Temenos AG

SWX:TEMN Stock Report

Market Cap: CHF 5.1b

Temenos Past Earnings Performance

Past criteria checks 4/6

Temenos has been growing earnings at an average annual rate of 10.8%, while the Software industry saw earnings growing at 13.2% annually. Revenues have been growing at an average rate of 3.5% per year. Temenos's return on equity is 70.2%, and it has net margins of 26.2%.

Key information

10.84%

Earnings growth rate

11.65%

EPS growth rate

Software Industry Growth14.86%
Revenue growth rate3.49%
Return on equity70.19%
Net Margin26.21%
Next Earnings Update22 Jul 2026

Recent past performance updates

Analysis Article Apr 28

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...
Analysis Article Sep 19

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...

Recent updates

Analysis Article Apr 28

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...
Analysis Article Apr 24

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...
Analysis Article Feb 02

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...
New Narrative Jan 23

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?
Analysis Article Dec 03

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...
Analysis Article Oct 01

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...
Analysis Article Sep 19

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...
Analysis Article Aug 24

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...
Analysis Article Aug 11

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...
Analysis Article Jul 30

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...
Analysis Article Jul 01

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...

Revenue & Expenses Breakdown

How Temenos makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

SWX:TEMN Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 261,1122913540
31 Dec 251,0912813520
30 Sep 251,0953153300
30 Jun 251,0843023320
31 Mar 251,0461743270
31 Dec 241,0441773210
30 Sep 241,0231443230
30 Jun 241,0131353220
31 Mar 241,0041363200
31 Dec 231,0001353160
30 Sep 239801393390
30 Jun 239561193000
31 Mar 239551172970
31 Dec 229501142900
30 Sep 229621432700
30 Jun 229801702670
31 Mar 229781802590
31 Dec 219671732540
30 Sep 219541842450
30 Jun 219321972110
31 Mar 219071932160
31 Dec 208871752060
30 Sep 209151492400
30 Jun 209331582590
31 Mar 209581602690
31 Dec 199721812770
30 Sep 199221902480
30 Jun 199021882420
31 Mar 198721762390
31 Dec 188411682320
30 Sep 188191582340
30 Jun 187971512270
31 Mar 187661432150
31 Dec 177351382030
30 Sep 176941331920
30 Jun 176681261850
31 Mar 176471221790
31 Dec 166341161750
30 Sep 16612981670
30 Jun 16596861730
31 Mar 16570721670
31 Dec 15543661670
30 Sep 15507761460
30 Jun 15476731410

Quality Earnings: TEMN has a large one-off gain of $103.0M impacting its last 12 months of financial results to 31st March, 2026.

Growing Profit Margin: TEMN's current net profit margins (26.2%) are higher than last year (16.6%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: TEMN's earnings have grown by 10.8% per year over the past 5 years.

Accelerating Growth: TEMN's earnings growth over the past year (67.5%) exceeds its 5-year average (10.8% per year).

Earnings vs Industry: TEMN earnings growth over the past year (67.5%) exceeded the Software industry 10.4%.


Return on Equity

High ROE: Whilst TEMN's Return on Equity (70.19%) is outstanding, this metric is skewed due to their high level of debt.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/08 07:12
End of Day Share Price 2026/05/08 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

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. 15 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