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Temenos Group AG

Temenos Group AG

TEMN · SW · Technology / Software - Application

80.10CHF+0.80 (+1.01%)

Price History

Full chart

Market Stats

Previous Close79.30
Open79.40
Day Range79.10 – 80.35
52-Week Range59.20 – 85.30
Volume98.20K
Market Cap4.58B
P/E (TTM)29.54
Forward P/E16.08
EPS2.28
Dividend Yield2.08%
Beta0.59
50-Day Avg70.40
200-Day Avg71.08

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

  • SectorTechnology
  • IndustrySoftware - Application
  • CEOMr. Panagiotis Spiliopoulos CEFA
  • Employees5.04K
  • HeadquartersEsplanade de Pont-Rouge 9C, Lancy, Switzerland, 1212, Switzerland
  • 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: 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
Total Revenue113.34M146.19M153.57M168.65M216.27M329.86M406.94M370.32M447.95M473.47M450.21M467.80M468.70M542.50M634.04M735.36M840.86M971.97M887.36M967.00M949.63M1.00B1.04B1.14B
Growth (%)-+28.99%+5.05%+9.82%+28.23%+52.52%+23.37%-9.00%+20.96%+5.70%-4.91%+3.91%+0.19%+15.75%+16.87%+15.98%+14.35%+15.59%-8.71%+8.98%-1.80%+5.33%+4.39%+9.45%
Cost of Revenue38.11M36.81M34.10M3.98M10.05M14.69M215.74M116.02M--142.89M140.22M115.39M158.47M191.26M206.90M229.19M264.48M299.25M325.48M318.43M291.13M291.70M303.31M
Gross Profit75.23M109.38M119.48M164.67M206.22M315.17M191.19M254.30M447.95M473.47M307.32M327.59M353.31M384.04M442.78M528.46M611.67M707.49M588.11M641.52M631.20M709.09M752.41M839.42M
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%69.83%71.86%72.74%72.79%66.28%66.34%66.47%70.89%72.06%73.46%
Operating Expense119.64M98.66M104.15M141.93M172.90M252.67M127.24M174.07M374.26M475.51M259.20M234.09M235.11M287.28M293.55M350.15M392.90M472.07M354.51M403.44M467.82M509.71M521.19M329.43M
Operating Income-44.41M10.72M15.32M22.75M33.31M62.50M63.95M80.23M73.69M-2.05M48.12M93.50M118.19M96.76M149.22M178.31M218.77M235.42M233.60M238.08M163.38M199.38M231.21M509.99M
Operating Margin-39.18%7.33%9.98%13.49%15.40%18.95%15.72%21.67%16.45%-0.43%10.69%19.99%25.22%17.84%23.54%24.25%26.02%24.22%26.33%24.62%17.21%19.93%22.14%44.63%
EBITDA-32.34M24.89M33.60M32.22M52.53M85.98M96.26M128.63M124.85M89.01M104.54M104.13M124.01M114.65M230.70M269.92M241.20M367.27M382.63M384.98M309.54M224.19M362.34M640.22M
EBITDA Margin-28.53%17.02%21.88%19.11%24.29%26.07%23.66%34.74%27.87%18.80%23.22%22.26%26.46%21.13%36.39%36.71%28.68%37.79%43.12%39.81%32.60%22.41%34.70%56.03%
Net Income-49.49M10.89M15.37M18.26M34.45M64.67M65.18M68.54M61.41M-28.31M24.16M68.22M91.63M66.34M115.83M138.41M168.23M181.12M175.02M173.37M114.42M134.68M177.18M293.96M
Net Income Margin-43.66%7.45%10.01%10.83%15.93%19.61%16.02%18.51%13.71%-5.98%5.37%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----------82.10M82.51M96.26M196.17M213.79M243.12M274.38M319.28M328.66M339.02M343.21M336.45M346.39M-
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 Expense002.10M805.00K4.14M5.21M9.12M12.66M13.67M14.51M7.00M6.91M8.39M17.01M16.77M16.44M23.90M27.14M26.49M21.51M27.04M25.33M20.51M18.66M
Interest Expense % of Total Revenue0.00%0.00%1.37%0.48%1.92%1.58%2.24%3.42%3.05%3.06%1.56%1.48%1.79%3.14%2.64%2.23%2.84%2.79%2.99%2.22%2.85%2.53%1.96%1.63%

Balance Sheet

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
Total Assets122.39M151.79M164.05M181.37M352.17M457.58M618.00M803.58M984.25M954.99M902.61M919.90M925.85M1.23B1.17B1.28B1.65B2.32B2.22B2.23B2.23B2.33B2.28B2.25B
Total Liabilities69.66M85.59M79.87M80.34M216.02M280.14M413.39M502.61M491.52M606.81M515.85M511.74M583.81M853.68M772.36M895.77M1.35B1.88B1.69B1.76B1.68B1.64B1.64B1.77B
Total Equity52.73M66.16M83.46M100.63M135.81M177.10M203.87M300.31M492.22M348.18M386.76M408.17M342.04M375.30M399.14M379.51M298.77M445.08M523.40M474.79M578.38M681.98M638.97M477.66M
Cash23.99M31.74M30.79M15.58M111.37M93.06M65.60M142.65M160.27M154.95M117.73M115.65M192.61M193.25M194.34M167.85M287.44M152.78M110.19M139.32M89.92M106.89M114.15M203.40M
Total Debt5.18M15.16M224.00K-105.46M118.17M186.45M273.59M182.62M253.75M214.36M213.09M292.09M460.45M371.96M440.18M814.08M1.17B977.86M959.86M840.80M764.68M726.72M808.42M
Net Debt-18.81M-16.58M-30.56M-15.58M-5.91M25.11M120.85M130.94M22.35M98.80M96.63M97.44M99.48M267.20M177.62M272.33M526.64M1.02B867.66M820.54M750.88M657.79M612.57M605.01M

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-4.80M16.42M15.93M3.17M25.93M59.01M53.55M112.93M123.03M98.83M86.98M161.46M181.89M216.30M247.27M287.78M344.17M347.05M382.96M460.13M297.91M331.03M363.35M354.33M
Investing Cash Flow-16.34M-5.76M-12.21M-17.80M-19.96M-44.52M-105.35M-110.95M-110.88M-49.67M-78.04M-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-47.21M-94.74M-50.72M138.67M-192.56M-212.15M101.00M198.80M-381.29M-295.96M-207.97M-235.62M-279.25M-511.44M
Capital Expenditure9.12M1.99M5.40M15.74M21.58M23.49M9.71M5.01M6.58M9.97M51.50M50.33M53.40M55.43M56.22M60.90M64.62M78.63M86.08M102.12M105.03M88.58M78.48M5.28M
Free Cash Flow-13.93M14.44M10.54M-12.57M4.36M35.52M43.84M107.92M116.44M88.85M35.48M111.13M128.49M160.88M191.05M226.88M279.55M268.42M296.88M358.01M192.88M242.45M284.87M349.05M
Dividends Paid-----------20.40M26.63M28.61M31.73M39.51M46.13M52.36M63.35M71.43M74.41M88.27M96.94M115.81M
FCF to OCF290.00%87.91%66.13%-397.19%16.80%60.19%81.87%95.56%94.65%89.91%40.79%68.83%70.64%74.38%77.26%78.84%81.22%77.34%77.52%77.81%64.74%73.24%78.40%98.51%
Dividend Paid to FCF-----------18.36%20.73%17.78%16.61%17.41%16.50%19.51%21.34%19.95%38.58%36.41%34.03%33.18%

Earnings

Report DateMar 31, 2003Jun 30, 2003Sep 30, 2003Oct 27, 2004Dec 31, 2004Apr 27, 2005Aug 3, 2005Oct 26, 2005May 3, 2006Jul 26, 2006Nov 1, 2006Feb 28, 2007Jul 25, 2007Oct 31, 2007Apr 22, 2008Jul 30, 2008Oct 22, 2008Feb 18, 2009Jul 29, 2009Oct 21, 2009Feb 17, 2010Apr 29, 2010Jul 28, 2010Oct 27, 2010Feb 16, 2011Apr 19, 2011Jul 27, 2011Oct 13, 2011Feb 22, 2012Apr 24, 2012Jul 25, 2012Oct 24, 2012Feb 26, 2013Apr 23, 2013Jul 29, 2013Oct 22, 2013Feb 18, 2014Apr 29, 2014Jul 28, 2014Oct 21, 2014Feb 10, 2015Apr 21, 2015Jul 21, 2015Oct 20, 2015Feb 11, 2016Apr 19, 2016Jul 20, 2016Oct 19, 2016Feb 14, 2017Apr 20, 2017Jul 19, 2017Oct 17, 2017Feb 13, 2018Apr 17, 2018Jul 17, 2018Oct 16, 2018Feb 11, 2019Apr 16, 2019Jul 16, 2019Oct 15, 2019Feb 11, 2020Apr 14, 2020Jul 14, 2020Oct 15, 2020Feb 16, 2021Apr 20, 2021Jul 20, 2021Oct 14, 2021Feb 14, 2022Apr 22, 2022Jul 20, 2022Oct 19, 2022Feb 20, 2023Apr 24, 2023Jul 19, 2023Oct 23, 2023Feb 19, 2024Apr 22, 2024Jul 23, 2024Oct 22, 2024Feb 17, 2025Apr 22, 2025Jul 21, 2025Oct 28, 2025Feb 24, 2026Apr 22, 2026Jul 22, 2026Oct 27, 2026
EPS Estimate---0.03-0.010.080.050.010.050.080.320.130.130.120.170.150.650.170.230.60-0.260.330.730.120.190.24-0.030.140.250.52-0.220.270.540.190.240.300.680.270.330.420.710.230.390.550.810.260.480.660.980.360.630.781.110.450.750.831.200.610.530.961.390.610.830.891.510.620.900.871.010.560.760.520.970.720.860.651.050.800.950.771.220.871.291.14
EPS Actual0.030.040.070.010.160.000.030.060.010.15-0.010.410.100.160.120.150.080.710.160.340.560.010.180.360.61-0.150.210.19-0.11-0.050.050.220.610.050.190.280.630.200.230.280.740.180.360.490.730.210.420.580.880.270.520.681.000.400.640.801.150.520.800.901.280.390.700.901.440.580.890.921.420.630.830.380.990.690.870.611.030.730.940.761.510.811.270.931.330.901.31-
Surprise----66.67%--98.00%-62.50%20.00%0.00%200.00%-112.50%28.13%-23.08%23.08%0.00%-11.76%-46.67%9.23%-5.88%47.83%-6.67%--30.77%9.09%-16.44%-225.00%10.53%-20.83%--266.67%-64.29%-12.00%17.31%--13.64%3.70%16.67%5.26%-4.17%-6.67%8.82%-33.33%9.09%16.67%2.82%-8.70%7.69%5.45%8.64%3.85%8.33%3.03%2.04%11.11%1.59%2.56%3.60%15.56%6.67%8.43%6.67%-36.07%32.08%-6.25%3.60%-4.92%7.23%3.37%-5.96%1.61%-7.78%-56.32%-1.98%23.21%14.47%17.31%6.19%1.39%9.30%16.92%43.81%1.82%33.68%20.78%9.02%3.88%1.55%-
Timing---Pre-market--------Pre-marketPre-marketPre-market-Pre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursPre-marketAfter-hours-After-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-market-Pre-marketAfter-hours

Key Statistics & Ratios

Market Cap4.58B
Enterprise Value5.20B
Trailing P/E29.54
Forward P/E16.08
PEG Ratio2.82
Price / Sales4.13
Price / Book15.28
EPS2.28
Book Value4.67
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 Outstanding67.96M
Shares Float49.95M
Beta0.59
Dividend Yield2.08%
Dividend Rate1.40
Payout Ratio31.32%

Dividends

20261×
1.40May 18, 2026
20251×
1.30May 15, 2025
20241×
1.20May 10, 2024
20231×
1.10May 5, 2023
20221×
1.00May 30, 2022
20211×
0.30May 25, 2021
20201×
0.42May 22, 2020
20191×
0.75May 17, 2019
20181×
0.65May 18, 2018
20171×
0.55May 15, 2017
20161×
0.45May 13, 2016
20151×
0.40May 11, 2015
20141×
0.35Jun 2, 2014
20131×
0.28May 28, 2013