Depreciation Expense
61
-28
25
68
92
66
116
138
168
181
175
173
114
135
177
281
302
Net Income, GAAP
0.65
- -
33.44
17.23
13.83
15.03
12.32
14.01
13.91
14.79
14.3
18.03
21.61
22.1
15.47
16.53
16.22
Effective Tax Rate (%)
13.71
-5.97
5.58
14.58
19.55
12.23
18.27
18.82
20.01
18.63
19.72
17.93
12.05
13.46
16.97
25.72
27.83
Profit Margin (%)
107
108
82
75
137
84
-32
20
- -
-131
-125
-394
-481
-480
-436
-356
-539
Working Capital
88
243
204
201
279
445
269
434
706
1,074
956
749
637
570
470
792
591
LT Debt
493
348
388
408
342
375
399
380
299
445
523
475
578
682
639
478
534
Total Equity
11.55
- -
5.43
12.76
16.41
11.24
16.09
18.68
18.86
14.17
12.27
12.55
8.34
10.12
12.98
14.43
13.47
Return on Invested Capital (%)
11.96
- -
4.95
12.09
15.75
10.6
15.84
18.79
18.64
14.66
12.67
13.01
9.22
10.78
13.81
22.07
22.29
Return on Capital (%)
15.5
-6.72
6.83
17.14
24.43
18.5
29.91
35.55
49.6
48.7
36.14
34.74
21.73
21.37
26.83
50.25
48.96
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
257
265
297
LT Borrowings
451
- -
- -
LT Finance Leases
19
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
71
71
69
Market Capitalization
4,941
5,431
4,959

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
637
656
612
Cash, Cash Equivalents & STI
170
135
370
Accounts Receivable, Net
231
166
242
Inventories
- -
- -
- -
Total Current Liabilities
1,073
1,088
1,152
Payables & Accruals
- -
- -
- -
ST Debt
257
265
297
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.56%
-0.21%
-25.2%
Free Cash Flow
9.73%
1.08%
-2.64%
Net Income, GAAP
19.26%
14.54%
58.37%
Sales/Revenue/Turnover
7.55%
4.28%
4.48%
Total Cash Common Dividend
14.61%
11.88%
14.04%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
230
248
247
319
1,044
2025
232
285
315
- -
1,091
2026
253
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
- -
0.43
1.09
2.46
2025
0.41
- -
0.63
- -
4.06
2026
0.59
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.35
2025
- -
- -
- -
- -
1.6
2026
- -
- -
- -
- -
- -
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Business
Temenos AG is a global banking software company providing integrated enterprise software and cloud solutions for financial services institutions. Primary business activity centers on designing, developing, and marketing core banking software, digital banking platforms, and related financial technology services. Main Products and Services: core banking platform Temenos Transact (core banking), Temenos Infinity (digital banking and omnichannel experiences), Temenos Wealth (wealth management), Temenos Banking Cloud (cloud-based platform), Temenos Payments (payment processing and integration), Temenos Data & Analytics (data management and insights), Temenos Fintech Marketplace (ecosystem of third-party modules), Temenos Financial Crime (compliance and AML/KYC solutions), Temenos Analytics (reporting and performance analytics), Temenos Connect (interfaces and APIs for integration), Temenos Banking Studio (customization and development tooling), Temenos Marketplaces (partner and marketplace solutions), professional services and support (implementation, migration, optimization, and managed services). The company also licenses, sells, and supports application software for retail, corporate, and private banking, wealth management, risk and compliance, as well as core systems for core banking operations. Latest Major Company Changes: accelerates growth through strategic acquisitions and partnerships; expands cloud-first product strategy with continued investments in Temenos Banking Cloud and AI-enabled automation; enhances ecosystem via Temenos Marketplace partnerships and integrations with fintechs; expands geographic footprint in Europe, the Middle East, Africa, the Americas, and Asia-Pacific; reinforces capital structure through targeted funding rounds and collaborations with financial stakeholders; introduces new product capabilities in areas like payments modernization, data analytics, and financial crime compliance; reorganizations and leadership changes to bolster go-to-market execution and regional delivery capabilities. Additional Context: Industry and business segments span banking software, financial technology, and software-as-a-service for financial institutions; target markets include banks, financial institutions, and wealth managers seeking scalable, cloud-based, modular core banking and digital banking solutions; geographic operations cover multiple regions worldwide, including Europe, Middle East & Africa, the Americas, and Asia-Pacific; founded in 1987; headquartered in Zug, Switzerland; operates subsidiaries and maintains partnerships with global distributors and technology partners to serve a broad customer base across banking segments. Temenos maintains relationships with parent entities and operates a global network of regional sales and delivery teams.