View Future GrowthTemenos 過去の業績過去 基準チェック /46Temenosは、平均年間10.8%の収益成長を遂げていますが、 Software業界の収益は、年間 減少しています。収益は、平均年間22.7% 3.5%収益成長率で 成長しています。 Temenosの自己資本利益率は70.2%であり、純利益率は26.2%です。主要情報10.84%収益成長率11.65%EPS成長率Software 業界の成長10.11%収益成長率3.49%株主資本利益率70.19%ネット・マージン26.21%次回の業績アップデート22 Jul 2026最近の業績更新Reported Earnings • Apr 22First quarter 2026 earnings released: EPS: US$0.59 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.59 (up from US$0.41 in 1Q 2025). Revenue: US$253.0m (up 8.9% from 1Q 2025). Net income: US$39.7m (up 37% from 1Q 2025). Profit margin: 16% (up from 13% in 1Q 2025). Revenue is forecast to grow 6.3% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Software industry in Italy.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 6.2% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Software industry in Italy.Reported Earnings • Oct 30Third quarter 2025 earnings released: EPS: US$0.65 (vs US$0.43 in 3Q 2024)Third quarter 2025 results: EPS: US$0.65 (up from US$0.43 in 3Q 2024). Revenue: US$258.5m (up 4.7% from 3Q 2024). Net income: US$44.4m (up 44% from 3Q 2024). Profit margin: 17% (up from 13% in 3Q 2024). Revenue is forecast to grow 5.7% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.Reported Earnings • Sep 14Second quarter 2025 earnings released: EPS: US$2.34 (vs US$0.51 in 2Q 2024)Second quarter 2025 results: EPS: US$2.34 (up from US$0.51 in 2Q 2024). Revenue: US$285.5m (up 15% from 2Q 2024). Net income: US$164.7m (up 344% from 2Q 2024). Profit margin: 58% (up from 15% in 2Q 2024). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.お知らせ • May 31+ 5 more updatesTemenos AG to Report Q3, 2026 Results on Oct 27, 2026Temenos AG announced that they will report Q3, 2026 results on Oct 27, 2026すべての更新を表示Recent updatesBuy Or Sell Opportunity • May 11Now 21% undervaluedOver the last 90 days, the stock has risen 8.7% to €82.05. 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.Upcoming Dividend • May 11Upcoming dividend of CHF1.40 per shareEligible shareholders must have bought the stock before 18 May 2026. Payment date: 20 May 2026. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of Italian dividend payers (4.6%). In line with average of industry peers (1.8%).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.New Risk • May 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 5.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (5.6% average weekly change). Minor Risks High level of debt (155% net debt to equity). Large one-off items impacting financial results.Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €63.65, the stock trades at a forward P/E ratio of 28x. Average trailing P/E is 22x in the Software industry in Italy. Total returns to shareholders of 3.3% over the past year. Simply Wall St's valuation model estimates the intrinsic value at €77.87 per share.Reported Earnings • Apr 22First quarter 2026 earnings released: EPS: US$0.59 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.59 (up from US$0.41 in 1Q 2025). Revenue: US$253.0m (up 8.9% from 1Q 2025). Net income: US$39.7m (up 37% from 1Q 2025). Profit margin: 16% (up from 13% in 1Q 2025). Revenue is forecast to grow 6.3% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Software industry in Italy.Declared Dividend • Apr 15Dividend of CHF1.40 announcedShareholders will receive a dividend of CHF1.40. Ex-date: 18th May 2026 Payment date: 20th May 2026 Dividend yield will be 1.7%, which is higher than the industry average of 0.8%. Sustainability & Growth Dividend is well covered by both earnings (43% earnings payout ratio) and cash flows (42% cash payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 1.1% over the next 3 years. However, it would need to fall by 52% to increase the payout ratio to a potentially unsustainable range.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 12New 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). Large one-off items impacting financial results.Declared Dividend • Mar 01Dividend of CHF1.40 announcedShareholders will receive a dividend of CHF1.40. Ex-date: 18th May 2026 Payment date: 20th May 2026 Dividend yield will be 1.8%, which is higher than the industry average of 0.8%. Sustainability & Growth Dividend is well covered by both earnings (43% earnings payout ratio) and cash flows (44% cash payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 3.0% over the next 3 years. However, it would need to fall by 52% to increase the payout ratio to a potentially unsustainable range.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 6.2% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Software industry in Italy.Buy Or Sell Opportunity • Jan 07Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 29% to €91.50. The fair value is estimated to be €76.02, however this is not to be taken as a sell 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 6.0% 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 04Investor sentiment improves as stock rises 21%After last week's 21% share price gain to €81.50, the stock trades at a forward P/E ratio of 30x. Average forward P/E is 15x in the Software industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €75.32 per share.Reported Earnings • Oct 30Third quarter 2025 earnings released: EPS: US$0.65 (vs US$0.43 in 3Q 2024)Third quarter 2025 results: EPS: US$0.65 (up from US$0.43 in 3Q 2024). Revenue: US$258.5m (up 4.7% from 3Q 2024). Net income: US$44.4m (up 44% from 3Q 2024). Profit margin: 17% (up from 13% in 3Q 2024). Revenue is forecast to grow 5.7% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.お知らせ • Sep 30Temenos Launches AI-Powered Money Movement & Management Platform at SibosTemenos announced the launch of Temenos Money Movement & Management, an AI-powered and pre-integrated platform to streamline payments and account services. This unified solution brings together payments, accounts, risk, and treasury modules, enabling financial institutions to move money faster, more reliably and at lower cost. Temenos Money Movement & Management helps new entrants get to market quickly and existing players to replace fragmented systems with an efficient platform built for growth and innovation. Smart AI-powered services, such as automated payment repair, fraud detection, and copilot tools minimize manual intervention and improve straight-through processing. Leveraging Temenos' recently launched FCM AI Agent, the platform enhances real-time screening and significantly reduces false positives. Built-in integration accelerators enable the rapid onboarding and servicing of any digital wallets and alternative payment networks, such as Wise, Thunes, Mastercard Move, Visa Direct, and Standard Chartered Scale. The solution is designed for banks, electronic money institutions (EMIs) and other payment service providers (PSPs) involved in cross border and domestic money movement services. Temenos' holistic and unified approach provides a powerful solution to the challenges faced by these organizations. FINCI, an EMI regulated by the Bank of Lithuania, went live on the platform in just four months.Reported Earnings • Sep 14Second quarter 2025 earnings released: EPS: US$2.34 (vs US$0.51 in 2Q 2024)Second quarter 2025 results: EPS: US$2.34 (up from US$0.51 in 2Q 2024). Revenue: US$285.5m (up 15% from 2Q 2024). Net income: US$164.7m (up 344% from 2Q 2024). Profit margin: 58% (up from 15% in 2Q 2024). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.New Risk • Sep 05New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 7.1% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (7.1% average weekly change). Earnings are forecast to decline by an average of 5.6% per year for the foreseeable future. Minor Risks High level of debt (109% net debt to equity). Large one-off items impacting financial results.Valuation Update With 7 Day Price Move • Sep 05Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €64.00, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 15x in the Software industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €67.21 per share.お知らせ • Jun 03Montagu Private Equity LLP completed the acquisition of IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) for $400 million.Montagu Private Equity LLP agreed to acquire IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) on February 6, 2025. After the transaction closes, Multifonds will operate as a new standalone company, led by its existing management team. Ralph Drebes, Michael Leicht, Matthew Devey, Carl Sanders, Christian Hundeshagen and Wladislaw Kirch of Linklaters LLP acted as legal advisor for Montagu. Dieter Gericke and Daniel Häusermann of Homburger AG acted as legal advisor for Temenos. Montagu Private Equity LLP completed the acquisition of IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) for $400 million on June 2, 2025.お知らせ • May 31+ 5 more updatesTemenos AG to Report Q3, 2026 Results on Oct 27, 2026Temenos AG announced that they will report Q3, 2026 results on Oct 27, 2026Board Change • May 28High number of new directorsIndependent Non-Executive Director Michael Andres Gorriz was the last director to join the board, commencing their role in 2024.お知らせ • May 22Temenos Sets New Benchmark for Scalability of Ai-Powered Banking with Microsoft AzureTemenos announced the results of a highwater benchmark for its cloud-native core banking solutions running on Microsoft Azure. The results will be presented at the Temenos Community Forum 2025. The record-setting benchmark showcased the speed and efficiency of Temenos' latest technology in handling high volumes of digital transactions and AI services, delivering maximum scalability with a minimal cloud footprint. The benchmark simulated a bank with 25 million customers and 50 million accounts processing 16,600 transactions per second while taking additional AI workloads. It tested the full end-to-end capabilities of Temenos' banking solutions, including core and digital banking, payments, data hub and AI services on Microsoft Azure. Thanks to advances in Temenos' leaner, more sustainable architecture and Microsoft Azure Cobalt 100 ARM processors, the test showed over 40% improvement in efficiency compared to the 2024 benchmark exercise. These results highlight the power of Temenos' banking solutions to process large volumes of transactions and data quickly and securely, using less hardware. This helps banks of all sizes scale on demand, and maintain peak performance and availability, while meeting the growing demand for AI and Gen AI-powered services. The benchmark also tested banking APIs through Microsoft Open AI Service interfaces to ensure it meets banking customers' AI and Gen AI demand in the future. According to a recent Hanover Research survey for Temenos, 75% of banks are exploring Generative AI deployment, while 82% are investing in technology to improve operating efficiency. Among banks already deploying Gen AI or exploring opportunities, 43% plan to increase their investment in the technology this year compared to last year.お知らせ • May 20Temenos Launches Gen Ai Copilot for Banks to Deliver Better Products FasterAt the Temenos Community Forum ’25 in Madrid, Temenos launched the Temenos Product Manager Copilot, empowering banks to design, launch, test and optimize financial products faster using Generative AI. Temenos Product Manager Copilot is a Gen AI assistant that integrates Microsoft Azure OpenAI Service and is embedded within the Temenos Retail core banking solution. It provides a simple, conversational way for product, IT and Customer Service managers to explore the full breadth of Temenos’ core banking functionality and data insights, helping banks design and launch retail products faster, easier, and make them more relevant to their customers. Temenos Product Manager Copilot is offered as part of Temenos retail accounts advanced and enterprise product offerings. Temenos core banking solutions are trusted by over 950 banks worldwide, from large multinational institutions to smaller regional banks. Temenos core banking offers extensive out-of-the-box functionality and a comprehensive suite of pre-configured products. With Temenos Product Manager Copilot, product managers can leverage either the built-in user agents or interact through familiar channels like Microsoft Teams for building, testing and launching new products. This Gen AI tool also allows them to quickly gain business insights without having to write complicated queries from their core banking data and drive strategic decisions. Integrating Azure OpenAI Service enables Temenos Product Manager Copilot to surface insights from the bank’s core data, documentation and regulatory landscape. The solution is flexible by design to allow easy integrations with new AI agents based on bank-specific data sources, as well as existing AI agents already in use. In addition, Azure OpenAI Service provides enterprise-class availability, scaling, security and confidentiality for customer data. According to a recent study for Temenos, three quarters (75%) of banks are exploring Gen AI deployment with 36% having already deployed or in the process of deploying it. Additionally, 73% believe that agentic AI will be transformative for the banking industry.収支内訳Temenos の稼ぎ方とお金の使い方。LTMベースの直近の報告された収益に基づく。収益と収入の歴史BIT:1TEMN 収益、費用、利益 ( )USD Millions日付収益収益G+A経費研究開発費31 Mar 261,112291354031 Dec 251,091281352030 Sep 251,095315330030 Jun 251,084302332031 Mar 251,046174327031 Dec 241,044177321030 Sep 241,023144323030 Jun 241,013135322031 Mar 241,004136320031 Dec 231,000135316030 Sep 23980139339030 Jun 23956119300031 Mar 23955117297031 Dec 22950114290030 Sep 22962143270030 Jun 22980170267031 Mar 22978180259031 Dec 21967173254030 Sep 21954184245030 Jun 21932197211031 Mar 21907193216031 Dec 20887175206030 Sep 20915149240030 Jun 20933158259031 Mar 20958160269031 Dec 19972181277030 Sep 19922190248030 Jun 19902188242031 Mar 19872176239031 Dec 18841168232030 Sep 18819158234030 Jun 18797151227031 Mar 18766143215031 Dec 17735138203030 Sep 17694133192030 Jun 17668126185031 Mar 17647122179031 Dec 16634116175030 Sep 1661298167030 Jun 1659686173031 Mar 1657072167031 Dec 1554366167030 Sep 1550776146030 Jun 15476731410質の高い収益: 1TEMNには$103.0M } という大きな 一回限りの 利益があり、過去 12 か月の財務実績が31st March, 2026に影響を及ぼしています。利益率の向上: 1TEMNの現在の純利益率 (26.2%)は、昨年(16.6%)よりも高くなっています。フリー・キャッシュフローと収益の比較過去の収益成長分析収益動向: 1TEMNの収益は過去 5 年間で年間10.8%増加しました。成長の加速: 1TEMNの過去 1 年間の収益成長率 ( 67.5% ) は、5 年間の平均 ( 年間10.8%を上回っています。収益対業界: 1TEMNの過去 1 年間の収益成長率 ( 67.5% ) はSoftware業界8.9%を上回りました。株主資本利益率高いROE: 1TEMNの 自己資本利益率 ( 70.19% ) は 抜群 ですが、負債レベルが高いためこの指標は歪んでいます。総資産利益率使用総資本利益率過去の好業績企業の発掘7D1Y7D1Y7D1YSoftware 、過去の業績が好調な企業。View Financial Health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2026/05/20 01:19終値2026/05/20 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
Reported Earnings • Apr 22First quarter 2026 earnings released: EPS: US$0.59 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.59 (up from US$0.41 in 1Q 2025). Revenue: US$253.0m (up 8.9% from 1Q 2025). Net income: US$39.7m (up 37% from 1Q 2025). Profit margin: 16% (up from 13% in 1Q 2025). Revenue is forecast to grow 6.3% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Software industry in Italy.
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 6.2% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Software industry in Italy.
Reported Earnings • Oct 30Third quarter 2025 earnings released: EPS: US$0.65 (vs US$0.43 in 3Q 2024)Third quarter 2025 results: EPS: US$0.65 (up from US$0.43 in 3Q 2024). Revenue: US$258.5m (up 4.7% from 3Q 2024). Net income: US$44.4m (up 44% from 3Q 2024). Profit margin: 17% (up from 13% in 3Q 2024). Revenue is forecast to grow 5.7% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.
Reported Earnings • Sep 14Second quarter 2025 earnings released: EPS: US$2.34 (vs US$0.51 in 2Q 2024)Second quarter 2025 results: EPS: US$2.34 (up from US$0.51 in 2Q 2024). Revenue: US$285.5m (up 15% from 2Q 2024). Net income: US$164.7m (up 344% from 2Q 2024). Profit margin: 58% (up from 15% in 2Q 2024). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.
お知らせ • May 31+ 5 more updatesTemenos AG to Report Q3, 2026 Results on Oct 27, 2026Temenos AG announced that they will report Q3, 2026 results on Oct 27, 2026
Buy Or Sell Opportunity • May 11Now 21% undervaluedOver the last 90 days, the stock has risen 8.7% to €82.05. 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.
Upcoming Dividend • May 11Upcoming dividend of CHF1.40 per shareEligible shareholders must have bought the stock before 18 May 2026. Payment date: 20 May 2026. Payout ratio is a comfortable 43% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of Italian dividend payers (4.6%). In line with average of industry peers (1.8%).
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.
New Risk • May 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 5.6% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (5.6% average weekly change). Minor Risks High level of debt (155% net debt to equity). Large one-off items impacting financial results.
Valuation Update With 7 Day Price Move • May 04Investor sentiment deteriorates as stock falls 22%After last week's 22% share price decline to €63.65, the stock trades at a forward P/E ratio of 28x. Average trailing P/E is 22x in the Software industry in Italy. Total returns to shareholders of 3.3% over the past year. Simply Wall St's valuation model estimates the intrinsic value at €77.87 per share.
Reported Earnings • Apr 22First quarter 2026 earnings released: EPS: US$0.59 (vs US$0.41 in 1Q 2025)First quarter 2026 results: EPS: US$0.59 (up from US$0.41 in 1Q 2025). Revenue: US$253.0m (up 8.9% from 1Q 2025). Net income: US$39.7m (up 37% from 1Q 2025). Profit margin: 16% (up from 13% in 1Q 2025). Revenue is forecast to grow 6.3% p.a. on average during the next 3 years, compared to a 11% growth forecast for the Software industry in Italy.
Declared Dividend • Apr 15Dividend of CHF1.40 announcedShareholders will receive a dividend of CHF1.40. Ex-date: 18th May 2026 Payment date: 20th May 2026 Dividend yield will be 1.7%, which is higher than the industry average of 0.8%. Sustainability & Growth Dividend is well covered by both earnings (43% earnings payout ratio) and cash flows (42% cash payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 1.1% over the next 3 years. However, it would need to fall by 52% to increase the payout ratio to a potentially unsustainable range.
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 12New 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). Large one-off items impacting financial results.
Declared Dividend • Mar 01Dividend of CHF1.40 announcedShareholders will receive a dividend of CHF1.40. Ex-date: 18th May 2026 Payment date: 20th May 2026 Dividend yield will be 1.8%, which is higher than the industry average of 0.8%. Sustainability & Growth Dividend is well covered by both earnings (43% earnings payout ratio) and cash flows (44% cash payout ratio). The dividend has increased by an average of 15% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to decline by 3.0% over the next 3 years. However, it would need to fall by 52% to increase the payout ratio to a potentially unsustainable range.
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 6.2% p.a. on average during the next 3 years, compared to a 12% growth forecast for the Software industry in Italy.
Buy Or Sell Opportunity • Jan 07Now 20% overvalued after recent price riseOver the last 90 days, the stock has risen 29% to €91.50. The fair value is estimated to be €76.02, however this is not to be taken as a sell 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 6.0% 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 04Investor sentiment improves as stock rises 21%After last week's 21% share price gain to €81.50, the stock trades at a forward P/E ratio of 30x. Average forward P/E is 15x in the Software industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €75.32 per share.
Reported Earnings • Oct 30Third quarter 2025 earnings released: EPS: US$0.65 (vs US$0.43 in 3Q 2024)Third quarter 2025 results: EPS: US$0.65 (up from US$0.43 in 3Q 2024). Revenue: US$258.5m (up 4.7% from 3Q 2024). Net income: US$44.4m (up 44% from 3Q 2024). Profit margin: 17% (up from 13% in 3Q 2024). Revenue is forecast to grow 5.7% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.
お知らせ • Sep 30Temenos Launches AI-Powered Money Movement & Management Platform at SibosTemenos announced the launch of Temenos Money Movement & Management, an AI-powered and pre-integrated platform to streamline payments and account services. This unified solution brings together payments, accounts, risk, and treasury modules, enabling financial institutions to move money faster, more reliably and at lower cost. Temenos Money Movement & Management helps new entrants get to market quickly and existing players to replace fragmented systems with an efficient platform built for growth and innovation. Smart AI-powered services, such as automated payment repair, fraud detection, and copilot tools minimize manual intervention and improve straight-through processing. Leveraging Temenos' recently launched FCM AI Agent, the platform enhances real-time screening and significantly reduces false positives. Built-in integration accelerators enable the rapid onboarding and servicing of any digital wallets and alternative payment networks, such as Wise, Thunes, Mastercard Move, Visa Direct, and Standard Chartered Scale. The solution is designed for banks, electronic money institutions (EMIs) and other payment service providers (PSPs) involved in cross border and domestic money movement services. Temenos' holistic and unified approach provides a powerful solution to the challenges faced by these organizations. FINCI, an EMI regulated by the Bank of Lithuania, went live on the platform in just four months.
Reported Earnings • Sep 14Second quarter 2025 earnings released: EPS: US$2.34 (vs US$0.51 in 2Q 2024)Second quarter 2025 results: EPS: US$2.34 (up from US$0.51 in 2Q 2024). Revenue: US$285.5m (up 15% from 2Q 2024). Net income: US$164.7m (up 344% from 2Q 2024). Profit margin: 58% (up from 15% in 2Q 2024). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 13% growth forecast for the Software industry in Italy.
New Risk • Sep 05New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of Italian stocks, typically moving 7.1% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (7.1% average weekly change). Earnings are forecast to decline by an average of 5.6% per year for the foreseeable future. Minor Risks High level of debt (109% net debt to equity). Large one-off items impacting financial results.
Valuation Update With 7 Day Price Move • Sep 05Investor sentiment deteriorates as stock falls 17%After last week's 17% share price decline to €64.00, the stock trades at a forward P/E ratio of 25x. Average forward P/E is 15x in the Software industry in Italy. Simply Wall St's valuation model estimates the intrinsic value at €67.21 per share.
お知らせ • Jun 03Montagu Private Equity LLP completed the acquisition of IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) for $400 million.Montagu Private Equity LLP agreed to acquire IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) on February 6, 2025. After the transaction closes, Multifonds will operate as a new standalone company, led by its existing management team. Ralph Drebes, Michael Leicht, Matthew Devey, Carl Sanders, Christian Hundeshagen and Wladislaw Kirch of Linklaters LLP acted as legal advisor for Montagu. Dieter Gericke and Daniel Häusermann of Homburger AG acted as legal advisor for Temenos. Montagu Private Equity LLP completed the acquisition of IGEFI Group s.à r.l. from Temenos AG (SWX:TEMN) for $400 million on June 2, 2025.
お知らせ • May 31+ 5 more updatesTemenos AG to Report Q3, 2026 Results on Oct 27, 2026Temenos AG announced that they will report Q3, 2026 results on Oct 27, 2026
Board Change • May 28High number of new directorsIndependent Non-Executive Director Michael Andres Gorriz was the last director to join the board, commencing their role in 2024.
お知らせ • May 22Temenos Sets New Benchmark for Scalability of Ai-Powered Banking with Microsoft AzureTemenos announced the results of a highwater benchmark for its cloud-native core banking solutions running on Microsoft Azure. The results will be presented at the Temenos Community Forum 2025. The record-setting benchmark showcased the speed and efficiency of Temenos' latest technology in handling high volumes of digital transactions and AI services, delivering maximum scalability with a minimal cloud footprint. The benchmark simulated a bank with 25 million customers and 50 million accounts processing 16,600 transactions per second while taking additional AI workloads. It tested the full end-to-end capabilities of Temenos' banking solutions, including core and digital banking, payments, data hub and AI services on Microsoft Azure. Thanks to advances in Temenos' leaner, more sustainable architecture and Microsoft Azure Cobalt 100 ARM processors, the test showed over 40% improvement in efficiency compared to the 2024 benchmark exercise. These results highlight the power of Temenos' banking solutions to process large volumes of transactions and data quickly and securely, using less hardware. This helps banks of all sizes scale on demand, and maintain peak performance and availability, while meeting the growing demand for AI and Gen AI-powered services. The benchmark also tested banking APIs through Microsoft Open AI Service interfaces to ensure it meets banking customers' AI and Gen AI demand in the future. According to a recent Hanover Research survey for Temenos, 75% of banks are exploring Generative AI deployment, while 82% are investing in technology to improve operating efficiency. Among banks already deploying Gen AI or exploring opportunities, 43% plan to increase their investment in the technology this year compared to last year.
お知らせ • May 20Temenos Launches Gen Ai Copilot for Banks to Deliver Better Products FasterAt the Temenos Community Forum ’25 in Madrid, Temenos launched the Temenos Product Manager Copilot, empowering banks to design, launch, test and optimize financial products faster using Generative AI. Temenos Product Manager Copilot is a Gen AI assistant that integrates Microsoft Azure OpenAI Service and is embedded within the Temenos Retail core banking solution. It provides a simple, conversational way for product, IT and Customer Service managers to explore the full breadth of Temenos’ core banking functionality and data insights, helping banks design and launch retail products faster, easier, and make them more relevant to their customers. Temenos Product Manager Copilot is offered as part of Temenos retail accounts advanced and enterprise product offerings. Temenos core banking solutions are trusted by over 950 banks worldwide, from large multinational institutions to smaller regional banks. Temenos core banking offers extensive out-of-the-box functionality and a comprehensive suite of pre-configured products. With Temenos Product Manager Copilot, product managers can leverage either the built-in user agents or interact through familiar channels like Microsoft Teams for building, testing and launching new products. This Gen AI tool also allows them to quickly gain business insights without having to write complicated queries from their core banking data and drive strategic decisions. Integrating Azure OpenAI Service enables Temenos Product Manager Copilot to surface insights from the bank’s core data, documentation and regulatory landscape. The solution is flexible by design to allow easy integrations with new AI agents based on bank-specific data sources, as well as existing AI agents already in use. In addition, Azure OpenAI Service provides enterprise-class availability, scaling, security and confidentiality for customer data. According to a recent study for Temenos, three quarters (75%) of banks are exploring Gen AI deployment with 36% having already deployed or in the process of deploying it. Additionally, 73% believe that agentic AI will be transformative for the banking industry.