Temenos stock
TEMN.SWSIXTemenos AG, TechnologyISIN CH0012453913
73Score 73 out of 100, Strong
Price and trend
83 / 100
Price history
+5.6% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 12% above it.
Since October 2026 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 64).
The price is 6.4% below its 52-week high. Largest decline in 20 years: 78% (November 2007 to March 2009).
Chart figures for advanced users
- SMA 50$85.95
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$84.67
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)64
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$73.58
- The lowest closing price of the last twelve months.
- Resistance$101.66
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Temenos AG belongs to the Software (Application) industry (Switzerland) and, with a market value of $6.41B, is number 65 of 188 companies in its industry on MEQIRI.
- In fiscal 2025 it reported revenue of $1.14B (up 9.4% year on year) and earnings of $293.96M (up 65.9%).
- MEQIRI Score 73 out of 100 (Strong): rank 171 of 854 in Technology, median 61.
Show more
- The P/E is 30.9 (Software (Application) median 31.3, own median of recent years 49.6).
- Our model puts fair value at $83.20, with the price 14% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on capitalReturn on invested capital 38.1% in fiscal 2025, Software (Application) median 3.9%.Profitability 93
- Earnings turn into cashFree cash flow 166% of earnings over the last 12 months.Fundamentals 100
- Reliable dividendNo dividend cut for 13 years.Capital allocation 82
Weaknesses
- High debtDebt 1.72 times equity (latest quarter), Software (Application) median 0.35.Stability 49
Its standout strengths are fundamentals and profitability, while growth and valuation hold the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Fundamentals are strong, with stable profits and strong cash generation.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What lowers it
- solid fundamentals
- price near its 52-week high
Valuation
Valuation signal
Fairly valuedIn our model the price counts as cheap below $64.00 and expensive above $118.85 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $70.09 (cash-flow model) and $96.30 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 9.9%. At 10.9% the fair value would be $78.81, at 8.9% it would be $89.28.
Valuation metrics
Half from the cash-flow model, half from earnings times the industry P/E (31.3).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue rose 3.6% on the twelve months before. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Gross margin
- Operating margin
- Net margin
In fiscal 2025: gross 73%, operating 45%, net 26%. Last 12 months: net 19%.
Debt & balance sheet
latest quarterMeaningfully leveraged, but the interest bill is comfortably covered.
Earnings
- Next earnings
- 23 Feb 2027in 102 days
- Last reported
- 27 Oct 2026EPS reported 1.01 (expected 0.96)above expectations
Analyst estimates
Earnings estimates have barely changed since 15 Oct 2026.
- Earnings per share
- 4.39−1.9%
- Revenue
- $1.16B−1.5%
- Earnings per share
- 4.85−1.5%
- Revenue
- $1.24B−1.5%
MEQIRI has stored the estimates since 15 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook raised
Share price after the results: +0.2%Temenos raised its 2026 guidance for EBIT growth to 12% (up from 9%) and EPS growth to 10% (up from 7%), while confirming other targets such as 12% ARR growth and 9% subscription and SaaS revenue growth.
“We have raised our full year guidance for non-IFRS EBIT growth of 12%, up from 9%, and EPS growth of 10% up from 7%. We reconfirm guidance of 12% ARR growth, 9% subscription and SaaS revenue growth, and 16% free cash flow growth.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 27 Oct 2026 (fiscal Q3 2026), read by AI.
What happened at Temenos
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
854 rated companies in Technology
- This company
- 73
- Sector median
- 61
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Software (Application)
The next larger and next smaller companies by market value
- Shanghai Baosight Software600845.SS $6.89B45
- Commvault SystemsCVLT $6.8B62
- Horizon Robotics9660.HK $6.74B43
- NavanNAVN $6.43B50
- RingCentralRNG $6.36B63
- LyftLYFT $6.28B47
- Dolby LaboratoriesDLB $6.05B71
- KlaviyoKVYO $6.01B47
ETFs that hold Temenos
Held by 40 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| Fidelity Europe Quality Income UCITS ETF INC-EURFEUI | 0.65% | 0.30% | €75.69M |
| iShares STOXX Europe Small 200 UCITS ETF (DE)EXSE | 0.63% | 0.20% | €632.25M |
| iShares STOXX Europe 600 Technology UCITS ETF (DE)EXV3 | 0.58% | 0.46% | €226.6M |
Show 5 more
| Ossiam Europe ESG Machine LearningOSX4 | 0.54% | 0.65% | €68.34M |
| Amundi MSCI Europe Small Cap ESG Broad Transition UCITS ETF DistX026 | 0.35% | 0.23% | €321.86M |
| Ossiam STOXX Europe 600 Equal Weight NR UCITS ETFOSX6 | 0.27% | 0.30% | €216.61M |
| Fidelity Global Quality Income UCITS ETF INC-USDFGEQ | 0.26% | 0.40% | €1.03B |
| Xtrackers MSCI Europe Small Cap UCITS ETF 1CXXSC | 0.25% | 0.30% | €3.45B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = CHF 0.8331)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 15 Oct 2026)
- Valuation signal Fairly valued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.