YOLFTbeta
Temenos AG

Temenos AG

0QOA · LSE

79.43GBP+0.30 (+0.38%)

Price History

Full chart

Market Stats

Previous Close79.13
Open79.43
Day Range67.30 – 79.43
52-Week Range59.20 – 87.28
Volume2
Market Cap5.15B
P/E (TTM)0.31
Forward P/E0.00
EPS2.41
Dividend Yield0.02%
Beta0.59
50-Day Avg69.09
200-Day Avg67.26

About

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial services institutions in North America, Europe, the Middle East and Africa, Latin America, and the Asia-Pacific. It operates through two segments, The Product and Service. The Product segment is primarily engaged in marketing, licensing and maintaining the Group's software solutions, including software development fees for requested functionality, as well as providing hosting and subscription arrangements. The Services segment represents various implementation tasks, such as consulting and training. It also offers retail and business; corporate and commercial; and wealth management solutions. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. Temenos AG was founded in 1993 and is headquartered in Lancy, Switzerland.

Company Details

  • CEOMr. Panagiotis Spiliopoulos CEFA
  • Employees5.04K
  • HeadquartersEsplanade de Pont-Rouge 9C, Lancy, Switzerland, 1212, UK
  • Websitehttps://www.temenos.com

Leadership

  • Mr. Panagiotis Spiliopoulos CEFAChief Executive Officer · b. 1970
  • Mr. Daniel SchmuckiChief Financial Officer · b. 1968
  • Rohit ChauhanChief Technology Officer
  • Michael SonneChief Information Officer
  • Ms. Deirdre Dempsey-LeclercqChief Legal Officer · b. 1971
  • Ms. Jayde TipperChief People Officer · b. 1983
  • Ms. Kalliopi ChiotiChief ESG Officer · b. 1974
  • Mr. Ganesan SriramanGlobal Head of Product Engineering · b. 1976
  • Mr. William MoroneyChief Revenue Officer · b. 1975
  • Mr. Cormac FlanaganChief Product Officer

Financials

Income Statement

Currency: GBP2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue113.34M146.19M153.57M168.65M216.27M329.86M406.94M370.32M447.95M473.47M412.18M416.58M465.59M543.16M645.66M716.49M826.48M971.97M887.36M967.00M949.63M1.00B1.04B1.14B
Growth (%)-+28.99%+5.05%+9.82%+28.23%+52.52%+23.37%-9.00%+20.96%+5.70%-12.94%+1.07%+11.77%+16.66%+18.87%+10.97%+15.35%+17.60%-8.71%+8.98%-1.80%+5.33%+4.39%+9.45%
Cost of Revenue38.11M36.81M34.10M3.98M10.05M14.69M215.74M116.02M--130.82M124.86M114.63M158.66M196.32M203.12M225.27M264.48M319.76M324.01M317.65M291.13M291.70M303.31M
Gross Profit75.23M109.38M119.48M164.67M206.22M315.17M191.19M254.30M447.95M473.47M281.36M291.72M350.96M384.50M449.35M513.37M601.21M707.49M567.60M642.99M631.98M709.09M752.41M839.42M
Gross Margin66.38%74.82%77.80%97.64%95.35%95.55%46.98%68.67%100.00%100.00%68.26%70.03%75.38%70.79%69.59%71.65%72.74%72.79%63.96%66.49%66.55%70.89%72.06%73.46%
Operating Expense119.64M98.66M104.15M141.93M172.90M252.67M127.24M174.07M374.26M475.51M236.43M208.46M233.55M287.63M298.94M341.17M386.18M472.07M354.51M403.44M467.82M509.71M521.19M329.43M
Operating Income-44.41M10.72M15.32M22.75M33.31M62.50M63.95M80.23M73.69M-2.05M44.93M83.26M117.41M96.87M150.41M172.20M215.03M235.42M213.09M239.55M164.16M199.38M231.21M509.99M
Operating Margin-39.18%7.33%9.98%13.49%15.40%18.95%15.72%21.67%16.45%-0.43%10.90%19.99%25.22%17.84%23.30%24.03%26.02%24.22%24.01%24.77%17.29%19.93%22.14%44.63%
EBITDA-32.34M24.89M33.60M32.22M52.53M85.98M96.26M128.63M124.85M89.01M57.33M92.73M123.19M114.79M170.43M192.81M237.07M265.60M250.70M269.30M189.48M224.19M362.34M640.22M
EBITDA Margin-28.53%17.02%21.88%19.11%24.29%26.07%23.66%34.74%27.87%18.80%13.91%22.26%26.46%21.13%26.40%26.91%28.68%27.33%28.25%27.85%19.95%22.41%34.70%56.03%
Net Income-49.49M10.89M15.37M18.26M34.45M64.67M65.18M68.54M61.41M-28.31M22.99M60.75M91.02M66.42M117.96M134.85M165.35M181.12M175.02M173.37M114.42M134.68M177.18M293.96M
Net Income Margin-43.66%7.45%10.01%10.83%15.93%19.61%16.02%18.51%13.71%-5.98%5.58%14.58%19.55%12.23%18.27%18.82%20.01%18.63%19.72%17.93%12.05%13.46%16.97%25.72%
R&D----------75.17M73.48M95.62M196.40M217.71M236.88M269.68M319.28M328.66M339.02M343.21M336.45M346.39M-
R&D as % of Total Revenue----------18.24%17.64%20.54%36.16%33.72%33.06%32.63%32.85%37.04%35.06%36.14%33.64%33.18%-
Interest Expense--2.10M805.00K4.14M5.21M9.12M12.66M13.67M14.51M7.00M6.91M8.39M17.01M16.77M16.44M23.90M27.14M26.49M21.51M27.04M25.33M20.51M18.66M
Interest Expense % of Total Revenue--1.37%0.48%1.92%1.58%2.24%3.42%3.05%3.06%1.70%1.66%1.80%3.13%2.60%2.29%2.89%2.79%2.99%2.22%2.85%2.53%1.96%1.63%

Balance Sheet

Currency: GBP2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets122.39M151.79M164.05M181.37M352.17M457.58M618.00M803.58M984.25M954.99M826.41M817.74M919.70M1.23B1.19B1.24B1.62B2.33B2.22B2.23B2.23B2.33B2.28B2.25B
Total Liabilities69.66M85.59M79.87M80.34M216.02M280.14M413.39M502.61M491.52M606.81M471.39M454.27M579.93M854.71M786.53M872.78M1.33B1.89B1.69B1.76B1.65B1.64B1.64B1.77B
Total Equity52.73M66.16M83.46M100.63M135.81M177.10M203.87M300.31M492.22M348.18M355.02M363.47M339.77M375.75M406.46M369.77M293.66M445.08M523.40M474.79M578.38M681.98M638.97M477.66M
Cash23.99M31.74M30.79M15.58M111.37M93.06M65.60M142.65M160.27M154.95M107.79M102.99M191.33M193.49M197.90M163.55M282.52M152.78M110.19M139.32M89.92M106.89M114.15M203.40M
Total Debt5.18M15.16M224.00K-105.46M118.17M186.45M273.59M182.62M253.75M214.36M213.09M292.09M460.45M371.96M440.18M814.08M1.16B961.41M945.40M828.64M752.06M726.72M808.42M
Net Debt-18.81M-16.58M-30.56M-15.58M-5.91M25.11M120.85M130.94M22.35M98.80M-107.79M-102.99M-191.33M-193.49M-197.90M-163.55M-282.52M1.01B851.22M806.08M738.72M645.17M612.57M605.01M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-4.80M16.42M15.93M3.17M25.93M59.01M53.55M112.93M123.03M98.83M79.63M161.46M181.89M216.30M247.27M287.78M344.17M335.82M339.04M419.78M275.44M331.03M363.35M354.33M
Investing Cash Flow-16.34M-5.76M-12.21M-17.80M-19.96M-44.52M-105.35M-110.95M-110.88M-49.67M-71.45M-68.89M-47.87M-351.21M-51.34M-111.22M-324.21M-681.30M-47.74M-131.53M-137.12M-84.19M-71.18M228.49M
Financing Cash Flow-20.88M-4.50M-5.12M246.00K89.15M-35.28M25.97M74.30M4.24M-52.72M-43.22M-94.74M-50.72M138.67M-192.56M-212.15M101.00M192.37M-337.56M-270.01M-192.29M-235.62M-279.25M-511.44M
Capital Expenditure9.12M1.99M5.40M15.74M21.58M23.49M9.71M5.01M6.58M9.97M5.07M3.33M5.87M6.19M6.14M5.79M8.30M9.67M6.14M7.44M15.13M9.74M78.48M5.28M
Free Cash Flow-13.93M14.44M10.54M-12.57M4.36M35.52M43.84M107.92M116.44M88.85M74.56M158.13M176.02M210.12M241.13M281.99M335.87M326.15M332.90M412.33M260.32M321.29M284.87M349.05M
Dividends Paid-----------20.40M26.63M28.61M31.73M39.51M46.13M50.67M56.09M65.16M68.79M88.27M96.94M115.81M
FCF to OCF290.00%87.91%66.13%-397.19%16.80%60.19%81.87%95.56%94.65%89.91%93.63%97.94%96.78%97.14%97.52%97.99%97.59%97.12%98.19%98.23%94.51%97.06%78.40%98.51%
Dividend Paid to FCF-----------12.90%15.13%13.61%13.16%14.01%13.74%15.53%16.85%15.80%26.43%27.47%34.03%33.18%

Earnings

Report DateMar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Mar 31, 2023Jun 30, 2023Sep 30, 2023Feb 20, 2024Apr 23, 2024Jul 23, 2024Oct 23, 2024Dec 31, 2024Apr 22, 2025Jun 30, 2025Oct 28, 2025Dec 31, 2025Apr 21, 2026Oct 27, 2026
EPS Estimate----------------------------------------------0.77-0.871.13
EPS Actual0.150.180.230.680.010.100.290.540.090.280.450.770.170.340.530.840.220.450.640.990.340.620.670.840.040.570.521.080.260.590.360.990.350.490.030.640.390.480.270.540.380.450.370.410.361.920.510.500.45-
Surprise-----------------------------------------------33.17%--47.76%-
Timing---------------------------------------Pre-marketAfter-hoursAfter-hoursAfter-hours-After-hours-After-hours-After-hoursAfter-hours

Key Statistics & Ratios

Market Cap5.15B
Enterprise Value5.07B
Trailing P/E0.31
Forward P/E0.00
Price / Sales4.63
Price / Book0.00
EPS2.41
Book Value4.65
Revenue (TTM)1.11B
Gross Profit (TTM)823.07M
EBITDA298.02M
Profit Margin17.50%
Operating Margin32.18%
Return on Equity42.80%
Return on Assets7.54%
Shares Outstanding68.86M
Shares Float49.95M
Beta0.59
Dividend Yield0.02%
Dividend Rate0.00
Payout Ratio0.96%

Dividends

20261×
0.01May 18, 2026
20251×
0.01May 15, 2025
20241×
0.01May 10, 2024
20231×
0.01May 5, 2023
20221×
0.01May 30, 2022
20211×
0.00May 25, 2021
20201×
0.00May 22, 2020
20191×
0.01May 17, 2019
20181×
0.01May 18, 2018
20171×
0.01May 15, 2017
20161×
0.00May 13, 2016
20151×
0.00May 11, 2015
20141×
0.00Jun 2, 2014