Temenos AG

$ 65.20 0.85 %

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.

CEO: Panagiotis Spiliopoulos - https://www.temenos.com

Price objectif

-

Recommandation

Buy

DCF

$ 89.53

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TEMN.SW vs S&P500

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Quick ratio

0.48

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

19.52

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.34

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

62.76 %

is generally considered excellent, indicating that the company is generating strong profits with its equity.

ROIC

33.33 %

generates a return higher than the cost of its capital, thereby creating value for its investors.

WACC

6.48

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

1.89

means it relies more on debt, which can increase financial risk.

Free cash flow per share

6.77

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

39.67 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
3.88 indicates good financial health and low risk of bankruptcy
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Cash / Debt

Cash Ratio
0.15 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.36 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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