TMNSF — Stock Film
STOCK FILMSCENE 1/11TMNSF · $78.89
Stock Expert AI presents
TMNSF
Temenos AG
~4 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
Temenos AG. What it actually does.

Develops and markets integrated banking software systems. Provides banking solutions like Temenos Transact with software, data, and analytics. Now — the numbers.

on the stock market since 2010
5,205 employees
$5.3B market value
Revenue last year:
$1.1B
The net profit left over:
$294M
Out of every $100 in sales, $26 stays as net profit.
THE SLICE THAT TURNS INTO PROFIT: 26%

This is an established company with proven profits.

THE SALES TREND
Sales are moving sideways.

No real growth (4% a year).

$967M
2021
2022
2023
2024
$1.1B
2025
Cash on hand:
$203.4M
Total debt:
$808.4M
The debt outweighs the cash.

The gap is $605.0M. In times of high interest rates, a gap like that can squeeze a company.

Every quarter, analysts set a profit bar.
How many of the last 8 did the company clear?
8 / 8
EXPECTATIONS MET OR BEATEN
8
Oct 2024
Jul 2026
8 TIMES IN THE LAST 8 QUARTERS
It clears the bar, quarter after quarter.
THE COUNCIL REVIEW
9

angles, checked one by one.

The 3 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit per sale, but shrinking10/10
WEAK SPOTS
Thin trading in the shares2/10
The stock has lost its spark2/10
WORTH WATCHING

Trading Liquidity: The shares change hands too rarely for smooth trading.

THE FIVE-YEAR JOURNEY
Below the peak, but no collapse.

The stock trades 48% below its peak. The market has trimmed its expectations for the company.

1
THE BRIGHT SIDE · 1/3
A fat but narrowing margin

The net profit margin is 26% — still a thick cushion, though costs have been eating into it lately.

2
THE BRIGHT SIDE · 2/3
Delivers on expectations

It met or beat analyst expectations in 8 of the last 8 quarters — consistency is a promise kept.

3
THE BRIGHT SIDE · 3/3
Pays a steady dividend

It pays out $1.77 per share each year — regular cash for whoever holds the stock.

1
THE RISKS · 1/2
Thin trading in the shares

Getting in and out without moving the price could prove difficult. Council score: 2/10.

2
THE RISKS · 2/2
The stock has lost its spark

Since the drop from its peak, buyer appetite hasn’t come back. Council score: 2/10.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →

Not covered, because the filings we hold do not carry it: the revenue breakdown.

This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film