Temenos AG
SIX:TEMN

Watchlist Manager
Temenos AG Logo
Temenos AG
SIX:TEMN
Watchlist
Price: 59.4 CHF -0.92%
Market Cap: 4.3B CHF
Have any thoughts about
Temenos AG?
Write Note

Intrinsic Value

The intrinsic value of one TEMN stock under the Base Case scenario is 58.23 CHF. Compared to the current market price of 59.4 CHF, Temenos AG is Overvalued by 2%.

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

TEMN Intrinsic Value
58.23 CHF
Overvaluation 2%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Temenos AG

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
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.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for TEMN cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about TEMN?
Bearish
Neutral
Bullish
Discover Undervalued Stocks
Technology Industry

Fundamental Analysis

Risks & Rewards

 

 

 

 

View All Risks & Rewards
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Notes
AI Assistant
AI Assistant
Ask me anything about Temenos AG

Provide an overview of the primary business activities
of Temenos AG.

What unique competitive advantages
does Temenos AG hold over its rivals?

What risks and challenges
does Temenos AG face in the near future?

Has there been any significant insider trading activity
in Temenos AG recently?

Summarize the latest earnings call
of Temenos AG.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Temenos AG.

Provide P/S
for Temenos AG.

Provide P/E
for Temenos AG.

Provide P/OCF
for Temenos AG.

Provide P/FCFE
for Temenos AG.

Provide P/B
for Temenos AG.

Provide EV/S
for Temenos AG.

Provide EV/GP
for Temenos AG.

Provide EV/EBITDA
for Temenos AG.

Provide EV/EBIT
for Temenos AG.

Provide EV/OCF
for Temenos AG.

Provide EV/FCFF
for Temenos AG.

Provide EV/IC
for Temenos AG.

Show me price targets
for Temenos AG made by professional analysts.

What are the Revenue projections
for Temenos AG?

How accurate were the past Revenue estimates
for Temenos AG?

What are the Net Income projections
for Temenos AG?

How accurate were the past Net Income estimates
for Temenos AG?

What are the EPS projections
for Temenos AG?

How accurate were the past EPS estimates
for Temenos AG?

What are the EBIT projections
for Temenos AG?

How accurate were the past EBIT estimates
for Temenos AG?

Compare the revenue forecasts
for Temenos AG with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Temenos AG and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Temenos AG against its competitors.

Analyze the profit margins
(gross, operating, and net) of Temenos AG compared to its peers.

Compare the P/E ratios
of Temenos AG against its peers.

Discuss the investment returns and shareholder value creation
comparing Temenos AG with its peers.

Analyze the financial leverage
of Temenos AG compared to its main competitors.

Show all profitability ratios
for Temenos AG.

Provide ROE
for Temenos AG.

Provide ROA
for Temenos AG.

Provide ROIC
for Temenos AG.

Provide ROCE
for Temenos AG.

Provide Gross Margin
for Temenos AG.

Provide Operating Margin
for Temenos AG.

Provide Net Margin
for Temenos AG.

Provide FCF Margin
for Temenos AG.

Show all solvency ratios
for Temenos AG.

Provide D/E Ratio
for Temenos AG.

Provide D/A Ratio
for Temenos AG.

Provide Interest Coverage Ratio
for Temenos AG.

Provide Altman Z-Score Ratio
for Temenos AG.

Provide Quick Ratio
for Temenos AG.

Provide Current Ratio
for Temenos AG.

Provide Cash Ratio
for Temenos AG.

What is the historical Revenue growth
over the last 5 years for Temenos AG?

What is the historical Net Income growth
over the last 5 years for Temenos AG?

What is the current Free Cash Flow
of Temenos AG?

Discuss the annual earnings per share (EPS)
trend over the past five years for Temenos AG.

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
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 65.74 CHF with a low forecast of 51.78 CHF and a high forecast of 90.3 CHF.

Lowest
Price Target
51.78 CHF
13% Downside
Average
Price Target
65.74 CHF
11% Upside
Highest
Price Target
90.3 CHF
52% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for TEMN?

Click here to dive deeper.

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
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest
Debt Paydown Yield
Lowest
Average
Highest

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
Why is insider trading important?

Profile

Temenos AG Logo
Temenos AG

Country

Switzerland

Industry

Technology

Market Cap

4.3B CHF

Dividend Yield

2.02%

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
Show More
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
Show Less

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 58.23 CHF.

Is TEMN stock undervalued or overvalued?

Compared to the current market price of 59.4 CHF, Temenos AG is Overvalued by 2%.

Back to Top