Temenos AG

Temenos AG

TMSNY
Temenos AGUS flagOther OTC
83.34
USD
-0.85
- -
5.66BMarket Cap
Temenos AG
TMSNY
(Other OTC)

Recent

price

83.34

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
15.28
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
4.25
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
4.83
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
8.55
7.39
7.79
8.49
9.42
9.93
10.93
12.25
14.04
15.79
17.05
18.59
19.41
19.93
21.02
24.11
22.28
Book Value per Share
1.34
-0.82
-0.7
-0.96
-1.42
-5.51
-4.23
-5.96
-10.25
-17.23
-15.9
-15.65
-13.4
-11.69
-8.92
-11.57
-10.81
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 (%)
10.58
- -
3.92
9.55
11.48
7.64
11.38
12.35
11.68
9.83
8.8
8.49
5.81
6.97
8.75
12.42
13.86
Return on Capital (%)
12.86
-5.38
4.78
12.18
15.05
10.3
16.49
17.22
18.38
17.37
14.96
13.54
8.4
9.53
12.02
17.65
20.2
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
5,032
5,497
5,047

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
2.34
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
- -
- -
- -
- -
- -
Business
Temenos AG (TMSNY) develops and markets integrated banking software systems for financial institutions worldwide. Founded in 1993 and headquartered in Grand-Lancy, Switzerland, the company provides cloud-native, AI-driven solutions including Temenos Transact (formerly T24), a core banking platform for retail, corporate, universal, Islamic and microfinance sectors; Temenos Infinity for digital banking; Temenos Payments Hub for real-time payments processing; Temenos Wealth for portfolio management and securities trading; Temenos Financial Crime Mitigation for fraud detection and compliance; Temenos Analytics for reporting and business intelligence; Temenos Journey Manager for onboarding; Lifecycle Management Suite for loans and accounts; and Temenos for Islamic Banking, serving over 950 banks and 3,000 financial institutions across 145 countries in North America, Europe, the Middle East and Africa, Latin America, and Asia-Pacific. The company operates through Product and Services segments, with the former encompassing software licensing, subscriptions and hosting, and the latter covering implementation, consulting, training and support. In February 2025, Temenos sold its Multifonds fund administration software business to Montagu Private Equity for approximately USD 400 million to streamline its portfolio and refocus on core banking, digital and adjacent solutions under a new strategic plan outlined at its November 2024 Capital Markets Day; it also reported strong Q3 2025 results with ARR up 11% year-over-year, raised FY2025 guidance, expanded sales headcount by 50%, and advanced AI initiatives across its offerings.

Company News

APIChatGPT
  • APPS vs. TMSNY: Which Stock Is the Better Value Option?

  • Temenos AG (TMSNY) M&A Call Transcript

  • APPS vs. TMSNY: Which Stock Is the Better Value Option?

  • TEMENOS GROUP (TMSNY) Upgraded to Buy: What Does It Mean for the Stock?

  • TEMENOS GROUP (TMSNY) May Find a Bottom Soon, Here's Why You Should Buy the Stock Now

  • UK's Reliance Bank Selects Temenos SaaS to Power Digital Transformation

  • Temenos launches Composable Retail Deposits and Composable Retail Lending to Enable Progressive Core Modernization

  • TMSNY vs. NET: Which Stock Should Value Investors Buy Now?

  • Scienaptic AI Integrates with Temenos to Accelerate Smarter Lending for US Credit Unions

  • Temenos AG (TMSNY) Q1 2026 Earnings Call Transcript

  • Baird International And Global Growth Funds Q1 2026 Portfolio Activity

  • Temenos Earns the Solutions Partner with Certified Software Designation for Core Banking SaaS on Azure

  • Temenos AG (TMSNY) Q4 2025 Earnings Call Transcript

  • Peru's Mibanco selects Temenos SaaS for core banking modernization

  • TMSNY Investors Have Opportunity to Join Temenos AG Fraud Investigation with the Schall Law Firm

  • TMSNY Investors Have Opportunity to Join Temenos AG Fraud Investigation with the Schall Law Firm

  • TMSNY Investors Have Opportunity to Join Temenos AG Fraud Investigation with the Schall Law Firm

  • Temenos Named a Leader in Everest Group Peak Matrix® Assessments

  • TEMENOS GROUP (TMSNY) Upgraded to Buy: Here's Why

  • Julius Baer to replace Swiss IT system with Temenos product, sources say