Temenos AG

BIT:1TEMN Stock Report

Market Cap: €4.8b

Temenos Valuation

Is 1TEMN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 1TEMN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

€64.76
Fair Value
11.2% overvalued intrinsic discount
15
Number of Analysts

Below Fair Value: 1TEMN (€69.5) is trading above our estimate of fair value (€63.94)

Significantly Below Fair Value: 1TEMN is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 1TEMN?

Key metric: As 1TEMN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 1TEMN. This is calculated by dividing 1TEMN's market cap by their current earnings.
What is 1TEMN's PE Ratio?
PE Ratio18.6x
EarningsUS$301.59m
Market CapUS$5.60b

Price to Earnings Ratio vs Peers

How does 1TEMN's PE Ratio compare to its peers?

The above table shows the PE ratio for 1TEMN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.1x
TXT TXT e-solutions
24.8x22.03%€446.7m
SYS SYS-DAT
27.6x16.43%€187.7m
AIW Almawave
16.8x12.93%€128.6m
REY Reply
19.2x9.01%€4.5b
1TEMN Temenos
18.6x-6.25%€4.5b

Price-To-Earnings vs Peers: 1TEMN is good value based on its Price-To-Earnings Ratio (18.6x) compared to the peer average (22.1x).

Price to Earnings Ratio vs Industry

How does 1TEMN's PE Ratio compare vs other companies in the European Software Industry?

7 CompaniesPrice / EarningsEstimated GrowthMarket Cap
1TEMN 18.6xIndustry Avg. 28.8xNo. of Companies21PE020406080100+
7 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 1TEMN is good value based on its Price-To-Earnings Ratio (18.6x) compared to the European Software industry average (29x).

Price to Earnings Ratio vs Fair Ratio

What is 1TEMN'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.

1TEMN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio18.6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 1TEMN'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 1TEMN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€69.50
€75.39
+8.48%
15.68%€97.65€52.68n/a15
Oct ’26€68.50
€74.66
+8.99%
15.70%€96.65€52.14n/a15
Sep ’26€76.00
€75.49
-0.67%
14.67%€96.96€52.30n/a15
Aug ’26€78.50
€76.16
-2.99%
15.65%€97.94€52.84n/a15
Jul ’26€60.00
€71.11
+18.52%
16.89%€93.95€47.02n/a16
Jun ’26€65.50
€72.76
+11.09%
17.17%€97.56€48.83n/a16
May ’26n/a
€73.97
0%
16.80%€98.11€49.10n/a16
Apr ’26n/a
€77.98
0%
14.79%€102.67€55.37n/a16
Mar ’26n/a
€80.26
0%
15.15%€107.94€57.08n/a16
Feb ’26n/a
€75.26
0%
14.98%€96.02€55.14n/a16
Jan ’26n/a
€72.99
0%
14.91%€93.67€55.15n/a16
Dec ’25n/a
€71.09
0%
14.87%€91.74€54.02n/a16
Nov ’25n/a
€69.34
0%
15.56%€90.51€52.75n/a16
Oct ’25n/a
€68.69
0%
17.20%€91.50€52.02€68.5015
Sep ’25n/a
€69.29
0%
16.82%€93.27€53.03€76.0015
Aug ’25n/a
€70.14
0%
16.61%€94.24€53.58€78.5015
Jul ’25n/a
€71.81
0%
20.11%€101.90€53.95€60.0015
Jun ’25n/a
€70.82
0%
20.25%€100.63€53.28€65.5015
May ’25n/a
€72.48
0%
19.98%€102.05€54.03n/a15
Apr ’25n/a
€76.71
0%
19.75%€106.00€58.66n/a15
Mar ’25n/a
€78.70
0%
19.26%€105.80€58.56n/a15
Feb ’25n/a
€86.35
0%
16.47%€107.18€62.59n/a15
Jan ’25n/a
€74.36
0%
17.75%€104.24€48.83n/a16
Dec ’24n/a
€72.32
0%
17.01%€103.15€48.32n/a16
Nov ’24n/a
€73.89
0%
17.39%€105.84€49.78n/a16
Oct ’24n/a
€74.95
0%
18.76%€109.15€51.33n/a16
€75.73
Fair Value
4.9% undervalued intrinsic discount
15
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 Analysis2025/10/10 10:22
End of Day Share Price 2025/10/10 00:00
Earnings2025/06/30
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 42 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
Christoph WirtzBank am Bellevue