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Temenos AG
SIX:TEMN

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Temenos AG Logo
Temenos AG
SIX:TEMN
Watchlist
Price: 67.06 CHF 1.15% Market Closed
Updated: Mar 1, 2024

Intrinsic Value

Temenos AG is a holding company, which engages in the development, marketing, and sale of banking software systems. [ Read More ]

The intrinsic value of one TEMN stock under the Base Case scenario is 62.93 CHF. Compared to the current market price of 67.06 CHF, Temenos AG is Overvalued by 6%.

Key Points:
TEMN Intrinsic Value
Base Case
62.93 CHF
Overvaluation 6%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Temenos AG

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Fundamental Analysis

Company Sees Strong Growth and SaaS Expansion
2023-Q4 Earnings Call

Company Sees Strong Growth and SaaS Expansion

The company's subscription business model transition is near completion and underpins an annual recurring revenue (ARR) of $730 million, 84% of product revenue. Growth comes from both new subscriptions, up 40% to $67 million, predominantly from existing clientele, evidencing a solid net retention rate (NRR) of 112%. SaaS revenue is climbing, with a 19% increase in the quarter and 25% annually. Expectations are set for higher software-as-a-service (SaaS) annual contract value (ACV), despite its volatility. Operating cash flow reflects robust deal quality, jumping 26% in 2023; free cash flow reached $114 million in the quarter. With total software licensing rising 6%, the company is confident in its prospects, reflected in a 9% increased dividend proposal and an EBIT margin expansion to 31.3%.

Financials

Balance Sheet Decomposition
Temenos AG

Current Assets 462.9m
Cash & Short-Term Investments 106.9m
Receivables 356m
Non-Current Assets 1.9B
PP&E 58m
Intangibles 1.5B
Other Non-Current Assets 282.3m
Current Liabilities 943.4m
Accounts Payable 204m
Other Current Liabilities 739.4m
Non-Current Liabilities 701.5m
Long-Term Debt 569.7m
Other Non-Current Liabilities 131.8m
Efficiency
Fundamental Scores

TEMN Profitability Score
Profitability Due Diligence

Temenos AG's profitability score is 65/100. The higher the profitability score, the more profitable the company is.

Exceptional 3-Year Average ROE
Positive Gross Profit
Positive Free Cash Flow
Positive Operating Income
65/100
Profitability
Score

Temenos AG's profitability score is 65/100. The higher the profitability score, the more profitable the company is.

TEMN Solvency Score
Solvency Due Diligence

Temenos AG's solvency score is 45/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
Low D/E
Long-Term Solvency
Average Interest Coverage
45/100
Solvency
Score

Temenos AG's solvency score is 45/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

TEMN Price Targets Summary
Temenos AG

Wall Street analysts forecast TEMN stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for TEMN is 73.79 CHF with a low forecast of 56.41 CHF and a high forecast of 105 CHF.

Lowest
Price Target
56.41 CHF
16% Downside
Average
Price Target
73.79 CHF
10% Upside
Highest
Price Target
105 CHF
57% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Shareholder Return

TEMN Price
Temenos AG

1M 1M
-24%
6M 6M
-4%
1Y 1Y
-3%
3Y 3Y
-45%
5Y 5Y
-53%
10Y 10Y
+135%
Annual Price Range
67.06
52w Low
56.7769
52w High
89
Price Metrics
Average Annual Return -17.16%
Standard Deviation of Annual Returns 29.18%
Max Drawdown -72%
Shares Statistics
Market Capitalization 4.8B CHF
Shares Outstanding 72 006 400
Percentage of Shares Shorted
N/A

TEMN Return Decomposition
Main factors of price return

What is price return decomposition?

Company Profile

Temenos AG Logo
Temenos AG

Country

Switzerland

Industry

Technology

Market Cap

4.8B CHF

Dividend Yield

1.85%

Description

Temenos AG is a holding company, which engages in the development, marketing, and sale of banking software systems. The company is headquartered in Geneve, Geneve and currently employs 8,661 full-time employees. The company went IPO on 2001-06-26. Its services include implementation, performance optimization, integration, administration, maintenance, upgrades, training and support for its software solutions. The company offers solutions for retail, corporate, universal, Islamic and microfinance and community banking sectors, as well as for Private Wealth Management. The firm's client base consists of mostly banking and other financial services institutions. Its core products are Temenos T24 Core Banking (T24), a front to back office, Customer Relationship Management (CRM) and product lifecycle management software platform, as well as Front Office, an integrated, role-specific, and multi-channel solution that supports banks’ daily interactions and long term relationships with their retail, corporate, mass affluent, and High-Net-Worth (HNW) customers. The company offers also funds and securities solutions.

Contact

GENEVE
Geneve
2 Rue de l'Ecole-de-Chimie
https://www.temenos.com/

IPO

2001-06-26

Employees

8 661

Officers

Acting Chief Executive Officer
Mr. Andreas Andreades
Chief Financial Officer
Mr. Panagiotis Spiliopoulos CEFA
President of Americas & Member of Management Board
Mr. Philip Barnett
Chief Legal Officer & Member of Management Board
Ms. Deirdre Dempsey-Leclercq
Chief Strategy Officer & Member of Management Board
Ms. Kanika Hope
Chief Operating Officer of Americas
Dr. Colin Jarrett
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President of Product & COO
Ms. Prema Varadhan
Chief Marketing, Environmental, Social & Governance Officer and Member of Management Board
Ms. Kalliopi Chioti
Executive VP, Global Head of SaaS & Partner Ecosystem and Member of Management Board
Mr. Ross Mallace
Chief Cloud Officer & Member of Management Board
Mr. Kamil Alachi
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See Also

Discover More
What is the Intrinsic Value of one TEMN stock?

The intrinsic value of one TEMN stock under the Base Case scenario is 62.93 CHF.

Is TEMN stock undervalued or overvalued?

Compared to the current market price of 67.06 CHF, Temenos AG is Overvalued by 6%.