Temenos AG TEMN.SW
Composite 43/100; the shares have moved about 36% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Growth ranks 16/100 — a strong mark against it.
Quality ranks 80/100 — a strong point in its favour. Income ranks 58/100 — a slight point in its favour.
Growth ranks 16/100 — a strong mark against it. Balance-sheet strength ranks 22/100 — a strong mark against it. Valuation ranks 37/100 — a moderate mark against it.
What the company does Temenos AG develops and licenses integrated banking software to financial institutions globally. Its solutions cover retail, corporate, and wealth management, delivered via product licensing, hosting, and implementation services.
Key financials Temenos reports strong profitability with ROE 42.8%, ROA 7.5%, and ROCE 30.6%. Margins are robust: gross 69.2%, operating 32.2%, and net 17.5%. However, revenue growth is negative at -1.4% and EPS growth is down -56.8%.
Stock health Quality is high (Sideravia 80.4), but growth (33.9) and momentum (33.9) lag. The Piotroski F-Score is 6/9 and Altman Z is 3.27, indicating moderate financial health. Leverage is elevated (Debt/Equity 2.26).
Price vs fair value The stock trades at a discount to both our fair-value estimate and analyst target. - Valuation percentile 45.5/100 suggests fair value (Sideravia). - Forward P/E 16.86 vs trailing 19.88 signals potential undervaluation (Valuation). - Weak momentum (12m -4.29%) may cap upside despite strong profitability (Momentum).
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.