Temenos AG (TMSNY) Stock Price & Analysis
Temenos AG (TMSNY) — price $79.53 (-1.15%), as of the Oct 2, 2026 trading session; market cap $5.35B. Expected results Oct 28, 2026.
Educational signal · not a buy or sell recommendation · How to read this
Market value / cash and short-term investments: 35.48× (market value Oct 2, 2026; cash Jun 30, 2026) · expected results Oct 28, 2026
Temenos AG · TMSNY · Technology · Software - Application
Research dated 2026-09-13: Temenos sells comprehensive banking software platforms to financial institutions globally, generating revenue from licenses, subscriptions, and professional services. The company is profitable with strong operating margins and has steadily grown revenue. The question is whether current valuation significantly above historical earnings multiples is sustainable given slower growth rates and maturation in core markets.
Price as of Oct 2, 2026
Key Statistics
No publishable V2 score is available for this stock yet.
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $79.53 | |
| Change on the day | -1.15% | |
| 52-week range | $74.88 – $107.27 | |
| Market capitalisation | $5.35B | |
| Price / earnings (trailing) | 28.66 | |
| Shares traded on the day | 1.7K | |
| Beta (volatility vs the S&P 500) | 0.58 | |
| Dividends per share (last 12 months) | $1.77 | |
| Dividend yield (last 12 months) | 2.22% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · below the recorded estimate
- · Earnings results · below the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
- · Earnings results · below the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
And this is where we're going to launch a number of new ideas, a number of new products this year.
Panagiotis Spiliopoulos · Statement from
But I'm confident we will convert the U.S. pipeline into revenue and this is one of our key measures of success for the business this year.
Panagiotis Spiliopoulos · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Temenos AG (TMSNY): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Legends Council
6 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Sep 13, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 13, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 13, 2026, the Munger lens read the price at that time as fairly valued against its own estimate of value.
Readings on this page are from Oct 6, 2026, except a card that shows its own read date.
Watch the TMSNY film — every key number, told as a short cinematic story
~2 min · open the film
What is Temenos AG (TMSNY), and what does it report?
Short answer · as of
Temenos builds and licenses integrated software systems that banks use to manage customers, process payments, ensure compliance, and detect fraud.
Research dated 2026-09-13.
Temenos builds and licenses integrated software systems that banks use to manage customers, process payments, ensure compliance, and detect fraud. Revenue comes from software licenses, subscription charges for cloud-based versions, and professional services like implementation and training.
The reported numbers measure licensed revenue against the costs of development, sales, and support—a standard software business model where gross margins are high because delivering software at scale is inexpensive. The company operates a hybrid model: perpetual licenses generating long-term support fees, combined with cloud subscriptions for new customers.
What do the latest results show for Temenos AG (TMSNY)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $282M.
Research dated 2026-09-13.
Recent quarters show revenue advancing steadily and profitability expanding. The mechanism is both volume growth—more banks adopting platforms—and operating leverage as fixed costs spread across a larger revenue base. Earnings per share has grown faster than revenue, indicating management is extracting margin improvement from scale.
However, near-term growth appears moderate compared to recent history. The company faces headwinds from fewer large perpetual license deals as customers prefer subscriptions, and from cyclical delays in bank technology budgets.
Where is operating spending going?
Revenue alongside research and development, selling, general and administrative expenses, and the FMP standardized operating result.
- Latest quarter · revenue
- $281.68M Jun 30, 2026
- Latest quarter · SG&A
- $99.78M Jun 30, 2026
- Latest quarter · FMP standardized operating result
- $95.81M Jun 30, 2026
| Period end | Revenue | R&D | SG&A | FMP standardized operating result |
|---|---|---|---|---|
| Jun 30, 2026 | $281.68M | Not available | $99.78M | $95.81M |
| Mar 31, 2026 | $252.96M | Not available | $96.76M | $56.63M |
| Dec 31, 2025 | $320.84M | Not available | $100.00M | $306.70M |
| Sep 30, 2025 | $257.91M | Not available | $90.72M | $64.21M |
USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $281.68M Jul 22, 2026
- Latest report · revenue estimate
- $303.68M Jul 22, 2026
- Latest report · revenue vs estimate
- Below estimate Jul 22, 2026
- Latest report · EPS vs estimate
- Below estimate Jul 22, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Jul 22, 2026 | $281.68M | $303.68M | $1.3100 | $1.3400 |
| Apr 21, 2026 | $252.96M | $245.49M | $0.9000 | $0.8400 |
| Feb 26, 2026 | $320.84M | $300.80M | $0.6200 | $1.0200 |
| Oct 28, 2025 | $257.91M | $247.30M | $0.6400 | $0.9400 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $282M | $67M | $1.00 (diluted) |
| Q1 FY2026 | $253M | $40M | $0.58 (diluted) |
| Q4 FY2025 | $321M | $44M | $0.62 (diluted) |
| Q3 FY2025 | $258M | $44M | $0.64 (diluted) |
What are the financial strengths and risks for Temenos AG (TMSNY)?
Short answer
Cash and short-term investments were $150.77M at the Jun 30, 2026 balance-sheet date. Operating cash flow was $95.69M for the quarter ended Jun 30, 2026, meaning operations generated cash. These figures do not establish a cash runway.
Research dated 2026-09-13.
The balance sheet shows net debt: total debt exceeds cash, but the debt-to-equity ratio is moderate. Operating cash flow is strong and consistent, funding both debt service and dividends from operations. Liquidity is tighter than purely equity-funded peers.
The acute risk is growth deceleration. If banks delay digital transformation projects due to economic uncertainty, license deals stall. Operating cash generation provides cushion, but sustained leverage depends on maintaining current profitability and growth rates.
How much cash does the business generate or use?
Quarterly operating cash flow shows cash generated or used by operations.
- Latest quarter · operating cash flow
- $95.69M Jun 30, 2026
- Previous quarter · operating cash flow
- $80.45M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $95.69M | −$1.46M |
| Mar 31, 2026 | $80.45M | −$17.43M |
| Dec 31, 2025 | −$6.26M | $33.97M |
| Sep 30, 2025 | $198.82M | −$1.57M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway.
What should you watch next at Temenos AG (TMSNY)?
Short answer · as of
The next earnings report is expected on Oct 28, 2026.
Research dated 2026-09-13.
Watch whether revenue growth accelerates or remains moderate in coming quarters. Management indicated focus on converting the pipeline in the U.S. market; quarterly results will show progress or delays. Monitor whether subscription customers grow faster than perpetual license customers churn, signaling successful transition.
Also track large deal closure rates and whether the company's cloud offering wins against competitors or faces customer deferral. Watch gross margin: if the mix shifts toward lower-margin services, profitability compresses despite revenue growth.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
And this is where we're going to launch a number of new ideas, a number of new products this year.
Panagiotis Spiliopoulos ·
But I'm confident we will convert the U.S. pipeline into revenue and this is one of our key measures of success for the business this year.
Panagiotis Spiliopoulos ·
What the records here don't tell us
- No insider Form 4 transaction falls inside the window this page reads.
- Fewer than two score snapshots exist, so no score trend is shown.
Checked against the records this page reads, on the dates shown above.
How is Temenos AG scored?
Research dated 2026-09-13.
Temenos competes with much larger vendors like SAP and Oracle in banking software, plus newer cloud-native competitors. Unlike SAP, Temenos is pure-play banking software, which deepens expertise but limits revenue diversification. The company's modular architecture advantages banks migrating from legacy monolithic systems.
Against peers, Temenos trades at an earnings multiple reflecting modest growth. The business is stable and capital-efficient (software margins are high), but growth is not accelerating. The debt load distinguishes it from equity-funded competitors and constrains financial flexibility.
| Company | Price | Market value | Score |
|---|---|---|---|
| $23.36 Oct 2, 2026 | $6.75B | — Model unavailable | |
| $5.00 Oct 2, 2026 | $5.78B | — Model unavailable | |
| $4.74 Oct 2, 2026 | $5.57B | — Model unavailable | |
| $34.12 Oct 5, 2026 | $4.43B | — Model unavailable | |
| $22.15 Oct 5, 2026 | $5.37B | — 5-pillar · not comparable | |
| $11.93 Oct 5, 2026 | $5.61B | — 5-pillar · not comparable | |
| $34.44 Oct 5, 2026 | $5.66B | — 5-pillar · not comparable | |
| $346.57 Oct 2, 2026 | $4.66B | — 5-pillar · not comparable | |
| $114.89 Oct 5, 2026 | $6.73B | — 5-pillar · not comparable | |
| $79.94 Oct 5, 2026 | $6.85B | — 5-pillar · not comparable | |
| $147.50 Oct 5, 2026 | $6.87B | — 5-pillar · not comparable | |
| $41.14 Oct 5, 2026 | $4.14B | — 5-pillar · not comparable |
The comparison model is unavailable. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 0.0% Period end Jun 30, 2026
- Previous quarter · ownership
- 0.0% Prior to period end Jun 30, 2026
- Reporting holders
- 4 Period end Jun 30, 2026
- Previous quarter · holders
- 4 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Pnc Financial Services Group, INC. | 440 |
| Gamma Investing LLC | 218 |
| Rhumbline Advisers | 172 |
| Hantz Financial Services, INC. | 29 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
What has been published about Temenos AG (TMSNY)?
- MIND C.T.I. (NASDAQ:MNDO) versus Temenos Group (OTCMKTS:TMSNY) Head-To-Head Contrast
- Temenos and Celent: American Banks Face Growing Fight for the 'Switchable Middle'
- AI-Powered Wealth Management Solution Market 2026-2030 Report Now Available — Profiles Addepar, Envestnet, InvestCloud, AWS, Temenos, and 20 Other Key Vendors
- SACOMBANK Modernizes Core Banking with Temenos and IBM
What Investors Ask About Temenos AG (TMSNY) — Technology
Research dated 2026-09-13; the answers below are from that research, and the full attribution is under Sources. The last 2 questions are answered from this page's own dated data, not from the research.
Is Temenos primarily a perpetual license or subscription business?
The company is transitioning from perpetual licenses to cloud subscriptions. The current mix includes licenses, support maintenance, and professional services, with maintenance revenue representing the largest segment. As perpetual licenses naturally decline, subscription revenue must accelerate to replace them or growth slows.
Why do only four institutional investors hold material stakes in Temenos?
Temenos trades as TMSNY on OTC markets rather than a major exchange, which limits institutional access and liquidity. Many large institutions avoid OTC stocks due to liquidity constraints and operational complications. This structure may suppress valuation relative to major-exchange peers.
Does Temenos have a clear path to accelerating subscription revenue growth?
Management guidance indicates confidence in pipeline conversion and cloud adoption, but progress depends entirely on customer decisions. Digital transformation budgets are cyclical and sensitive to economic sentiment. The company cannot force adoption; growth is constrained by customer demand.
What happens if debt servicing costs rise further with higher interest rates?
Higher interest expenses would compress net income despite stable operating profit. The company would need to increase pricing or reduce costs to offset the burden. Leverage limits financial flexibility—additional debt is difficult, and dividend cuts signal distress to the market.
What is the TMSNY stock price today?
The last price recorded on this page for Temenos AG (TMSNY) is $79.53, as of the Oct 2, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
Does TMSNY pay a dividend?
Yes. Temenos AG (TMSNY) shows a trailing 12-month dividend yield of 2.22%, as of Oct 2, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Claude (claude-haiku-4-5) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (72 figures)
The 72 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 1 fact from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Panagiotis Spiliopoulos (Apr 21, 2026): And this is where we're going to launch a number of new ideas, a number of new products this year. Panagiotis Spiliopoulos (Apr 21, 2026): But I'm confident we will convert the U.S. pipeline into revenue and this is one of our key measures of success for the business this year. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. |
FMP — 64 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.next | Next earnings date | Oct 28, 2026 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.last | Latest provided price | $79.53 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-05T12:35:25.410Z. | |
px.change | Change on the day | -1.15% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $5.35B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-02. FMP quote timestamp: 2026-10-02T20:00:00.000Z. Captured from FMP at 2026-10-05T12:35:25.045Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | −$0.925 | FMP | Financial Modeling Prep (FMP) · quote | |
px.pe | Price / earnings (trailing) | 28.66 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 1.7K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.58 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Panagiotis Spiliopoulos | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 5,205 | FMP | Financial Modeling Prep (FMP) company profile | |
id.hq | Headquarters | Esplanade de Pont-Rouge 9C, Lancy, GE, 1212, CH | FMP | Financial Modeling Prep (FMP) company profile — The FMP company description names Geneva, Switzerland as the headquarters; this page uses the address in this row. | |
fin.q_revenue | Revenue, Q2 FY2026 | $282M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $967.00M, net result $173.37M; FY2022 revenue $949.63M, net result $114.42M; FY2023 revenue $1.00B, net result $134.68M; FY2024 revenue $1.04B, net result $177.18M; FY2025 revenue $1.10B, net result $282.04M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.gross_margin | Gross margin (trailing twelve months) | 69.2% | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $281.68M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.sga_k | SG&A — period end 2026-06-30 | $99.78M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.operating_result_k | FMP standardized operating result — period end 2026-06-30 | $95.81M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $252.96M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.sga_k | SG&A — period end 2026-03-31 | $96.76M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.operating_result_k | FMP standardized operating result — period end 2026-03-31 | $56.63M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $320.84M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.sga_k | SG&A — period end 2025-12-31 | $100.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.operating_result_k | FMP standardized operating result — period end 2025-12-31 | $306.70M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.revenue_k | Revenue — period end 2025-09-30 | $257.91M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.sga_k | SG&A — period end 2025-09-30 | $90.72M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-09-30.operating_result_k | FMP standardized operating result — period end 2025-09-30 | $64.21M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-07-22.revenue_actual | Revenue · reported — report date 2026-07-22 | $281.68M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.revenue_estimated | Revenue · estimate — report date 2026-07-22 | $303.68M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.eps_actual | EPS · reported — report date 2026-07-22 | $1.3100 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-22.eps_estimated | EPS · estimate — report date 2026-07-22 | $1.3400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_actual | Revenue · reported — report date 2026-04-21 | $252.96M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.revenue_estimated | Revenue · estimate — report date 2026-04-21 | $245.49M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_actual | EPS · reported — report date 2026-04-21 | $0.9000 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-21.eps_estimated | EPS · estimate — report date 2026-04-21 | $0.8400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.revenue_actual | Revenue · reported — report date 2026-02-26 | $320.84M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.revenue_estimated | Revenue · estimate — report date 2026-02-26 | $300.80M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.eps_actual | EPS · reported — report date 2026-02-26 | $0.6200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-02-26.eps_estimated | EPS · estimate — report date 2026-02-26 | $1.0200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_actual | Revenue · reported — report date 2025-10-28 | $257.91M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.revenue_estimated | Revenue · estimate — report date 2025-10-28 | $247.30M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_actual | EPS · reported — report date 2025-10-28 | $0.6400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2025-10-28.eps_estimated | EPS · estimate — report date 2025-10-28 | $0.9400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.cash_investments | Cash and short-term investments | $150.77M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. | |
fin.opcf_latest | Latest-quarter operating cash flow | $95.69M | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Period end: 2026-06-30. Negative operating cash flow means cash used. This figure is not a cash-runway estimate. | |
fin.long_term_investments | Long-term investments (classification unverified) | $319.59M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.total_debt | Total debt | $842.19M | FMP | Financial Modeling Prep (FMP), from the company's balance sheet — Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | |
fin.price_to_book | Price to book value | 14.20× | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm — A ratio our provider could not compute is absent rather than shown as zero. | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $95.69M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $80.45M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$1.46M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$17.43M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | −$6.26M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | $33.97M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $198.82M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$1.57M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
own.institutions.depth.ownership_pct | Institutional ownership | 0.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 0.0% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 4 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 4 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Pnc Financial Services Group, INC. — shares in provider snapshot | 440 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Gamma Investing LLC — shares in provider snapshot | 218 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Rhumbline Advisers — shares in provider snapshot | 172 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Hantz Financial Services, INC. — shares in provider snapshot | 29 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.range52 | 52-week range | $74.88 – $107.27 | UNRECORDED | Stored company-profile observation — Captured 2026-10-06 | |
earn.history | Reported versus estimated, recent quarters | EPS beat 2 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-09-15 · Expired observation |
COMPUTED — 5 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
fin.mcap_to_cash | Market value per dollar of cash and short-term investments | 35.48× | — | COMPUTED | Computed on this page from the figures above — The market capitalisation printed on this page divided by cash and short-term investments of $150.77M at Jun 30, 2026. Long-term investments are excluded and remain unclassified. Restrictions on cash and short-term investments require separate review. Market cap record date: 2026-10-02. Balance-sheet reference date: 2026-06-30. The inputs do not establish a single common source date for this ratio. |
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.77 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 1 split-adjusted declared dividend with an ex-date in the 365 days to 2026-10-05, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.22% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-07-22.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($281.68M) with the recorded estimate ($303.68M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-07-22.eps_actual.comparison | Latest report · EPS vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.3100) with the recorded estimate ($1.3400) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-06-30. USD. The operating result is the FMP-standardized value supplied by FMP; it may differ from a filing’s GAAP loss from operations when the provider classifies separately presented items differently. It is not net income or cash flow. Applies to Fact IDs:
fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.sga_k,fin.q_table.depth.2026-06-30.operating_result_k,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.sga_k,fin.q_table.depth.2026-03-31.operating_result_k,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.sga_k,fin.q_table.depth.2025-12-31.operating_result_k,fin.q_table.depth.2025-09-30.revenue_k,fin.q_table.depth.2025-09-30.sga_k,fin.q_table.depth.2025-09-30.operating_result_k. - Earnings-history note. Source series as of 2026-07-22. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-07-22.revenue_actual,earn.history.depth.2026-07-22.revenue_estimated,earn.history.depth.2026-07-22.revenue_actual.comparison,earn.history.depth.2026-07-22.eps_actual.comparison,earn.history.depth.2026-07-22.eps_actual,earn.history.depth.2026-07-22.eps_estimated,earn.history.depth.2026-04-21.revenue_actual,earn.history.depth.2026-04-21.revenue_estimated,earn.history.depth.2026-04-21.eps_actual,earn.history.depth.2026-04-21.eps_estimated,earn.history.depth.2026-02-26.revenue_actual,earn.history.depth.2026-02-26.revenue_estimated,earn.history.depth.2026-02-26.eps_actual,earn.history.depth.2026-02-26.eps_estimated,earn.history.depth.2025-10-28.revenue_actual,earn.history.depth.2025-10-28.revenue_estimated,earn.history.depth.2025-10-28.eps_actual,earn.history.depth.2025-10-28.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Negative operating cash flow means cash used. Capital expenditure keeps the provider’s reported sign; it is not added here to estimate free cash flow or runway. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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- sedat@stockexpertai.com
Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Temenos AG, headquartered in Geneva, Switzerland, is a company established in 1993 (and known as Temenos Group AG until May 2018) that specializes in the development, global marketing, and sale of integrated software systems for banks and various other financial institutions. The company's extensive portfolio of solutions includes: Temenos Transact: A core banking platform delivering software, data, and analytics capabilities. Temenos Payments: A payment solution designed to provide banks with real-time operational control, enhance customer service, boost cost efficiencies, and strengthen risk management. Temenos Infinity: A dedicated digital banking product. Temenos Multifonds: A solution specifically for fund administration. Temenos SaaS: A cloud-based offering that supports banking operations across diverse sectors and geographical regions. Temenos Quantum: A multi-experience development platform facilitating digital transformation initiatives. Temenos AI: An artificial intelligence offering aimed at creating frictionless customer interactions and automating processes. Temenos Financial Crime Mitigation: Helps financial institutions avoid regulatory penalties, detect fraudulent activities, and mitigate reputational risks. Temenos Analytics: A product providing reporting, in-depth analytics, and business intelligence. Temenos Regulatory Compliance: Assists clients in preventing fraud, maintaining adherence to regulations, and managing risk effectively. Furthermore, Temenos provides a broad range of specialized services, covering retail and private banking, corporate and business banking, Islamic banking, wealth management, financial inclusion initiatives, and mobile banking. These are complemented by consultancy, training, and ongoing support services. The company also fosters innovation through its Temenos Developer Community, an open API catalog that provides standardized, out-of-the-box APIs to accelerate development, alongside online support and valuable resources. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Sector / industry (provider taxonomy) | Technology / Software - Application | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-22 | FMP | Financial Modeling Prep (FMP) earnings |
| Trailing twelve-month ratio set | Quick ratio: 0.51; Current ratio: 0.51; Debt to equity: 2.26; Net margin: 17.5%; Gross margin: 69.2%; Operating margin: 49.1%; Return on assets: 8.8%; Return on equity: 45.5% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Cash, investments and debt | Total debt: $842.19M; Liquidity basis: cash and short-term investments; Total liabilities: $1.83B; Cash and short-term investments: $150.77M; Cash and investments: $470.40M; Long-term investments: $319.59M; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Next earnings report | Date: 2026-10-28; EPS estimate: $1.25 per share; Revenue estimate: $300.31M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Management outlook — dated call excerpts | Captured record · 2 entries
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-04-21 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Analyst actions, most recent per firm | Captured record · 1 entry
One row per firm — the firm's most recent action in our feed. Other data vendors may carry firms ours does not. | 2021-03-02 | FMP | Financial Modeling Prep (FMP) analyst grades |
| Distress and quality screens | Altman Z-score: 3.61; Piotroski F-score: 6 Altman Z below 1.8 is the conventional distress zone. The screen is built for manufacturers and industrials; for banks, insurers and property companies it is not a meaningful reading. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) financial scores |
| Institutional ownership (13F) | Holders: 4; Quarter: 2026-06-30; Ownership: 0%; Holders previous quarter: 4; Ownership previous quarter: 0 13F filings are quarterly and lag the quarter end by up to 45 days. | 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings |
| Largest 4 institutional holders | Captured record · 4 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings |
Data provided for informational purposes only.