TEMNN Stock Chart & Stats
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Bulls Say, Bears Say
Bulls Say
High Profit MarginsTemenos' elevated gross (~74%) and net (~26%) margins reflect durable operating leverage from software and services. High margins support sustained reinvestment in product, fund shareholder returns and buybacks, and provide resilience through revenue cycles, improving multi-year cash generation potential.
Strong Cash Generation And FCFConsistent, large operating cash flow and FCF give Temenos durable financial flexibility to fund the multi-year investment program, dividends and buybacks, and to reduce leverage. Reliable FCF underpins capital allocation choices without reliance on equity issuance over the medium term.
Recurring Revenue And ARR ExpansionA growing ARR base (>90% of product revenue) increases revenue visibility and customer lifetime value, making revenue streams stickier. Above-market product revenue growth and expanding subscription/SaaS mix support predictable, repeatable cash flows and scalable margin improvement over the next several years.
Bears Say
Top-line Decline And Revenue Durability ConcernA pronounced TTM revenue decline undermines the sustainability of margin and cash strength: falling top line raises the bar for maintaining growth, makes investment paybacks longer, and signals potential demand or renewal weakness that could pressure multi-year targets.
Rising Leverage And Balance-sheet RiskLeverage increasing to ~1.9x reduces financial flexibility and amplifies earnings volatility. Higher debt raises refinancing and interest-rate sensitivity, limiting the company's ability to invest opportunistically or absorb revenue shocks without impairing shareholder returns or increasing funding costs.
Revenue Concentration And Renewal Timing RiskDependence on several large deals and clustered renewal cohorts creates timing and concentration risk: delays or non-renewals of a few key contracts could materially affect ARR and revenue cadence, complicating achievement of multi-year ARR and free cash flow targets.
TEMNN FAQ
What was Temenos’s price range in the past 12 months?
Currently, no data Available
What is Temenos’s market cap?
Temenos’s market cap is $84.64B.
When is Temenos’s upcoming earnings report date?
Temenos’s upcoming earnings report date is Oct 27, 2026 which is in 93 days.
How were Temenos’s earnings last quarter?
Temenos released its earnings results on Jul 22, 2026. The company reported $22.937 earnings per share for the quarter, beating the consensus estimate of $22.026 by $0.91.
Is Temenos overvalued?
According to Wall Street analysts Temenos’s price is currently Undervalued.
Does Temenos pay dividends?
Temenos does not currently pay dividends.
What is Temenos’s EPS estimate?
Temenos’s EPS estimate is 19.29.
How many shares outstanding does Temenos have?
Currently, no data Available
What happened to Temenos’s price movement after its last earnings report?
Temenos reported an EPS of $22.937 in its last earnings report, beating expectations of $22.026. Following the earnings report the stock price went same N/A.
Which hedge fund is a major shareholder of Temenos?
Currently, no hedge funds are holding shares in MX:TEMNN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
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.
TEMNN Company Deck
TEMNN Earnings Call
Q2 2026
0:00 / 0:00
TEMNN Stock 12 Month Forecast
Average Price Target
$1,930.01