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Overview
Profile

Temenos Company

TEMN.SW
CH0012453913
676682

Price

73.42
Today +/-
+0.08
Today %
+0.11 %
P

Temenos stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Temenos stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Temenos stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Temenos stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Temenos's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Temenos Stock Price History

DateTemenos Price
10/17/202473.42 undefined
10/16/202473.34 undefined
10/15/202473.51 undefined
10/14/202473.69 undefined
10/11/202472.71 undefined
10/10/202472.65 undefined
10/9/202471.38 undefined
10/8/202468.25 undefined
10/7/202468.43 undefined
10/4/202468.37 undefined
10/3/202468.14 undefined
10/2/202467.39 undefined
10/1/202466.87 undefined
9/30/202468.43 undefined
9/27/202468.66 undefined
9/26/202467.04 undefined
9/25/202466.41 undefined
9/24/202467.73 undefined
9/23/202467.10 undefined
9/20/202467.16 undefined
9/19/202469.06 undefined

Temenos Revenue, EBIT, Net Income

  • 3 years

  • 5 years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Temenos, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Temenos from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Temenos’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Temenos. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Temenos’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Temenos’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Temenos’s growth potential.

Temenos Revenue, EBIT and net profit per share

DateTemenos RevenueTemenos EBITTemenos Net Income
2029e1.93 B undefined0 undefined0 undefined
2028e1.76 B undefined0 undefined0 undefined
2027e1.37 B undefined0 undefined238.94 M undefined
2026e1.23 B undefined370.98 M undefined297.74 M undefined
2025e1.14 B undefined336.1 M undefined279.51 M undefined
2024e1.07 B undefined305.46 M undefined256.23 M undefined
20231 B undefined199.38 M undefined134.68 M undefined
2022949.63 M undefined163.39 M undefined114.42 M undefined
2021967 M undefined238.08 M undefined173.37 M undefined
2020887.36 M undefined233.6 M undefined175.02 M undefined
2019971.97 M undefined235.42 M undefined181.12 M undefined
2018840.86 M undefined218.77 M undefined168.23 M undefined
2017735.36 M undefined178.31 M undefined138.41 M undefined
2016634.04 M undefined149.22 M undefined115.83 M undefined
2015542.5 M undefined96.76 M undefined66.34 M undefined
2014468.7 M undefined118.2 M undefined91.6 M undefined
2013467.8 M undefined93.5 M undefined68.2 M undefined
2012450.2 M undefined48.1 M undefined24.2 M undefined
2011473.5 M undefined-2 M undefined-28.3 M undefined
2010448 M undefined73.7 M undefined61.6 M undefined
2009370.3 M undefined80.2 M undefined68.6 M undefined
2008406.9 M undefined64 M undefined64.7 M undefined
2007329.9 M undefined62.5 M undefined64.7 M undefined
2006216.3 M undefined33.3 M undefined34.4 M undefined
2005168.7 M undefined22.7 M undefined18.3 M undefined
2004153.6 M undefined15.3 M undefined15.4 M undefined

Temenos Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (M)EBIT MARGIN (%)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e2029e
0.040.030.10.140.110.150.150.170.220.330.410.370.450.470.450.470.470.540.630.740.840.970.890.970.9511.071.141.231.371.761.93
--34.88239.2947.37-19.2929.204.799.8028.5752.3123.40-8.8721.085.58-4.863.780.2115.8116.9715.9314.2915.60-8.659.02-1.865.377.106.827.2611.4928.369.79
88.3735.7162.1162.1450.4461.6464.7161.3165.2870.5265.5271.6269.2067.8668.2270.0275.4370.8569.7271.8472.7472.8166.2966.2966.4970.90------
38105987579099103141232266265310321307327353384442528611707588641631709000000
531515-441015223362648073-2489311896149178218235233238163199305336370000
11.6310.7115.7910.71-38.946.859.8013.1015.2818.8415.7621.6216.29-0.4210.6719.9125.2117.7123.5024.2225.9524.2026.2724.6117.1819.9028.4829.3730.15---
42105-491015183464646861-282468916611513816818117517311413425627929723800
--50.00400.00-50.00-1,080.00-120.4150.0020.0088.8988.24-6.25-10.29-145.90-185.71183.3333.82-27.4774.2420.0021.747.74-3.31-1.14-34.1017.5491.048.986.45-19.87--
--------------------------------
--------------------------------
46.650.656.848.65256.358.257.860.369.469.169.573.268.969.769.769.570.0872.0372.9472.9673.4973.2372.3871.9672.63000000
--------------------------------
Details

Keystats

Revenue and Growth

The Temenos Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Temenos is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (M)GOODWILL (B)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
1999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                 
71.465.32431.732.915.6111.493.165.6142.7160.3155117.7115.6195.80198.21171.82294.02157.22119.32146.08125.04176.67
9.724.833.520.539.752.373.1138.70286.6289293265.6237.5226231.60205.31230.2262.27321.9273.77310.52334.88387.45
3.314.330.720.33122.634.6004.84.820.520.613.515.7001213.265.2719.2220.1-24.95-78.95-166.34
0000000000000000000000000
0.46.93.34.65.86.84.512.68.69.1111713.31215.40014.6515.1815.6654.3133.1146.9157.5565.14
20.447.4132.869.4108.2114.6127.8262.7101.7366.1447.5490.8454.5380.7372.7427.40430.17430.45577.21552.63446.3478.56438.51462.92
2.67.410.611.59.210.49.410.916.414.615.514.813.213.812.914.1015.7916.3918.0267.2862.9359.4263.158.02
0000000000000.206.70.400.150.1615.4222.360.282242.8521.75
0.30.81.212.111.43.84.719.327.49.517.733.549.141.627.522.3016.310.3810.9912.3410.0153.88104.41188.6
1.97.224.223.617.720.624.435.993.5188.998.4108.2110.2122.3132.6128.80250.03274.29374.95580.51545.21510.72486.13457.23
0000.0100.010.010.02000.190.30.290.310.340.3100.440.520.641.081.121.091.051.07
0.30.70.801.52.22.55.525.838.934.538.433.830.324.823.901921.9417.6619.1628.4723.1344.271.95
0.010.020.040.050.040.050.050.090.160.250.360.490.50.520.550.500.740.841.071.781.771.761.791.86
0.030.070.170.120.150.160.180.350.260.620.80.980.950.90.920.9301.171.281.652.332.222.232.232.33
                                                 
0.10146.7154.2155.6157.5159168.8170.9174.1178.3237239.7239.8239.8228.40226.06232.19233.22241.86249.54252.47253.47254.76
0.200-62.8-69.1-70.1-64-66.5-92.6-77.2-85.219.519.420.416.4-59.20-154.25-186.29-533.87-542.62-550.39-553.75-554.76-584.13
0-0.040.02-0.04-0.02-0.010.010.040.110.170.240.30.270.30.340.4100.520.620.991.151.271.421.511.62
-0.3-0.8-66.500000000000000-131.19-93.34-121.49-143.74-179.85-175.39-192.27-206.02
0001.93.95-1-4.7-6.4-42.9-32-55.9-70-64.9-59.2-80.600.020000000
0-0.040.10.060.070.080.10.140.180.220.30.50.460.490.540.4900.470.580.560.710.790.941.021.08
2.110.21317.616.918.420.955.200028.739.537.114.228.6026.7124.9130.8842.5418.3840.2942.2123.88
4.67.28.27.214.515.916.7000057.461.152.361.638.7061.4286.23117.36146.5488.53120.92106.17140.62
12.223.12024.739373751157204.8207.7201.9233.8198.6210.9210.10271.44293.31321.2393.79475.59500.61566.97583.89
0000000000000000000000000
2.64.30515001.21.813.336.494.411.110.711.612.90102.785.89107.8100.621.52211.01204.14194.99
21.544.841.254.585.471.374.6107.4158.8218.1244.1382.4345.5298.7298.3290.30462.35410.34577.24683.46604.01872.83919.49943.38
00.060.030.0200.010.010.10.120.170.240.090.240.20.20.2800.270.430.711.070.960.750.640.57
00000001.34.59.715.713.38.46.32.81.1016.6215.4136.99103.67107.2396.4194.9990.69
0.30000003.70.512.55.57.610.37.29.313.2024.2135.7329.9725.4824.7141.2227.6241.11
00.060.030.0200.010.010.110.120.20.260.110.260.220.210.2900.310.490.771.21.090.890.760.7
0.020.110.070.070.090.080.080.220.280.410.50.490.610.520.510.5800.770.91.351.891.691.761.681.64
0.030.060.170.130.150.160.180.350.460.640.80.991.071.011.051.0801.241.471.912.62.482.72.72.73
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Temenos provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Temenos's financial health and stability.

Assets

Temenos's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Temenos must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Temenos after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Temenos's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
1998null1999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
0000001217203864636861-16368210678132160195212204211145172
0000001413119162347499059586483859695131151151141131
000000000000000000000000000
99320-4-10-14-33-22-36-62-36-7-4-37-10-117-8-22-4-591025-59-59
0000000-1501728331928283023473753576216716986
00000000002336565691212122123192222
0000101011325231078101011201723121860
99320-4161532661531121239887161181216247287344347382460297331
-1-1-1-10-25-13-4-12-15-21-26-29-24-28-48-51-50-53-55-56-60-64-78-86-102-105-88
-1-1-1-10-25-16-5-12-14-20-44-105-110-110-49-78-68-47-351-51-111-324-681-47-131-137-84
00000-20011-17-75-86-82-1-26-185-2954-50-259-60238-29-324
000000000000000000000000000
00063-33-9-5-15-398069772369-40-9104179-7931374278-2900-113-159
-1-1-2-591280001-9-34-341-7-1130-53-1190-61-189-20500-200034
-2-2-2389-21-4-5-388-3726744-52-47-94-50138-192-212100198-381-295-207-235
0000-5-1109-10-2-8-4-11-8-7-10-8-12-19-14-21-27-27-23-20-22
0000000000000000-20-26-28-31-39-46-52-63-71-74-88
550-563-417-1-1595-18-277717-5-37-27701-26119-134-4229-4916
7.701.9-8.3-26-18.411.53.9-124.634.123.988.494.250.335.5111.2128.5160.88191.05226.88279.55268.42296.88358.01192.88242.45
000000000000000000000000000

Temenos stock margins

The Temenos margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Temenos. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Temenos.
  • 3 years

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  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Temenos's sales revenue. A higher gross margin percentage indicates that the Temenos retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Temenos's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Temenos's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Temenos's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Temenos. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Temenos's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Temenos Margin History

Temenos Gross marginTemenos Profit marginTemenos EBIT marginTemenos Profit margin
2029e70.89 %0 %0 %
2028e70.89 %0 %0 %
2027e70.89 %0 %17.45 %
2026e70.89 %30.23 %24.27 %
2025e70.89 %29.38 %24.43 %
2024e70.89 %28.52 %23.92 %
202370.89 %19.93 %13.46 %
202266.47 %17.21 %12.05 %
202166.34 %24.62 %17.93 %
202066.28 %26.33 %19.72 %
201972.79 %24.22 %18.63 %
201872.74 %26.02 %20.01 %
201771.86 %24.25 %18.82 %
201669.83 %23.54 %18.27 %
201570.79 %17.84 %12.23 %
201475.38 %25.22 %19.54 %
201370.03 %19.99 %14.58 %
201268.26 %10.68 %5.38 %
201167.79 %-0.42 %-5.98 %
201069.31 %16.45 %13.75 %
200971.7 %21.66 %18.53 %
200865.4 %15.73 %15.9 %
200770.6 %18.95 %19.61 %
200665.33 %15.4 %15.9 %
200561.11 %13.46 %10.85 %
200464.97 %9.96 %10.03 %

Temenos Stock Sales Revenue, EBIT, Earnings per Share

The Temenos earnings per share therefore indicates how much revenue Temenos has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Temenos earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Temenos's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Temenos’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Temenos's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Temenos Revenue, EBIT and net profit per share

DateTemenos Sales per ShareTemenos EBIT per shareTemenos Earnings per Share
2029e26.43 undefined0 undefined0 undefined
2028e24.08 undefined0 undefined0 undefined
2027e18.76 undefined0 undefined3.27 undefined
2026e16.81 undefined0 undefined4.08 undefined
2025e15.68 undefined0 undefined3.83 undefined
2024e14.68 undefined0 undefined3.51 undefined
202313.77 undefined2.74 undefined1.85 undefined
202213.2 undefined2.27 undefined1.59 undefined
202113.36 undefined3.29 undefined2.4 undefined
202012.12 undefined3.19 undefined2.39 undefined
201913.23 undefined3.2 undefined2.46 undefined
201811.53 undefined3 undefined2.31 undefined
201710.08 undefined2.44 undefined1.9 undefined
20168.8 undefined2.07 undefined1.61 undefined
20157.74 undefined1.38 undefined0.95 undefined
20146.74 undefined1.7 undefined1.32 undefined
20136.71 undefined1.34 undefined0.98 undefined
20126.46 undefined0.69 undefined0.35 undefined
20116.87 undefined-0.03 undefined-0.41 undefined
20106.12 undefined1.01 undefined0.84 undefined
20095.33 undefined1.15 undefined0.99 undefined
20085.89 undefined0.93 undefined0.94 undefined
20074.75 undefined0.9 undefined0.93 undefined
20063.59 undefined0.55 undefined0.57 undefined
20052.92 undefined0.39 undefined0.32 undefined
20042.64 undefined0.26 undefined0.26 undefined

Temenos business model

Temenos AG is a leading provider of software solutions for the financial industry. The company was founded in Geneva, Switzerland in 1993 and has since expanded globally. Temenos specializes in developing solutions for banks of all sizes, offering a wide range of products and services. The company's business model is based on the idea that financial institutions should be able to operate their businesses more effectively and efficiently in order to better serve their customers and increase their revenue. To achieve this, Temenos has developed a range of solutions tailored to the diverse needs of financial companies. One of Temenos' key areas is core banking software. These solutions are designed to improve the operational capabilities of banks by offering a wide range of functions and services. These include lending, payment processing, customer relationship management, compliance management, and many other functions required for the daily operations of banks. In addition to core banking software, Temenos also offers solutions for digital banking, wealth management, compliance, and risk management. These include mobile apps and online banking platforms for end customers, as well as systems for asset management and regulatory compliance. To best support its customers, Temenos provides comprehensive services including support, training, consultation, and solution implementation. Since its founding, Temenos has experienced strong growth and has become an international company with over 8,000 employees. The company has customers in more than 150 countries and operates offices in Europe, North and South America, Asia, and the Middle East. In addition to its focus on innovative technologies and services, Temenos also emphasizes collaborative partnerships with other companies. The company works closely with a variety of partners including consulting firms, IT service providers, system integrators, and hardware and software providers. Temenos has received a number of awards in the past, including the "Best Core Banking Systems Provider" award at the Banking Technology Awards in 2019, 2018, and 2017. Overall, Temenos offers a wide range of innovative technology solutions that help financial companies improve their operational capabilities, increase their effectiveness and efficiency, and ultimately succeed in their business fields. With a strong focus on regulatory compliance and security standards, Temenos enables its customers to achieve seamless integration and scalability, allowing them to flexibly respond to the constantly changing requirements of the financial industry. Temenos is one of the most popular companies on Eulerpool.com.

Temenos SWOT Analysis

Strengths

Weaknesses

Opportunities

Threats

Temenos Eulerpool Fair Value

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Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Temenos historical P/E ratio, EBIT multiple, and P/S ratio

Temenos shares outstanding

The number of shares was Temenos in 2023 — This indicates how many shares 72.633 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Temenos earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Temenos's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Temenos’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Temenos's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Temenos dividend history and estimates

In 2023, Temenos paid a dividend amounting to 1.1 USD. Dividend means that Temenos distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for Temenos provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Temenos’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Temenos's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Temenos Dividend History

DateTemenos Dividend
2029e1.24 undefined
2028e1.24 undefined
2027e1.24 undefined
2026e1.24 undefined
2025e1.23 undefined
2024e1.25 undefined
20231.1 undefined
20221 undefined
20210.3 undefined
20200.43 undefined
20190.75 undefined
20180.65 undefined
20170.55 undefined
20160.45 undefined
20150.4 undefined
20140.35 undefined
20130.28 undefined

Temenos dividend payout ratio

In 2023, Temenos had a payout ratio of 31.07%. The payout ratio indicates the percentage of the company's profits that Temenos distributes as dividends.
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Payout ratio
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Temenos represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Temenos could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Temenos's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Temenos Payout Ratio History

DateTemenos Payout ratio
2029e38.12 %
2028e39.37 %
2027e38.4 %
2026e36.57 %
2025e43.15 %
2024e35.49 %
202331.07 %
202262.89 %
202112.52 %
202017.78 %
201930.43 %
201828.19 %
201728.98 %
201627.98 %
201542.25 %
201426.52 %
201328.57 %
201231.07 %
201131.07 %
201031.07 %
200931.07 %
200831.07 %
200731.07 %
200631.07 %
200531.07 %
200431.07 %
Unfortunately, there are currently no price targets and forecasts available for Temenos.

Temenos latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
6/30/20240.88 0.94  (6.33 %)2024 Q2
3/31/20240.73 0.73  (-0.03 %)2024 Q1
12/31/20230.99 1.03  (4.06 %)2023 Q4
9/30/20230.5 0.61  (22.54 %)2023 Q3
6/30/20230.77 0.87  (12.69 %)2023 Q2
3/31/20230.58 0.69  (18.21 %)2023 Q1
12/31/20221.03 0.99  (-4.19 %)2022 Q4
9/30/20220.76 0.38  (-49.72 %)2022 Q3
6/30/20220.92 0.83  (-10.08 %)2022 Q2
3/31/20220.63 0.63  (0.32 %)2022 Q1
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Eulerpool ESG Scorecard© for the Temenos stock

Eulerpool World ESG Rating (EESG©)

85/ 100

🌱 Environment

80

👫 Social

99

🏛️ Governance

75

Environment

Scope 1 - Direct Emissions
516
Scope 2 - Indirect emissions from purchased energy
4,273
Scope 3 - Indirect emissions within the value chain
61,399
Total CO₂ emissions
4,789
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees35
Percentage of women in management
Percentage of Asian employees25.4
Share of Asian management
Percentage of Hispanic/Latino employees12.2
Hispano/Latino Management share
Percentage of Black employees3.6
Black Management Share
Percentage of white employees54.8
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Temenos shareholders

%
Name
Stocks
Change
Date
5.65619 % BlackRock Institutional Trust Company, N.A.4,127,677012/31/2023
4.77601 % Baillie Gifford & Co.3,485,355012/31/2023
3.19989 % DWS Investment GmbH2,335,1612,316,6343/27/2024
3.14203 % UBS Asset Management (Switzerland)2,292,935012/31/2023
3.08483 % Credit Suisse Funds AG2,251,1969,9622/7/2024
2.56595 % The Vanguard Group, Inc.1,872,5321,5863/31/2024
2.18433 % Zürcher Kantonalbank (Asset Management)1,594,045-9,8633/31/2024
13.33309 % Ebner (Martin & Rosmarie)9,730,000012/31/2023
11.07448 % BNP Paribas Asset Management France SAS8,081,748-242,1992/9/2024
1.63688 % Pictet Asset Management Ltd.1,194,5352,66312/31/2023
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Temenos Executives and Management Board

Mr. Erich Gerber59
Temenos President, Chief Revenue Officer, Member of the Executive Committee
Compensation 9.48 M
Mr. Andreas Andreades58
Temenos Executive Chairman of the Board, Chief Executive Officer (since 1999)
Compensation 6.01 M
Mr. Thibault De Tersant65
Temenos Independent Non-Executive Vice Chairman of the Board
Compensation 210,492
Dr. Homaira Akbari62
Temenos Non-Executive Independent Director
Compensation 195,000
Mr. Ian Cookson76
Temenos Non-Executive Independent Director
Compensation 187,294
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Temenos Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
SupplierCustomer0,810,56-0,250,13-0,75-
SupplierCustomer0,760,40-0,240,800,47-0,03
SupplierCustomer0,720,54-0,450,540,610,24
SupplierCustomer0,600,45-0,580,49-0,08-0,18
SupplierCustomer0,580,33-0,580,600,830,31
Tech Mahindra Ltd Stock
Tech Mahindra Ltd
SupplierCustomer0,480,34-0,470,63-0,30-0,35
HCL Technologies Stock
HCL Technologies
SupplierCustomer0,420,44-0,430,45-0,24-0,34
SupplierCustomer0,390,33-0,530,73-0,23-0,25
SupplierCustomer0,360,43-0,360,73-0,33-0,25
SupplierCustomer0,250,24-0,190,890,710,37
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Most common questions regarding Temenos

What values and corporate philosophy does Temenos represent?

Temenos AG represents a strong set of values and a clear corporate philosophy. With a focus on innovation, they strive to deliver exceptional banking software solutions to their clients worldwide. Temenos AG emphasizes collaboration, integrity, and customer-centricity as core principles. Their dedication to digital transformation and cutting-edge technology enables financial institutions to adapt to the evolving industry landscape effectively. By continuously investing in research and development, Temenos AG remains at the forefront of the market. Their commitment to sustainable growth and ethical practices ensures trust and reliability for both their customers and stakeholders. Temenos AG's corporate philosophy revolves around delivering superior software solutions and driving success for financial institutions globally.

In which countries and regions is Temenos primarily present?

Temenos AG is primarily present worldwide, serving the financial industry in numerous countries and regions. Some notable regions where Temenos AG has a significant presence include Europe, North America, Asia-Pacific, Middle East, and Africa. The company's global footprint allows it to cater to a diverse range of clients and banking institutions across various markets. With its extensive reach and expertise, Temenos AG continues to provide innovative solutions and software to the financial sector on a global scale.

What significant milestones has the company Temenos achieved?

Some significant milestones achieved by Temenos AG include: 1. Temenos was founded in 1993 and has since become a leading provider of banking software systems and solutions globally. 2. In 2001, the company launched its flagship product, T24, a core banking system that has established Temenos as a key player in the industry. 3. Temenos has a strong track record of successful acquisitions, including the acquisition of TriNovus, a risk management software provider, in 2011. 4. The company has received numerous industry accolades, such as being recognized as the "Best Islamic Banking Software Provider" at the Islamic Business & Finance Awards in 2014. 5. Temenos has a vast global presence with offices in over 60 countries, serving more than 3,000 clients worldwide.

What is the history and background of the company Temenos?

Temenos AG is a leading banking software company, founded in 1993. Headquartered in Switzerland, it has established a strong global presence with over 3,000 clients in more than 150 countries. Temenos specializes in delivering scalable and innovative banking software solutions, empowering financial institutions to enhance customer experience, streamline operations, and drive digital transformation. With its extensive domain knowledge, industry expertise, and cutting-edge technology, Temenos has become a trusted partner for banks and financial institutions worldwide. The company's commitment to continuous innovation has enabled it to consistently deliver advanced solutions that meet the evolving needs of the banking industry.

Who are the main competitors of Temenos in the market?

The main competitors of Temenos AG in the market are SAP SE, Fiserv, Inc., and Fidelity National Information Services, Inc.

In which industries is Temenos primarily active?

Temenos AG is primarily active in the software and financial technology (fintech) industries.

What is the business model of Temenos?

Temenos AG is a leading provider of banking software solutions globally. The company's business model revolves around offering innovative software products and services tailored to banks and financial institutions. Temenos AG helps banks improve their operational efficiency, enhance customer experiences, and accelerate digital transformation. By delivering core banking systems, digital channels, and analytics software, Temenos AG enables banks to streamline their processes, reduce costs, and stay competitive in an evolving industry. With a strong focus on technological advancements and client satisfaction, Temenos AG continues to empower financial institutions to thrive in the digital era.

What is the P/E ratio of Temenos 2024?

The Temenos P/E ratio is 20.81.

What is the P/S ratio of Temenos 2024?

The Temenos P/S ratio is 4.98.

What is the Quality Investing of Temenos?

The Quality Investing for Temenos is 7/10.

What is the revenue of Temenos 2024?

The expected Temenos revenue is 1.07 B USD.

How high is the profit of Temenos 2024?

The expected Temenos profit is 256.23 M USD.

What is the business model of Temenos

Temenos AG is a Swiss company that offers a comprehensive range of banking software products. It serves over 3,000 customers in more than 150 countries and provides a wide range of products for banks, including core banking systems, digital banking platforms, risk management tools, lending and deposit management systems, payment systems, and business analytics tools. The company's core product, T24 Transact, is a state-of-the-art core banking system based on the latest industry standards. It offers a comprehensive range of features that allow banks to effectively and efficiently serve their customers. T24 Transact also provides a dynamic and flexible architecture that enables quick response to changing business requirements. Temenos AG also offers a digital banking platform called Infinity, which allows banks to quickly and effectively develop their digital business activities. This platform offers features such as mobile banking, online banking, account opening, compliance checking, as well as personalization and real-time marketing tools. The company also offers a wide range of risk management tools, including compliance and anti-money laundering tools, as well as tools for managing credit, market, and liquidity risks. These tools help banks minimize risks and ensure regulatory compliance. Temenos AG also provides lending and deposit management software that allows banks to automate and manage their lending and deposit management processes more effectively. These tools are particularly useful for banks conducting complex lending and deposit management transactions. The company also offers payment systems that enable banks to manage and process electronic payments. These systems include a wide range of payment methods, including SEPA, SWIFT, real-time payments, and mobile payments. Temenos AG also offers business analytics tools that allow banks to analyze and optimize their business processes. These tools provide comprehensive data analytics that help banks make effective decisions and improve their business processes. As a company, Temenos AG is innovative and constantly seeking new technologies and innovations to provide its customers with the best possible experience. It works closely with banks and financial institutions to understand their needs and develop solutions that are tailored to them. Overall, Temenos AG's business model focuses on providing banks and financial institutions with high-quality, flexible, and powerful tools to automate and optimize their business processes. The wide range of products offered by Temenos AG covers all aspects of banking and provides customers with a comprehensive set of tools to enhance customer satisfaction and efficiency.

What is the Temenos dividend?

Temenos pays a dividend of 1 USD distributed over payouts per year.

How often does Temenos pay dividends?

The dividend cannot currently be calculated for Temenos or the company does not pay out a dividend.

What is the Temenos ISIN?

The ISIN of Temenos is CH0012453913.

What is the Temenos WKN?

The WKN of Temenos is 676682.

What is the Temenos ticker?

The ticker of Temenos is TEMN.SW.

How much dividend does Temenos pay?

Over the past 12 months, Temenos paid a dividend of 1.1 USD . This corresponds to a dividend yield of about 1.5 %. For the coming 12 months, Temenos is expected to pay a dividend of 1.23 USD.

What is the dividend yield of Temenos?

The current dividend yield of Temenos is 1.5 %.

When does Temenos pay dividends?

Temenos pays a quarterly dividend. This is distributed in the months of June, June, June, June.

How secure is the dividend of Temenos?

Temenos paid dividends every year for the past 0 years.

What is the dividend of Temenos?

For the upcoming 12 months, dividends amounting to 1.23 USD are expected. This corresponds to a dividend yield of 1.67 %.

In which sector is Temenos located?

Temenos is assigned to the 'Information technology' sector.

Wann musste ich die Aktien von Temenos kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Temenos from 5/14/2024 amounting to 1.2 USD, you needed to have the stock in your portfolio before the ex-date on 5/10/2024.

When did Temenos pay the last dividend?

The last dividend was paid out on 5/14/2024.

What was the dividend of Temenos in the year 2023?

In the year 2023, Temenos distributed 1 USD as dividends.

In which currency does Temenos pay out the dividend?

The dividends of Temenos are distributed in USD.

All fundamentals about Temenos

Our stock analysis for Temenos Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Temenos Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.