View ValuationTemenos 将来の成長Future 基準チェック /26Temenos利益と収益がそれぞれ年間2.2%と6.4%増加すると予測されています。EPS は年間 増加すると予想されています。自己資本利益率は 3 年後に39.1% 1.8%なると予測されています。主要情報2.2%収益成長率1.78%EPS成長率Software 収益成長15.8%収益成長率6.4%将来の株主資本利益率39.09%アナリストカバレッジGood最終更新日26 May 2026今後の成長に関する最新情報更新なしすべての更新を表示Recent updatesお知らせ • May 10Temenos Launches Embedded AI Capabilities to Help Banks Move Faster, Stay in Control, and Create Better ExperiencesTemenos announced new AI-powered product capabilities launching at Temenos Community Forum 2026. The new releases include Temenos AI Agents, Copilots and Conversational Studio embedded across Temenos’ Core and Digital Banking products, as well as its Financial Crime Mitigation (FCM) solution. The new AI capabilities unveiled at TCF 2026 include: Conversational Studio for Digital, a natural-language environment for building end-to-end digital banking journeys. Temenos Copilot for Workbench, helping developers build, plan and execute custom platform extensions using AI Agents. Temenos Copilot for Core - Branch Manager & Branch Officer personas, extending conversational support to branch officers and managers. Temenos FCM AI Agent for Instant Payments, extending financial crime controls to real-time payment flows. Conversational interfaces are transforming how users interact with Temenos systems by enabling natural-language interaction with the platform. This improves productivity, reduces operational friction, and makes complex banking functionality accessible to a broader set of users. In 2025, Temenos launched Temenos Copilot for Core, where users engage directly with the system using natural language to accelerate decision-making. AI Agents further increase operational capacity, reduce friction and risk, and help banks scale efficiently while maintaining auditability and human oversight. A Tier 1 bank using the Temenos FCM AI Agent, also launched in 2025, is now processing hundreds of thousands of sanctions screening cases and automating more than twenty percent of alerts, allowing teams to focus on higher-complexity work. Conversational Studio provides the governed, build environments where banks can design and deploy new experiences through natural language, accelerating innovation while maintaining control.お知らせ • May 08Temenos Launches Composable Retail Deposits And Composable Retail LendingTemenos launched Composable Retail Deposits and Composable Retail Lending, new Temenos Composable Solutions designed to help banks progressively modernize key retail banking domains, reducing risk while accelerating change. Retail deposits and lending sit at the heart of a bank’s operating model, yet many are still constrained by legacy platforms that are slow to change, costly to upgrade and difficult to integrate with new technologies. As customer expectations, competitive pressures and regulatory demands increase, banks need more flexible ways to modernise these domains. Temenos’ Composable Retail Deposits and Composable Retail Lending are cloud-native, standalone capabilities that integrate into a bank’s existing technology landscape through APIs and event-driven connections. Each capability is independent, with clear functional boundaries and its own deployment and upgrade cycle, ensuring that changes in one area do not ripple across other systems. Together, these capabilities enable banks to modernize deposits and lending progressively, improve speed to market and reduce the risk and disruption typically associated with traditional core upgrades. Temenos’ composable deposit and lending solutions were developed in collaboration with Design Partner clients, including Raiffeisen Bank International, supporting product development in line with real-world banking needs.Buy Or Sell Opportunity • May 07Now 20% undervaluedOver the last 90 days, the stock has risen 14% to €82.35. The fair value is estimated to be €103, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.2% over the last 3 years. Earnings per share has grown by 39%. For the next 3 years, revenue is forecast to grow by 6.4% per annum. Earnings are also forecast to grow by 2.2% per annum over the same time period.お知らせ • Apr 09Temenos AG, Annual General Meeting, May 13, 2026Temenos AG, Annual General Meeting, May 13, 2026, at 11:30 W. Europe Standard Time.New Risk • Mar 13New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.7% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. Minor Risks High level of debt (111% net debt to equity). Share price has been volatile over the past 3 months (5.5% average weekly change). Large one-off items impacting financial results.お知らせ • Feb 27Temenos AG announces Annual dividend, payable on May 20, 2026Temenos AG announced Annual dividend of CHF 1.4000 per share payable on May 20, 2026, ex-date on May 18, 2026 and record date on May 19, 2026.Reported Earnings • Feb 25Full year 2025 earnings released: EPS: US$4.06 (vs US$2.46 in FY 2024)Full year 2025 results: EPS: US$4.06 (up from US$2.46 in FY 2024). Revenue: US$1.09b (up 4.5% from FY 2024). Net income: US$280.6m (up 58% from FY 2024). Profit margin: 26% (up from 17% in FY 2024). Revenue is forecast to grow 6.1% p.a. on average during the next 3 years, compared to a 9.5% growth forecast for the Software industry in Europe.Buy Or Sell Opportunity • Feb 23Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.9% to €69.85. The fair value is estimated to be €87.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has grown by 32%. For the next 3 years, revenue is forecast to grow by 5.8% per annum. Earnings are forecast to decline by 7.1% per annum over the same time period.お知らせ • Dec 10Temenos AG (SWX:TEMN) announces an Equity Buyback for CHF 100 million worth of its shares.Temenos AG (SWX:TEMN) announces a share repurchase program. Under the program, the company will repurchase up to CHF 100 million worth of its shares. The repurchased registered shares are to be used for general business purposes, including employee equity incentive plans and/or the financing of potential acquisitions. The program will expire on December 30, 2026, at the latest. As of December 8, 2025, the company had 71,907,147 issued shares and 4,497,723 treasury shares.Valuation Update With 7 Day Price Move • Nov 05Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €80.85, the stock trades at a forward P/E ratio of 30x. Average forward P/E is 19x in the Software industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €77.53 per share.New Risk • Oct 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 8.0% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 8.0% per year for the foreseeable future. Minor Risks High level of debt (162% net debt to equity). Large one-off items impacting financial results.業績と収益の成長予測WBAG:TEMN - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/20281,3292803925101312/31/20271,2472523544581512/31/20261,164226315398153/31/20261,112291289360N/A12/31/20251,091281281354N/A9/30/20251,095315288361N/A6/30/20251,084302273349N/A3/31/20251,046174291368N/A12/31/20241,044177285363N/A9/30/20241,023144257341N/A6/30/20241,013135263348N/A3/31/20241,004136253340N/A12/31/20231,000135242331N/A9/30/2023980139235323N/A6/30/2023956119212302N/A3/31/2023955117199300N/A12/31/2022950114193298N/A9/30/2022962143273386N/A6/30/2022980170308423N/A3/31/2022978180345452N/A12/31/2021967173358460N/A9/30/2021954184330423N/A6/30/2021932197324416N/A3/31/2021907193307395N/A12/31/2020887175297383N/A9/30/2020915149292381N/A6/30/2020933158288373N/A3/31/2020958160273355N/A12/31/2019972181N/A347N/A9/30/2019922190N/A363N/A6/30/2019902188N/A361N/A3/31/2019872176N/A351N/A12/31/2018841168N/A344N/A9/30/2018819158N/A326N/A6/30/2018797151N/A315N/A3/31/2018766143N/A294N/A12/31/2017735138N/A288N/A9/30/2017694133N/A266N/A6/30/2017668126N/A264N/A3/31/2017647122N/A261N/A12/31/2016634116N/A247N/A9/30/201661298N/A252N/A6/30/201659686N/A252N/A3/31/201657072N/A231N/A12/31/201554366N/A216N/A9/30/201550776N/A175N/A6/30/201547673N/A169N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: TEMNの予測収益成長率 (年間2.2% ) は 貯蓄率 ( 2.3% ) を下回っています。収益対市場: TEMNの収益 ( 2.2% ) Austrian市場 ( 11.4% ) よりも低い成長が予測されています。高成長収益: TEMNの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: TEMNの収益 ( 6.4% ) Austrian市場 ( 4.1% ) よりも速いペースで成長すると予測されています。高い収益成長: TEMNの収益 ( 6.4% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: TEMNの 自己資本利益率 は、3年後には高くなると予測されています ( 39.1 %)成長企業の発掘7D1Y7D1Y7D1YSoftware 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/26 02:48終値2026/05/26 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Temenos AG 15 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。32 アナリスト機関Alexander ToutArete Research Services LLPKnut WollerBaader Helvea Equity ResearchRaimo LenschowBarclays29 その他のアナリストを表示
お知らせ • May 10Temenos Launches Embedded AI Capabilities to Help Banks Move Faster, Stay in Control, and Create Better ExperiencesTemenos announced new AI-powered product capabilities launching at Temenos Community Forum 2026. The new releases include Temenos AI Agents, Copilots and Conversational Studio embedded across Temenos’ Core and Digital Banking products, as well as its Financial Crime Mitigation (FCM) solution. The new AI capabilities unveiled at TCF 2026 include: Conversational Studio for Digital, a natural-language environment for building end-to-end digital banking journeys. Temenos Copilot for Workbench, helping developers build, plan and execute custom platform extensions using AI Agents. Temenos Copilot for Core - Branch Manager & Branch Officer personas, extending conversational support to branch officers and managers. Temenos FCM AI Agent for Instant Payments, extending financial crime controls to real-time payment flows. Conversational interfaces are transforming how users interact with Temenos systems by enabling natural-language interaction with the platform. This improves productivity, reduces operational friction, and makes complex banking functionality accessible to a broader set of users. In 2025, Temenos launched Temenos Copilot for Core, where users engage directly with the system using natural language to accelerate decision-making. AI Agents further increase operational capacity, reduce friction and risk, and help banks scale efficiently while maintaining auditability and human oversight. A Tier 1 bank using the Temenos FCM AI Agent, also launched in 2025, is now processing hundreds of thousands of sanctions screening cases and automating more than twenty percent of alerts, allowing teams to focus on higher-complexity work. Conversational Studio provides the governed, build environments where banks can design and deploy new experiences through natural language, accelerating innovation while maintaining control.
お知らせ • May 08Temenos Launches Composable Retail Deposits And Composable Retail LendingTemenos launched Composable Retail Deposits and Composable Retail Lending, new Temenos Composable Solutions designed to help banks progressively modernize key retail banking domains, reducing risk while accelerating change. Retail deposits and lending sit at the heart of a bank’s operating model, yet many are still constrained by legacy platforms that are slow to change, costly to upgrade and difficult to integrate with new technologies. As customer expectations, competitive pressures and regulatory demands increase, banks need more flexible ways to modernise these domains. Temenos’ Composable Retail Deposits and Composable Retail Lending are cloud-native, standalone capabilities that integrate into a bank’s existing technology landscape through APIs and event-driven connections. Each capability is independent, with clear functional boundaries and its own deployment and upgrade cycle, ensuring that changes in one area do not ripple across other systems. Together, these capabilities enable banks to modernize deposits and lending progressively, improve speed to market and reduce the risk and disruption typically associated with traditional core upgrades. Temenos’ composable deposit and lending solutions were developed in collaboration with Design Partner clients, including Raiffeisen Bank International, supporting product development in line with real-world banking needs.
Buy Or Sell Opportunity • May 07Now 20% undervaluedOver the last 90 days, the stock has risen 14% to €82.35. The fair value is estimated to be €103, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 5.2% over the last 3 years. Earnings per share has grown by 39%. For the next 3 years, revenue is forecast to grow by 6.4% per annum. Earnings are also forecast to grow by 2.2% per annum over the same time period.
お知らせ • Apr 09Temenos AG, Annual General Meeting, May 13, 2026Temenos AG, Annual General Meeting, May 13, 2026, at 11:30 W. Europe Standard Time.
New Risk • Mar 13New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 0.7% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 0.7% per year for the foreseeable future. Minor Risks High level of debt (111% net debt to equity). Share price has been volatile over the past 3 months (5.5% average weekly change). Large one-off items impacting financial results.
お知らせ • Feb 27Temenos AG announces Annual dividend, payable on May 20, 2026Temenos AG announced Annual dividend of CHF 1.4000 per share payable on May 20, 2026, ex-date on May 18, 2026 and record date on May 19, 2026.
Reported Earnings • Feb 25Full year 2025 earnings released: EPS: US$4.06 (vs US$2.46 in FY 2024)Full year 2025 results: EPS: US$4.06 (up from US$2.46 in FY 2024). Revenue: US$1.09b (up 4.5% from FY 2024). Net income: US$280.6m (up 58% from FY 2024). Profit margin: 26% (up from 17% in FY 2024). Revenue is forecast to grow 6.1% p.a. on average during the next 3 years, compared to a 9.5% growth forecast for the Software industry in Europe.
Buy Or Sell Opportunity • Feb 23Now 20% undervalued after recent price dropOver the last 90 days, the stock has fallen 6.9% to €69.85. The fair value is estimated to be €87.61, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 4.8% over the last 3 years. Earnings per share has grown by 32%. For the next 3 years, revenue is forecast to grow by 5.8% per annum. Earnings are forecast to decline by 7.1% per annum over the same time period.
お知らせ • Dec 10Temenos AG (SWX:TEMN) announces an Equity Buyback for CHF 100 million worth of its shares.Temenos AG (SWX:TEMN) announces a share repurchase program. Under the program, the company will repurchase up to CHF 100 million worth of its shares. The repurchased registered shares are to be used for general business purposes, including employee equity incentive plans and/or the financing of potential acquisitions. The program will expire on December 30, 2026, at the latest. As of December 8, 2025, the company had 71,907,147 issued shares and 4,497,723 treasury shares.
Valuation Update With 7 Day Price Move • Nov 05Investor sentiment improves as stock rises 20%After last week's 20% share price gain to €80.85, the stock trades at a forward P/E ratio of 30x. Average forward P/E is 19x in the Software industry in Europe. Simply Wall St's valuation model estimates the intrinsic value at €77.53 per share.
New Risk • Oct 30New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 8.0% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Shares are highly illiquid. Earnings are forecast to decline by an average of 8.0% per year for the foreseeable future. Minor Risks High level of debt (162% net debt to equity). Large one-off items impacting financial results.