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Temenos AGSWX:TEMN Stock Report

Market Cap CHF 5.1b
Share Price
CHF 76.00
My Fair Value
CHF 72.63
4.6% overvalued intrinsic discount
1Y27.2%
7D20.8%
Portfolio Value
View

Temenos AG

SWX:TEMN Stock Report

Market Cap: CHF 5.1b

TEMN Community Fair Values

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Temenos AG Competitors

Price History & Performance

Summary of share price highs, lows and changes for Temenos
Historical stock prices
Current Share PriceCHF 76.00
52 Week HighCHF 81.10
52 Week LowCHF 55.00
Beta0.84
1 Month Change18.38%
3 Month Change3.90%
1 Year Change27.20%
3 Year Change37.13%
5 Year Change-28.81%
Change since IPO268.93%

Recent News & Updates

Is Now An Opportune Moment To Examine Temenos AG (VTX:TEMN)?

Oct 01
Is Now An Opportune Moment To Examine Temenos AG (VTX:TEMN)?

Temenos' (VTX:TEMN) Promising Earnings May Rest On Soft Foundations

Sep 19
Temenos' (VTX:TEMN) Promising Earnings May Rest On Soft Foundations

Recent updates

Is Now An Opportune Moment To Examine Temenos AG (VTX:TEMN)?

Oct 01
Is Now An Opportune Moment To Examine Temenos AG (VTX:TEMN)?

Temenos' (VTX:TEMN) Promising Earnings May Rest On Soft Foundations

Sep 19
Temenos' (VTX:TEMN) Promising Earnings May Rest On Soft Foundations

Temenos (VTX:TEMN) Seems To Use Debt Rather Sparingly

Aug 24
Temenos (VTX:TEMN) Seems To Use Debt Rather Sparingly

Does Temenos (VTX:TEMN) Deserve A Spot On Your Watchlist?

Aug 11
Does Temenos (VTX:TEMN) Deserve A Spot On Your Watchlist?

There's Reason For Concern Over Temenos AG's (VTX:TEMN) Massive 26% Price Jump

Jul 30
There's Reason For Concern Over Temenos AG's (VTX:TEMN) Massive 26% Price Jump

The Return Trends At Temenos (VTX:TEMN) Look Promising

Jul 01
The Return Trends At Temenos (VTX:TEMN) Look Promising

Temenos (VTX:TEMN) Has A Pretty Healthy Balance Sheet

May 08
Temenos (VTX:TEMN) Has A Pretty Healthy Balance Sheet

Results: Temenos AG Beat Earnings Expectations And Analysts Now Have New Forecasts

Apr 25
Results: Temenos AG Beat Earnings Expectations And Analysts Now Have New Forecasts

Temenos (VTX:TEMN) Is Paying Out A Larger Dividend Than Last Year

Apr 17
Temenos (VTX:TEMN) Is Paying Out A Larger Dividend Than Last Year

Some Confidence Is Lacking In Temenos AG's (VTX:TEMN) P/E

Apr 16
Some Confidence Is Lacking In Temenos AG's (VTX:TEMN) P/E

Should You Think About Buying Temenos AG (VTX:TEMN) Now?

Mar 20
Should You Think About Buying Temenos AG (VTX:TEMN) Now?

Temenos AG Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Feb 21
Temenos AG Just Beat Earnings Expectations: Here's What Analysts Think Will Happen Next

Returns At Temenos (VTX:TEMN) Appear To Be Weighed Down

Jan 27
Returns At Temenos (VTX:TEMN) Appear To Be Weighed Down

Temenos AG's (VTX:TEMN) Share Price Not Quite Adding Up

Dec 30
Temenos AG's (VTX:TEMN) Share Price Not Quite Adding Up

Shareholder Returns

TEMNCH SoftwareCH Market
7D20.8%-5.7%-1.6%
1Y27.2%-1.0%2.5%

Return vs Industry: TEMN exceeded the Swiss Software industry which returned -1% over the past year.

Return vs Market: TEMN exceeded the Swiss Market which returned 2.5% over the past year.

Price Volatility

Is TEMN's price volatile compared to industry and market?
TEMN volatility
TEMN Average Weekly Movement7.7%
Software Industry Average Movement5.9%
Market Average Movement3.3%
10% most volatile stocks in CH Market7.5%
10% least volatile stocks in CH Market1.6%

Stable Share Price: TEMN's share price has been volatile over the past 3 months compared to the Swiss market.

Volatility Over Time: TEMN's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of Swiss stocks.

About the Company

FoundedEmployeesCEOWebsite
19936,239Takis Spiliopouloswww.temenos.com

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial services institutions. It provides Temenos SaaS, an enterprise service for retail banking, business and corporate banking, and wealth; Temenos AI that helps banks adopt responsible AI practices by providing explainability, security, safe deployment, and banking-specific capabilities; Temenos Digital that accelerates its digital transformation initiatives; Temenos Core, a platform that allows clients have access to core banking capabilities; Temenos Banking Platform, a single code and platform; and Temenos Exchange that offers a selection of curated, assessed, and integrated tech partners that help to include fintech services. The company also offers end-to-end retail banking solution, such as an open and cloud-native platform for agile retail banking transformation; corporate and commercial banking solution that enables transaction initiation across trade finance, lending, payments, supply chain finance, and cash sweeping, as well as addresses the need for automation enabling banks to create services; end-to-end business banking solution, a cloud-agnostic front to back solution that enables financial institutions to deliver tangible value to small and medium businesses from onboarding to origination, digital and face to face servicing, advisory and cross-sell for accounts, and lending and asset finance; end-to-end wealth management solution, a de facto software solution for the private wealth management industry; temenos payments solution that offers next-gen payment processing; and Temenos Multifonds, a fund accounting and investor servicing solution on SaaS.

Temenos AG Fundamentals Summary

How do Temenos's earnings and revenue compare to its market cap?
TEMN fundamental statistics
Market capCHF 5.14b
Earnings (TTM)CHF 252.73m
Revenue (TTM)CHF 878.32m
20.7x
P/E Ratio
6.0x
P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
TEMN income statement (TTM)
RevenueUS$1.10b
Cost of RevenueUS$289.43m
Gross ProfitUS$805.68m
Other ExpensesUS$490.58m
EarningsUS$315.11m

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

Feb 24, 2026

Earnings per share (EPS)4.57
Gross Margin73.57%
Net Profit Margin28.77%
Debt/Equity Ratio204.0%

How did TEMN perform over the long term?

See historical performance and comparison

Dividends

1.5%
Current Dividend Yield
34%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/10/30 18:29
End of Day Share Price 2025/10/30 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Temenos AG is covered by 32 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Alexander ToutArete Research Services LLP
Knut WollerBaader Helvea Equity Research
Raimo LenschowBarclays