View Future GrowthTemenos 과거 순이익 실적과거 기준 점검 4/6Temenos은 연평균 10.8%의 비율로 수입이 증가해 온 반면, Software 산업은 수입이 13.4% 증가했습니다. 매출은 연평균 3.5%의 비율로 증가했습니다. Temenos의 자기자본이익률은 70.2%이고 순이익률은 26.2%입니다.핵심 정보10.84%순이익 성장률11.65%주당순이익(EPS) 성장률Software 산업 성장률14.86%매출 성장률3.49%자기자본이익률70.19%순이익률26.21%다음 순이익 업데이트22 Jul 2026최근 과거 실적 업데이트Reported 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.모든 업데이트 보기Recent updates공시 • Jun 09Temenos AG (SWX:TEMN) entered into a definitive agreement to acquire additiv AG from BZ Bank, Investment Arm and Patinex AG, management, Board of Directors and employees and other shareholders.Temenos AG (SWX:TEMN) entered into a definitive agreement to acquire additiv AG from BZ Bank, Investment Arm and Patinex AG, management, Board of Directors and employees and other shareholders on June 8, 2026. The consideration paid 50% in cash and 50% in equity. The transaction is subject to customary closing conditions. Completion is expected in early Q3-26. The transaction is expected to be marginally accretive to Temenos’ FY-26 ARR and non-IFRS subscription and SaaS guidance. Dieter Gericke and Daniel Häusermann of Homburger acted as legal advisor for Temenos AG. IFBC AG acted as fairness opinion provider for Temenos AG.공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.매출 및 비용 세부 내역Temenos가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이WBAG:TEMN 매출, 비용 및 순이익 (USD Millions)날짜매출순이익일반관리비연구개발비31 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 15507761460양질의 수익: TEMN는 $103.0M 규모의 큰 일회성 이익이 있어 31st March, 2026까지 지난 12개월 재무 결과에 영향을 미쳤습니다.이익 마진 증가: TEMN의 현재 순 이익률 (26.2%)은 지난해 (16.6%)보다 높습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: TEMN의 수익은 지난 5년 동안 연평균 10.8% 증가했습니다.성장 가속화: 지난 1년간 TEMN 의 수익 증가율(67.5%)은 연간 평균(10.8%)을 초과합니다.수익 대 산업: TEMN의 지난 1년 수익 증가율(67.5%)은 Software 업계의 10.6%를 상회했습니다.자기자본이익률높은 ROE: TEMN의 자본 수익률(70.19%)은 뛰어남이지만 높은 부채 수준으로 인해 왜곡되어 있습니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YSoftware 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/07/08 20:49종가2026/07/08 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 세부 정보는 당사의 Github 페이지에서 확인하실 수 있으며, 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Temenos AG는 30명의 분석가가 다루고 있습니다. 이 중 15명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Alexander ToutArete Research Services LLPKnut WollerBaader Helvea Equity ResearchRaimo LenschowBarclays27명의 분석가 더 보기
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.
공시 • Jun 09Temenos AG (SWX:TEMN) entered into a definitive agreement to acquire additiv AG from BZ Bank, Investment Arm and Patinex AG, management, Board of Directors and employees and other shareholders.Temenos AG (SWX:TEMN) entered into a definitive agreement to acquire additiv AG from BZ Bank, Investment Arm and Patinex AG, management, Board of Directors and employees and other shareholders on June 8, 2026. The consideration paid 50% in cash and 50% in equity. The transaction is subject to customary closing conditions. Completion is expected in early Q3-26. The transaction is expected to be marginally accretive to Temenos’ FY-26 ARR and non-IFRS subscription and SaaS guidance. Dieter Gericke and Daniel Häusermann of Homburger acted as legal advisor for Temenos AG. IFBC AG acted as fairness opinion provider for Temenos AG.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.