Temenos (0QOA) Share Price & Analysis
0QOA Stock Chart & Stats
- Day’s Range
- CHF 76.05 - CHF 78.45
- 52-Week Range
- CHF 59.20 - CHF 87.30
- Previous Close
- CHF 75.80
- Volume
- 15.34K
- Average Volume (3M)
- 37.95K
- Market Cap
- CHF 5.26B
- Enterprise Value
- CHF 5.94B
- Total Cash (Recent Filing)
- CHF 196.60M
- Total Debt (Recent Filing)
- CHF 844.46M
- Price to Earnings (P/E)
- 33.4
- Beta
- 0.80
- Next Earnings
- Feb 23, 2027 (Est.)
- EPS Estimate
- 1.05
- Last Dividend Ex-Date
- May 18, 2026
- Dividend Yield
- 1.80%
Bulls Say, Bears Say
Bulls Say
Recurring Revenue Growth
Double-digit ARR and product growth indicate continued demand from both existing customers and new logos. A growing recurring base can improve revenue visibility, support ongoing investment in the platform, and strengthen Temenos's position in core banking software over the next several quarters.
Profitability And Cash Generation
Strong margins and substantial free cash flow demonstrate that Temenos converts its software business into meaningful cash, not just accounting earnings. This supports product investment, disciplined capital allocation, and balance-sheet repair while providing resilience through changes in customer or revenue mix.
Competitive Position And Client Wins
Strong win rates and deployments with sizeable financial institutions suggest that Temenos remains competitive in mission-critical banking platforms. These relationships can deepen recurring maintenance and subscription revenue, create expansion opportunities, and reinforce credibility with other banks evaluating modernization programs.
Bears Say
Sharp TTM Revenue Decline
The sharp TTM top-line decline is a material threat to revenue durability because high margins cannot fully offset weaker demand or delayed recognition indefinitely. If the contraction persists, it could reduce operating leverage, constrain growth investment, and make future earnings increasingly dependent on cost control.
Rising Leverage
Higher leverage and a thinner equity cushion reduce financial flexibility after the additiv acquisition. Although management expects leverage to return to its target range, debt service and deleveraging needs could compete with investment, acquisitions, buybacks, or other uses of internally generated cash.
Americas SaaS Weakness
Double-digit Americas subscription and SaaS declines expose a regional weakness in converting signed or visible business into current revenue. Continued timing delays would make growth less predictable, increase dependence on later-period execution, and complicate efforts to sustain the company's broader recurring-revenue trajectory.
Temenos News
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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.
- Sector
- Technology
- Industry
- Software - Application
- CEO
- Panagiotis Spiliopoulos
- Employees
- 5,057
- Website
- www.temenos.com
- Address
- Esplanade de Pont-Rouge 9C, Lancy, GE, 1212, CH
Temenos (0QOA) Earnings & Revenues
0QOA Company Deck
0QOA Earnings Call
Earnings Call SentimentPositive
The call was predominantly positive. Temenos reported strong ARR, revenue, profitability, free cash flow, win rates, client wins, AI-driven efficiency gains, and raised EBIT and EPS guidance. The main challenges were the subscription and SaaS revenue miss caused by one delayed African deal, the BNPL client headwind, double-digit Americas subscription and SaaS decline, large-deal timing execution, and higher leverage following the additiv acquisition. Management nevertheless maintained its full-year guidance and 2028 targets.
View all GB:0QOA earnings summaries0QOA Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 4 | 4 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 12 | 0 | 0 |
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