Dashboard
1
High Debt company with Weak Long Term Fundamental Strength
- Poor long term growth as Operating profit has grown by an annual rate -1.94% of over the last 5 years
- High Debt Company with a Debt to Equity ratio (avg) at times
2
With ROE of 56.04%, it has a Very Expensive valuation with a 10.57 Price to Book Value
3
Below par performance in long term as well as near term
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-57.58%
0%
-57.58%
6 Months
-45.82%
0%
-45.82%
1 Year
-52.72%
0%
-52.72%
2 Years
-59.4%
0%
-59.4%
3 Years
-28.51%
0%
-28.51%
4 Years
4.65%
0%
4.65%
5 Years
66.54%
0%
66.54%
Temenos AG for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
-5.33%
EBIT Growth (5y)
-1.94%
EBIT to Interest (avg)
10.41
Debt to EBITDA (avg)
2.00
Net Debt to Equity (avg)
0.85
Sales to Capital Employed (avg)
0.69
Tax Ratio
13.00%
Dividend Payout Ratio
41.49%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
17.23%
ROE (avg)
29.36%
Valuation key factors
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
10.57
EV to EBIT
27.16
EV to EBITDA
18.73
EV to Capital Employed
5.67
EV to Sales
7.29
PEG Ratio
0.26
Dividend Yield
0.08%
ROCE (Latest)
20.89%
ROE (Latest)
56.04%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Shareholding Snapshot : Dec 2025
Shareholding Compare (%holding) 
Majority shareholders
Foreign Institutions
Domestic Funds
Held in 0 Schemes (0%)
Foreign Institutions
Held by 2 Foreign Institutions (0.01%)
Strategic Entities with highest holding
Highest Public shareholder
Quarterly Results Snapshot (Consolidated) - Sep'25 - YoY
Sep'25
Sep'24
Change(%)
Net Sales
206.90
213.90
-3.27%
Operating Profit (PBDIT) excl Other Income
75.70
72.30
4.70%
Interest
1.00
4.70
-78.72%
Exceptional Items
-3.40
-3.40
Consolidate Net Profit
35.50
26.70
32.96%
Operating Profit Margin (Excl OI)
249.00%
202.80%
4.62%
USD in Million.
Net Sales
YoY Growth in quarter ended Sep 2025 is -3.27% vs 2.25% in Sep 2024
Consolidated Net Profit
YoY Growth in quarter ended Sep 2025 is 32.96% vs 38.34% in Sep 2024
Annual Results Snapshot (Consolidated) - Dec'25
Dec'25
Dec'24
Change(%)
Net Sales
905.90
919.50
-1.48%
Operating Profit (PBDIT) excl Other Income
507.50
520.40
-2.48%
Interest
14.80
20.50
-27.80%
Exceptional Items
-78.50
-26.70
-194.01%
Consolidate Net Profit
233.00
156.00
49.36%
Operating Profit Margin (Excl OI)
446.30%
441.10%
0.52%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2025 is -1.48% vs 2.29% in Dec 2024
Consolidated Net Profit
YoY Growth in year ended Dec 2025 is 49.36% vs 28.93% in Dec 2024
About Temenos AG 
Temenos AG
Computers - Software & Consulting
Temenos AG, formerly Temenos Group AG, is a Switzerland-based company engaged in the development and marketing of banking software systems. Its services include implementation, performance optimization, integration, administration, maintenance, upgrades, training and support for its software solutions. It offers solutions for retail, corporate, universal, Islamic and microfinance and community banking sectors, as well as for Private Wealth Management. The Company's client base consists of mostly banking and other financial services institutions. Its core products are Temenos T24 Core Banking (T24), a front to back office, Customer Relationship Management (CRM) and product lifecycle management software platform, as well as Front Office, an integrated, role-specific, and multi-channel solution that supports banks’ daily interactions and long term relationships with their retail, corporate, mass affluent, and High-Net-Worth (HNW) customers. It offers also funds and securities solutions.
Company Coordinates 
Company Details
2 Rue de l'Ecole-de-Chimie , GENEVE None : 1205
Registrar Details






