Temenos AG

SWX:TEMN Stock Report

Market Cap: CHF 5.0b

Temenos Valuation

Is TEMN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of TEMN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: TEMN (CHF73.1) is trading below our estimate of future cash flow value (CHF75.18)

Significantly Below Future Cash Flow Value: TEMN is trading below future cash flow value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for TEMN?

Key metric: As TEMN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for TEMN. This is calculated by dividing TEMN's market cap by their current earnings.
What is TEMN's PE Ratio?
PE Ratio20.2x
EarningsUS$315.11m
Market CapUS$6.36b

Price to Earnings Ratio vs Peers

How does TEMN's PE Ratio compare to its peers?

The above table shows the PE ratio for TEMN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average51.5x
DBX Dropbox
13.4x0.69%US$6.7b
688318 Shenzhen Fortune Trend Technology
106.4xn/aCN¥37.1b
300496 Thunder Software TechnologyLtd
73.7x22.78%CN¥35.4b
NICE NICE
12.4x1.83%₪22.0b
TEMN Temenos
20.2x-10.36%CHF 5.0b

Price-To-Earnings vs Peers: TEMN is good value based on its Price-To-Earnings Ratio (20.2x) compared to the peer average (51.6x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does TEMN's PE Ratio compare vs other companies in the European Software Industry?

9 CompaniesPrice / EarningsEstimated GrowthMarket Cap
TEMN 20.2xIndustry Avg. 26.3xNo. of Companies18PE020406080100+
9 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: TEMN is good value based on its Price-To-Earnings Ratio (20.2x) compared to the European Software industry average (26.6x).

Price to Earnings Ratio vs Fair Ratio

What is TEMN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

TEMN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio20.2x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate TEMN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst TEMN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCHF 73.10
CHF 77.46
+5.96%
17.90%CHF 105.23CHF 55.97n/a16
Jan ’27CHF 79.60
CHF 74.23
-6.75%
17.62%CHF 100.91CHF 53.00n/a15
Dec ’26CHF 73.10
CHF 74.07
+1.33%
17.19%CHF 102.20CHF 53.68n/a15
Nov ’26CHF 75.85
CHF 73.13
-3.59%
16.82%CHF 102.38CHF 53.77n/a15
Oct ’26CHF 63.55
CHF 69.85
+9.92%
15.74%CHF 90.36CHF 48.76n/a15
Sep ’26CHF 71.35
CHF 70.69
-0.93%
14.72%CHF 90.72CHF 48.95n/a15
Aug ’26CHF 73.15
CHF 70.99
-2.95%
15.64%CHF 91.28CHF 49.26n/a15
Jul ’26CHF 56.05
CHF 66.43
+18.52%
16.89%CHF 87.77CHF 43.93n/a16
Jun ’26CHF 61.05
CHF 67.97
+11.33%
17.17%CHF 91.13CHF 45.61n/a16
May ’26CHF 59.00
CHF 69.28
+17.43%
16.80%CHF 91.89CHF 45.99n/a16
Apr ’26CHF 70.85
CHF 74.37
+4.96%
14.79%CHF 97.91CHF 52.80n/a16
Mar ’26CHF 73.85
CHF 75.36
+2.04%
15.15%CHF 101.35CHF 53.60n/a16
Feb ’26CHF 77.95
CHF 71.04
-8.86%
14.98%CHF 90.65CHF 52.06n/a16
Jan ’26CHF 64.10
CHF 68.12
+6.28%
14.91%CHF 87.43CHF 51.48CHF 79.6016
Dec ’25CHF 57.85
CHF 66.23
+14.49%
14.87%CHF 85.48CHF 50.33CHF 73.1016
Nov ’25CHF 60.15
CHF 65.41
+8.75%
15.56%CHF 85.39CHF 49.76CHF 75.8516
Oct ’25CHF 57.85
CHF 64.73
+11.89%
17.20%CHF 86.22CHF 49.02CHF 63.5515
Sep ’25CHF 59.10
CHF 65.22
+10.36%
16.82%CHF 87.78CHF 49.91CHF 71.3515
Aug ’25CHF 60.90
CHF 67.03
+10.06%
16.61%CHF 90.05CHF 51.20CHF 73.1515
Jul ’25CHF 62.50
CHF 69.63
+11.41%
20.11%CHF 98.81CHF 52.31CHF 56.0515
Jun ’25CHF 58.00
CHF 69.93
+20.58%
20.25%CHF 99.37CHF 52.61CHF 61.0515
May ’25CHF 57.50
CHF 70.75
+23.04%
19.98%CHF 99.62CHF 52.74CHF 59.0015
Apr ’25CHF 64.48
CHF 75.14
+16.53%
19.75%CHF 103.82CHF 57.46CHF 70.8515
Mar ’25CHF 66.78
CHF 75.08
+12.43%
19.26%CHF 100.93CHF 55.86CHF 73.8515
Feb ’25CHF 88.26
CHF 80.67
-8.60%
16.47%CHF 100.14CHF 58.48CHF 77.9515
Jan ’25CHF 78.22
CHF 70.42
-9.97%
17.75%CHF 98.71CHF 46.24CHF 64.1016
CHF 77.46
Fair Value
5.6% undervalued intrinsic discount
16
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/01/21 08:19
End of Day Share Price 2026/01/21 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. 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