Temenos (CH:TEMN)
:TEMN
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TEMN Stock Chart & Stats
CHF78.85
-CHF0.35(-0.48%)
At close: 4:00 PM EST
CHF78.85
-CHF0.35(-0.48%)
Day’s Range― - ―
52-Week RangeCHF55.50 - CHF87.00
Previous CloseN/A
Volume29.91K
Average Volume (3M)191.87K
Market Cap
CHF4.27B
Enterprise ValueCHF6.62B
Total Cash (Recent Filing)CHF136.67M
Total Debt (Recent Filing)CHF783.97M
Price to Earnings (P/E)19.4
Beta0.43
Next Earnings
Jul 22, 2026EPS Estimate
0.99Next Dividend Ex-DateN/A
Dividend Yield1.64%
Share Statistics
EPS (TTM)4.20
Shares Outstanding67,954,490
10 Day Avg. Volume137,839
30 Day Avg. Volume191,865
Financial Highlights & Ratios
PEG Ratio0.32
Price to Book (P/B)14.52
Price to Sales (P/S)6.07
P/FCF Ratio19.87
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
CHF88.57Price Target Upside12.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering7
EPS Forecast (FY)4.43
Revenue Forecast (FY)CHF1.16B
Bulls Say, Bears Say
Bulls Say
Cash GenerationTemenos's sustained operating cash flow (~$511M TTM) and high free cash flow (~$456M TTM, ~89% of net income) indicate durable cash conversion. This persistent FCF supports multi-year product and cloud investments, shareholder returns and debt servicing, improving financial optionality through cycles.
Recurring Revenue / ARR GrowthA 12% ARR increase to $860M and ARR comprising over 90% of product revenue signals a structural shift to predictable recurring revenue. This enhances revenue visibility, stabilizes cash flows, and supports margin sustainability and multiyear planning as the business transitions further to subscription/SaaS.
Commercial Momentum & Product LeadershipTier‑1 customer wins, geographic expansions and recognition (awards/IDC leader) validate product-market fit and competitive positioning. Combined with expanded quota-carrying sales and a U.S. innovation hub, this durable commercial capacity supports scalable growth, cross-sell and long-term market share gains.
Bears Say
High LeverageElevated leverage (TTM debt/equity ~1.69; sizable absolute debt) reduces balance-sheet cushion and increases interest and refinancing risk. Higher leverage limits financial flexibility for M&A or heavier investment pacing and magnifies downside to returns if revenue growth or cash generation weakens.
Limited Top-line MomentumRevenue roughly flat to slightly down versus prior year constrains scale economics and the ability to organically fund strategic programs. Persistent modest top-line momentum increases dependence on large renewals, upsells and new Tier‑1 deals to drive durable earnings and margin expansion.
Customer Concentration & BNPL HeadwindThe quantified one‑year hit from a BNPL client termination highlights customer concentration and timing risk. Large client losses can materially swing annual metrics and expose revenue volatility, underscoring reliance on a finite renewal pool and the importance of diversifying contract concentration over time.
Temenos News
TEMN FAQ
What was Temenos’s price range in the past 12 months?
Temenos lowest stock price was CHF55.50 and its highest was CHF87.00 in the past 12 months.
What is Temenos’s market cap?
Temenos’s market cap is CHF4.27B.
When is Temenos’s upcoming earnings report date?
Temenos’s upcoming earnings report date is Jul 22, 2026 which is in 41 days.
How were Temenos’s earnings last quarter?
Temenos released its earnings results on Feb 24, 2026. The company reported CHF0.718 earnings per share for the quarter, beating the consensus estimate of CHF0.692 by CHF0.026.
Is Temenos overvalued?
According to Wall Street analysts Temenos’s price is currently Undervalued.
Does Temenos pay dividends?
Temenos pays a Annually dividend of CHF1.4 which represents an annual dividend yield of 1.64%. See more information on Temenos dividends here
What is Temenos’s EPS estimate?
Temenos’s EPS estimate is 0.99.
How many shares outstanding does Temenos have?
Temenos has 67,954,490 shares outstanding.
What happened to Temenos’s price movement after its last earnings report?
Temenos reported an EPS of CHF0.718 in its last earnings report, beating expectations of CHF0.692. Following the earnings report the stock price went up 13.395%.
Which hedge fund is a major shareholder of Temenos?
Currently, no hedge funds are holding shares in CH:TEMN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Temenos
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.
TEMN Company Deck
TEMN Earnings Call
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized strong recurring revenue growth (ARR +13%), above‑market product revenue (+14%), robust profitability expansion (EBIT & EPS +20%), healthy free cash flow (+22%) and confirmed guidance/2028 targets. Key operational achievements include notable regional wins (Middle East & Africa), U.S. pipeline progress, AI product momentum and senior hires including a new CFO. Principal negatives were the one‑off BNPL termination headwind, a U.S. performance that is not yet translating into signed large deals, increased investment and R&D spend, and unchanged prudent guidance due to macro/geopolitical uncertainties. Overall, the positive financial and operational metrics and reconfirmed targets materially outweigh the manageable headwinds and uncertainties discussed.View all CH:TEMN earnings summariesTEMN Stock 12 Month Forecast
Average Price Target
CHF88.57
▲(12.33% Upside)
Technical Analysis
Options Prices
Currently, No data available
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