Temenos TEMN.SW
Temenos is a Swiss banking software company offering digital banking, wealth management, and payment solutions to financial institutions, with a business model based on cloud licenses and subscriptions. Temenos shows exceptional quality (ROE 42.8%, operating margin 32.2%) but is in a phase of deterioration: revenue is down 1.4% and profits down 56.8%, which weighs on growth and keeps the P/E at 28.1. The acquisition of additiv is a positive strategic step but does not offset the current business weakness.
Detailed metrics
Market and fundamental data as of the analysis date.
Full AI report
Generated automatically from the metrics, the macro context and the company's news.
Temenos is a Swiss banking software company offering digital banking, wealth management, and payment solutions to financial institutions, with a business model based on cloud licenses and subscriptions. Temenos shows exceptional quality (ROE 42.8%, operating margin 32.2%) but is in a phase of deterioration: revenue is down 1.4% and profits down 56.8%, which weighs on growth and keeps the P/E at 28.1. The acquisition of additiv is a positive strategic step but does not offset the current business weakness.
Score by category
| Category | Score |
|---|---|
| Financial health | 5.3 |
| Quality / Moat | 9.2 |
| Valuation | 5.5 |
| Growth | 1.4 |
| Dividend | 6.1 |
| Momentum | 7.9 |
| Risk & Context | 7.5 |
OVERALL SCORE: 6.2/10
Context and risks
Moderate governance risk in Switzerland. No specific regulatory, geopolitical, or business model risks identified beyond concentration in the banking sector.
News considered in the analysis
- Temenos AG (TMNSF) Q2 2026 Earnings Call Highlights: Strong Financial Performance Amid Deal Delays — Los retrasos en los acuerdos explican la caída de ingresos y beneficios, un hecho ya ocurrido y parcialmente reflejado en el precio.
- Temenos finalises purchase of wealth platform additiv — La adquisición de additiv refuerza su oferta de gestión de patrimonios, un movimiento estratégico positivo pero de impacto moderado.
- Is Temenos (SWX:TEMN) Undervalued After Its Share Price Slide? — Artículo de opinión sin información nueva.
- EGHT vs. TMSNY: Which Stock Is the Better Value Option? — Comparativa genérica sin información específica relevante.
- APPS vs. TMSNY: Which Stock Is the Better Value Option? — Comparativa genérica sin información específica relevante.
Verdict: Hold pending signs of stabilization in revenue and profit growth; quality is high but the timing is poor.
Main risk: The inability to reverse the decline in revenue and profits, which could turn the current weakness into a structural deterioration of the business.
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