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Temenos

VTX:TEMN · CH0012453913
SoftwareLarge

360

67
EV / EBIT56
Price / Owner Earnings55
Owner Earnings Yield83
Dividend Yield79
Price/Sales12
EV / Gross Profit53
Price/Book1
Return on Capital81
Cash Return on Capital82
Return on Equity94
EBIT Margin78
Gross Profitability59
Cash Conversion19
Accruals72
Owner Earnings Margin91
Sales growth48
Profit Growth94
Long-Term EPS Growth29
Owner Earnings Growth34
Reinvestment54
Price momentum68
Debt load7
Refinancing14
Debt Payback25
Liquidity60
Analyst ratings20
Opinion Changes50
Price Target Upside34
Market mood81
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Temenos clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountrySwitzerland
IndustrySoftware
SizeLarge
TypePublic Company
ExchangeSWX
Founded2001
Employees5,764
Websitetemenos.com
ISINCH0012453913
Last UpdateApr 2, 2026
Indices
SPI (Switzerland)
Themes
FintechProcess AutomationAnti-FraudOnline PaymentsBanking as a ServiceBiometricsSoftware DevelopmentData ProtectionAppsBankingFinanceSoftware

Description

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions. Products and Services The company offers a comprehensive suite of products and services designed to meet the diverse needs of f…

Analysis

Quality compounder

Temenos AG earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is fair. The owner-earnings multiple stands at 17.5×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around 4% a year, against analyst forecasts of 9%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is adequate. The company scores 12/20 on our value-creation score: creating some value.

Flags to be aware of: The financial cushion is thinner than comfortable. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
50
2023202420252026

All-time high

50

Jun 2026

All-time low

17

Jan 2024

Average rank

30

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
12
24
14
15
Price/Earnings
33
42
34
51
Price/Book
1
22
22
8
Dividend Yield
79
74
68
72
Value (overall)
22
43
33
33

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →