Dashboard
1
High Debt company with Weak Long Term Fundamental Strength
- Poor long term growth as Operating profit has grown by an annual rate -2.95% 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
Stock DNA
Computers - Software & Consulting
CHF 5,235 Million ()
19.00
NA
0.07%
1.30
71.49%
15.15
Revenue and Profits:
Net Sales:
236 Million
(Quarterly Results - Jun 2025)
Net Profit:
136 Million
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
18.72%
0%
18.72%
6 Months
17.79%
0%
17.79%
1 Year
14.21%
0%
14.21%
2 Years
-2.02%
0%
-2.02%
3 Years
42.33%
0%
42.33%
4 Years
-39.95%
0%
-39.95%
5 Years
-35.27%
0%
-35.27%
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)
-2.95%
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
59.96%
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
Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Shareholding Snapshot : Mar 2024
Shareholding Compare (%holding) 
Majority shareholders
Foreign Institutions
Domestic Funds
Held in 0 Schemes (0%)
Foreign Institutions
Held by 1 Foreign Institutions (0.0%)
Strategic Entities with highest holding
Highest Public shareholder
Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY
Jun'25
Jun'24
Change(%)
Net Sales
235.80
224.70
4.94%
Operating Profit (PBDIT) excl Other Income
103.70
90.00
15.22%
Interest
2.30
3.80
-39.47%
Exceptional Items
-13.50
-13.30
-1.50%
Consolidate Net Profit
136.10
33.50
306.27%
Operating Profit Margin (Excl OI)
331.50%
271.10%
6.04%
USD in Million.
Net Sales
YoY Growth in quarter ended Jun 2025 is 4.94% vs 4.61% in Jun 2024
Consolidated Net Profit
YoY Growth in quarter ended Jun 2025 is 306.27% vs -2.62% in Jun 2024
Annual Results Snapshot (Consolidated) - Dec'24
Dec'24
Dec'23
Change(%)
Net Sales
919.50
898.90
2.29%
Operating Profit (PBDIT) excl Other Income
520.40
483.50
7.63%
Interest
20.50
25.90
-20.85%
Exceptional Items
-26.70
-20.50
-30.24%
Consolidate Net Profit
156.00
121.00
28.93%
Operating Profit Margin (Excl OI)
441.10%
406.70%
3.44%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2024 is 2.29% vs -0.89% in Dec 2023
Consolidated Net Profit
YoY Growth in year ended Dec 2024 is 28.93% vs 10.70% in Dec 2023
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






