Temenos Balance Sheet Health
Financial Health criteria checks 2/6
Temenos has a total shareholder equity of $415.0M and total debt of $781.6M, which brings its debt-to-equity ratio to 188.3%. Its total assets and total liabilities are $2.2B and $1.8B respectively. Temenos's EBIT is $264.5M making its interest coverage ratio 36.5. It has cash and short-term investments of $136.7M.
Key information
188.33%
Debt to equity ratio
US$781.63m
Debt
| Interest coverage ratio | 36.5x |
| Cash | US$136.67m |
| Equity | US$415.02m |
| Total liabilities | US$1.77b |
| Total assets | US$2.19b |
Recent financial health updates
Is Temenos (VTX:TEMN) Using Too Much Debt?
David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...Temenos (VTX:TEMN) Seems To Use Debt Rather Sparingly
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...Recent updates
Temenos' (VTX:TEMN) Solid Profits Have Weak Fundamentals
Temenos AG ( VTX:TEMN ) announced strong profits, but the stock was stagnant. Our analysis suggests that shareholders...Earnings Beat: Temenos AG Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models
Temenos AG ( VTX:TEMN ) just released its quarterly report and things are looking bullish. Temenos beat earnings, with...Investors Should Be Encouraged By Temenos' (VTX:TEMN) Returns On Capital
Finding a business that has the potential to grow substantially is not easy, but it is possible if we look at a few key...
Digital Banking And Cloud Migration Will Support A Stronger Long Term Outlook
Catalysts About Temenos Temenos provides core banking, payments and SaaS software to banks and financial institutions globally. What are the underlying business or industry changes driving this perspective?Is Temenos (VTX:TEMN) Using Too Much Debt?
David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...Is Now An Opportune Moment To Examine Temenos AG (VTX:TEMN)?
Temenos AG ( VTX:TEMN ), might not be a large cap stock, but it saw a decent share price growth of 15% on the SWX over...Temenos' (VTX:TEMN) Promising Earnings May Rest On Soft Foundations
Despite posting some strong earnings, the market for Temenos AG's ( VTX:TEMN ) stock hasn't moved much. Our analysis...Temenos (VTX:TEMN) Seems To Use Debt Rather Sparingly
Some say volatility, rather than debt, is the best way to think about risk as an investor, but Warren Buffett famously...Does Temenos (VTX:TEMN) Deserve A Spot On Your Watchlist?
SWX:TEMN 1 Year Share Price vs Fair Value Explore Temenos's Fair Values from the Community and select yours Investors...There's Reason For Concern Over Temenos AG's (VTX:TEMN) Massive 26% Price Jump
The Temenos AG ( VTX:TEMN ) share price has done very well over the last month, posting an excellent gain of 26...The Return Trends At Temenos (VTX:TEMN) Look Promising
If you're not sure where to start when looking for the next multi-bagger, there are a few key trends you should keep an...Financial Position Analysis
Short Term Liabilities: TEMN's short term assets ($430.5M) do not cover its short term liabilities ($889.4M).
Long Term Liabilities: TEMN's short term assets ($430.5M) do not cover its long term liabilities ($885.1M).
Debt to Equity History and Analysis
Debt Level: TEMN's net debt to equity ratio (155.4%) is considered high.
Reducing Debt: TEMN's debt to equity ratio has increased from 185.7% to 188.3% over the past 5 years.
Debt Coverage: TEMN's debt is well covered by operating cash flow (46%).
Interest Coverage: TEMN's interest payments on its debt are well covered by EBIT (36.5x coverage).
Balance Sheet
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/19 20:38 |
| End of Day Share Price | 2026/06/19 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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
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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 30 analysts. 15 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Alexander Tout | Arete Research Services LLP |
| Knut Woller | Baader Helvea Equity Research |
| Raimo Lenschow | Barclays |