Temenos AG
SIX:TEMN
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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:
Valuation Backtest
Temenos AG
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Fundamental Analysis
Economic Moat
Temenos AG
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Months
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Revenue & Expenses Breakdown
Temenos AG
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 |
Earnings Waterfall
Temenos AG
Revenue
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1.5B
USD
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Cost of Revenue
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-353.8m
USD
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Gross Profit
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1.1B
USD
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Operating Expenses
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-846.4m
USD
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Operating Income
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279.3m
USD
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Other Expenses
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-90.1m
USD
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Net Income
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189.3m
USD
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Free Cash Flow Analysis
Temenos AG
USD | |
Free Cash Flow | USD |
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?
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.
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.
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
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.
Dividends
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?
Ownership
TEMN Insider Trading
Buy and sell transactions by insiders
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Profile
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Dividend Yield
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.
Officers
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%.