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Temenos AG

Temenos AG

XSWX:TEMN
Listed4.6BTechnologySoftware - Application5,039 employees

Company Profile

Legal NameTemenos AG
CEOMr. Panagiotis Spiliopoulos CEFA
HeadquartersEsplanade de Pont-Rouge 9C
Phone41 22 708 11 50
Employees (FTE)5,039
SectorTechnology
IndustrySoftware - Application

Business Description

Temenos AG is a Switzerland-based company specializing in the development and marketing of banking software systems. Founded in 1993 in Geneva, it provides comprehensive solutions including core banking platforms like Temenos T24, which offers front-to-back office functionality, Customer Relationship Management, and product lifecycle management. The company also delivers Front Office solutions for multi-channel customer interactions across retail, corporate, mass affluent, and high-net-worth segments, alongside funds and securities offerings. Temenos AG serves over 950 core banking and 600 digital banking clients worldwide, catering to retail, corporate, universal, Islamic, microfinance, community banking, and private wealth management sectors. Its adaptable technology supports on-premises, cloud, and SaaS deployments, enabling financial institutions to innovate with AI-enhanced experiences, optimize performance, and achieve superior cost-to-income ratios. With a global presence and a workforce of approximately 6,427 employees, Temenos AG plays a pivotal role in modernizing banking operations, driving efficiencies, and fostering growth opportunities for institutions of all sizes through cutting-edge software and services.

Profitability & Growth

Profitability

Profit Margin+26.21%
Operating Margin+22.39%
Return on Equity (TTM)+53.04%
Return on Assets (TTM)+7.33%

Recent Year-End

Revenue899.7M
Revenue / Share16.30
Gross Profit665.8M
EBITDA550.3M
Diluted EPS3.38
Earnings Growth YoY+36.90%
Revenue Growth YoY+8.90%

Balance Sheet Snapshot

Total Cash (MRQ)

110.6M

Total Debt (MRQ)

632.6M

Current Ratio (MRQ)

0.48

Book Value / Share

4.89

Stock Statistics

Shares Outstanding67.3M
Float Shares50.1M
Avg Volume (10d)114.3K
Avg Volume (90d)155.6K
% Held by Insiders+25.15%
% Held by Institutions+64.85%

Valuation

Market Cap4.60B
Enterprise Value4.31B
Trailing P/E20.43
Forward P/E16.74
PEG Ratio-0.45
Price / Sales (TTM)4.18
Price / Book (MRQ)14.11
EV / Revenue4.79
EV / EBITDA18.44

Price Summary

52-Week Low58.50
52-Week High87.00
50-Day MA68.70
200-Day MA71.36
Beta0.58

Dividends

Forward Div Rate5.60
Forward Div Yield+8.21%
Trailing Div Rate1.40
5Y Avg Div Yield+157.00%
Payout Ratio+37.83%
Dividend Date2025-05-19
Ex-Dividend Date2026-05-18