Temenos AG
SIX:TEMN

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Temenos AG Logo
Temenos AG
SIX:TEMN
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Price: 58.25 CHF -0.68%
Market Cap: 4.2B CHF
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Intrinsic Value

The intrinsic value of one TEMN stock under the Base Case scenario is 58.65 CHF. Compared to the current market price of 58.25 CHF, Temenos AG is Undervalued by 1%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

TEMN Intrinsic Value
58.65 CHF
Undervaluation 1%
Intrinsic Value
Price
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Base Case
Best Case

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Temenos AG

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

Economic Moat
Temenos AG

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Temenos AG

Current Assets 506.3m
Cash & Short-Term Investments 246.7m
Receivables 259.6m
Non-Current Assets 1.8B
Long-Term Investments 14.5m
PP&E 57.8m
Intangibles 1.5B
Other Non-Current Assets 256.9m
Current Liabilities 744.8m
Accounts Payable 213.9m
Other Current Liabilities 530.9m
Non-Current Liabilities 888.5m
Long-Term Debt 745.8m
Other Non-Current Liabilities 142.7m
Efficiency

Earnings Waterfall
Temenos AG

Revenue
1.5B USD
Cost of Revenue
-353.8m USD
Gross Profit
1.1B USD
Operating Expenses
-846.4m USD
Operating Income
279.3m USD
Other Expenses
-90.1m USD
Net Income
189.3m USD

Free Cash Flow Analysis
Temenos AG

Last Value
3-Years Average
FCF Margin
Conversion Rate
Earnings Calls

In Q3 2024, Temenos reported a 9% year-over-year increase in Annual Recurring Revenue (ARR), reaching $761 million, although software licensing revenues fell to $96 million amid sales execution issues in the Middle East and Africa. Free cash flow declined by 21%, but adjusted for one-off payments, it grew 26%. Going forward, the company anticipates 5% growth in total software licensing for Q4, with full-year ARR growth guidance revised down to 11-12%. EBIT is expected to increase by 7-9%, while EPS is projected to grow 6-8% amid ongoing efficiency initiatives. Temenos remains committed to bolstering its sales force and expanding its SaaS offerings.

What is Earnings Call?
Fundamental Scores

TEMN Profitability Score
Profitability Due Diligence

Temenos AG's profitability score is 64/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Year Average ROE
Positive Gross Profit
Positive Free Cash Flow
Exceptional ROE
64/100
Profitability
Score

Temenos AG's profitability score is 64/100. The higher the profitability score, the more profitable the company is.

TEMN Solvency Score
Solvency Due Diligence

Temenos AG's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

High Interest Coverage
High Altman Z-Score
Long-Term Solvency
Average D/E
52/100
Solvency
Score

Temenos AG's solvency score is 52/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

TEMN Price Targets Summary
Temenos AG

Wall Street analysts forecast TEMN stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TEMN is 65.18 CHF with a low forecast of 50 CHF and a high forecast of 89.25 CHF.

Lowest
Price Target
50 CHF
14% Downside
Average
Price Target
65.18 CHF
12% Upside
Highest
Price Target
89.25 CHF
53% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for TEMN is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Ownership

TEMN Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
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Profile

Temenos AG Logo
Temenos AG

Country

Switzerland

Industry

Technology

Market Cap

4.3B CHF

Dividend Yield

2.06%

Description

Temenos AG is a holding company, which engages in the development, marketing, and sale of banking software systems. The company is headquartered in Geneve, Geneve and currently employs 8,661 full-time employees. The company went IPO on 2001-06-26. Its services include implementation, performance optimization, integration, administration, maintenance, upgrades, training and support for its software solutions. The company offers solutions for retail, corporate, universal, Islamic and microfinance and community banking sectors, as well as for Private Wealth Management. The firm's client base consists of mostly banking and other financial services institutions. Its core products are Temenos T24 Core Banking (T24), a front to back office, Customer Relationship Management (CRM) and product lifecycle management software platform, as well as Front Office, an integrated, role-specific, and multi-channel solution that supports banks’ daily interactions and long term relationships with their retail, corporate, mass affluent, and High-Net-Worth (HNW) customers. The company offers also funds and securities solutions.

Contact

GENEVE
Geneve
2 Rue de l'Ecole-de-Chimie
www.temenos.com

IPO

2001-06-26

Employees

8 661

Officers

Chief Executive Officer
Mr. Jean-Pierre Brulard
Chief Financial Officer
Mr. Panagiotis Spiliopoulos CEFA
President of Americas & Member of Management Board
Mr. Philip Barnett
Chief Legal Officer & Member of Management Board
Ms. Deirdre Dempsey-Leclercq
Chief Strategy Officer & Member of Management Board
Ms. Kanika Hope
Chief Security & Risk Officer
Dr. Colin Jarrett
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Chief Cloud Officer & Member of Management Board
Mr. Kamil Alachi
Chief Revenue Officer, President of International & Member of Management Board
Mr. William Moroney
Chief Product & Technology Officer
Ms. Barb Morgan
Head of Investor Relations
Mr. Adam Snyder
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See Also

Discover More
What is the Intrinsic Value of one TEMN stock?

The intrinsic value of one TEMN stock under the Base Case scenario is 58.65 CHF.

Is TEMN stock undervalued or overvalued?

Compared to the current market price of 58.25 CHF, Temenos AG is Undervalued by 1%.

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