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Temenos AG TMSNY

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98.09 USD +4.94 (+5.30%)

At closeNov 4, 2026, 4:00 PM EST

98.09 Day range 98.09
74.88 52-week range 107.27
YTD
-1.94%
1 year
+5.02%

Financial health

Altman Z-Score

3.92 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 4
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 2
  • P/B 1

Valuation

P/E 24.5×
FY 2016: 40.9×FY 2017: 65.1×FY 2018: 49.9×FY 2019: 61.2×FY 2020: 58.3×FY 2021: 56.8×FY 2022: 34.3×FY 2023: 50.0×FY 2024: 28.5×FY 2025: 24.5×
FY 2016 5y median 34.3× FY 2025
P/S 6.3×
FY 2016: 7.5×FY 2017: 12.2×FY 2018: 10.0×FY 2019: 11.4×FY 2020: 11.5×FY 2021: 10.2×FY 2022: 4.1×FY 2023: 6.7×FY 2024: 4.8×FY 2025: 6.3×
FY 2016 5y median 6.3× FY 2025
P/B 14.5×
FY 2016: 11.9×FY 2017: 23.7×FY 2018: 28.2×FY 2019: 24.9×FY 2020: 19.5×FY 2021: 20.8×FY 2022: 6.8×FY 2023: 9.9×FY 2024: 7.9×FY 2025: 14.5×
FY 2016 5y median 9.9× FY 2025
P/FCF 20.6×
FY 2016: 24.9×FY 2017: 39.7×FY 2018: 30.1×FY 2019: 41.3×FY 2020: 34.3×FY 2021: 27.5×FY 2022: 20.4×FY 2023: 27.8×FY 2024: 17.7×FY 2025: 20.6×
FY 2016 5y median 20.6× FY 2025
EV/EBITDA 12.2×
FY 2016: 21.9×FY 2017: 35.3×FY 2018: 28.3×FY 2019: 32.5×FY 2020: 28.6×FY 2021: 27.9×FY 2022: 14.8×FY 2023: 22.3×FY 2024: 15.6×FY 2025: 12.2×
FY 2016 5y median 15.6× FY 2025
EV/Sales 6.9×
FY 2016: 7.8×FY 2017: 12.6×FY 2018: 10.6×FY 2019: 12.4×FY 2020: 12.5×FY 2021: 11.0×FY 2022: 4.9×FY 2023: 7.4×FY 2024: 5.4×FY 2025: 6.9×
FY 2016 5y median 6.9× FY 2025
FCF Yield 4.8%
FY 2016: 4.0%FY 2017: 2.5%FY 2018: 3.3%FY 2019: 2.4%FY 2020: 2.9%FY 2021: 3.6%FY 2022: 4.9%FY 2023: 3.6%FY 2024: 5.7%FY 2025: 4.8%
FY 2016 5y median 4.8% FY 2025

Profitability

Gross Margin 73.5%
FY 2016: 69.8%FY 2017: 71.9%FY 2018: 72.7%FY 2019: 72.8%FY 2020: 66.3%FY 2021: 66.3%FY 2022: 66.5%FY 2023: 70.9%FY 2024: 72.1%FY 2025: 73.5%
FY 2016 5y median 70.9% FY 2025
Operating Margin 44.6%
FY 2016: 23.5%FY 2017: 24.2%FY 2018: 26.0%FY 2019: 24.2%FY 2020: 26.3%FY 2021: 24.6%FY 2022: 17.2%FY 2023: 19.9%FY 2024: 22.1%FY 2025: 44.6%
FY 2016 5y median 22.1% FY 2025
Net Margin 25.7%
FY 2016: 18.3%FY 2017: 18.8%FY 2018: 20.0%FY 2019: 18.6%FY 2020: 19.7%FY 2021: 17.9%FY 2022: 12.0%FY 2023: 13.5%FY 2024: 17.0%FY 2025: 25.7%
FY 2016 5y median 17.0% FY 2025
ROE 59.0%
FY 2016: 29.0%FY 2017: 36.5%FY 2018: 56.3%FY 2019: 40.7%FY 2020: 33.4%FY 2021: 36.5%FY 2022: 19.8%FY 2023: 19.7%FY 2024: 27.7%FY 2025: 59.0%
FY 2016 5y median 27.7% FY 2025
ROIC 28.8%
FY 2016: 16.1%FY 2017: 17.6%FY 2018: 16.0%FY 2019: 11.5%FY 2020: 12.0%FY 2021: 12.4%FY 2022: 8.4%FY 2023: 9.8%FY 2024: 13.4%FY 2025: 28.8%
FY 2016 5y median 12.4% FY 2025
ROA 12.5%
FY 2016: 9.9%FY 2017: 10.9%FY 2018: 10.2%FY 2019: 7.8%FY 2020: 7.9%FY 2021: 7.8%FY 2022: 5.1%FY 2023: 5.8%FY 2024: 7.8%FY 2025: 12.5%
FY 2016 5y median 7.8% FY 2025

Growth (YoY)

Revenue 5.0%
FY 2016: 16.9%FY 2017: 16.0%FY 2018: 14.3%FY 2019: 15.6%FY 2020: -8.7%FY 2021: 9.0%FY 2022: -1.8%FY 2023: 5.3%FY 2024: 4.4%FY 2025: 5.0%
FY 2016 FY 2025
Operating Income 111.6%
FY 2016: 54.2%FY 2017: 19.5%FY 2018: 22.7%FY 2019: 7.6%FY 2020: -0.8%FY 2021: 1.9%FY 2022: -31.4%FY 2023: 22.0%FY 2024: 16.0%FY 2025: 111.6%
FY 2016 FY 2025
EPS (diluted) 65.4%
FY 2016: 69.5%FY 2017: 18.0%FY 2018: 21.6%FY 2019: 6.5%FY 2020: -2.8%FY 2021: 0.4%FY 2022: -33.8%FY 2023: 16.4%FY 2024: 31.4%FY 2025: 65.4%
FY 2016 FY 2025
Free Cash Flow 17.6%
FY 2016: 18.8%FY 2017: 18.8%FY 2018: 23.2%FY 2019: -4.0%FY 2020: 10.6%FY 2021: 20.6%FY 2022: -46.1%FY 2023: 25.7%FY 2024: 17.5%FY 2025: 17.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.6×
FY 2016: 0.9×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
Quick Ratio 0.6×
FY 2016: 1.4×FY 2017: 1.0×FY 2018: 1.5×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 0.5×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.5× FY 2025
Debt / Equity 1.7×
FY 2016: 0.9×FY 2017: 1.2×FY 2018: 2.7×FY 2019: 2.6×FY 2020: 1.9×FY 2021: 2.0×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.7×
FY 2016 5y median 1.5× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 0.8×FY 2017: 1.0×FY 2018: 1.7×FY 2019: 2.7×FY 2020: 2.2×FY 2021: 2.1×FY 2022: 2.4×FY 2023: 2.0×FY 2024: 1.7×FY 2025: 1.0×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 27.3×
FY 2016: 8.8×FY 2017: 10.7×FY 2018: 9.0×FY 2019: 8.6×FY 2020: 7.5×FY 2021: 9.0×FY 2022: 5.8×FY 2023: 6.9×FY 2024: 9.9×FY 2025: 27.3×
FY 2016 5y median 9.0× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 0.7%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.5%FY 2020: 0.6%FY 2021: 0.7%FY 2022: 1.9%FY 2023: 1.3%FY 2024: 1.9%FY 2025: 1.6%
FY 2016 5y median 1.6% FY 2025
Payout Ratio 39.4%
FY 2016: 27.4%FY 2017: 28.5%FY 2018: 27.4%FY 2019: 28.9%FY 2020: 36.2%FY 2021: 41.2%FY 2022: 65.0%FY 2023: 65.5%FY 2024: 54.7%FY 2025: 39.4%
FY 2016 5y median 54.7% FY 2025

Annual · latest fiscal year ends 2025-12-31