Temenos AG

Temenos AG

TMNSF
Temenos AGUS flagOther OTC
75.31
USD
- -
- -
5.07BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
6.82
6.95
8.25
9.23
10.52
12.12
13.81
12.33
13.48
13.25
13.9
14.51
15.78
15.28
Basic EPS, GAAP
0.99
1.36
1.01
1.69
1.98
2.43
2.57
2.43
2.42
1.6
1.87
2.46
4.06
4.25
Free Cash Flow per Basic Share
1.62
1.91
2.45
2.78
3.24
4.03
4.73
5.18
6.25
3.9
4.43
4.94
5
4.83
Dividend per Share
0.3
0.4
0.43
0.46
0.56
0.67
0.74
0.88
1
1.04
1.23
1.35
1.6
- -
Book Value per Share
8.49
9.42
9.93
10.93
12.25
14.04
15.79
17.05
18.59
19.41
19.93
21.02
24.11
22.28
Tangible Book Value per Share
-0.96
-1.42
-5.51
-4.23
-5.96
-10.25
-17.23
-15.9
-15.65
-13.4
-11.69
-8.92
-11.57
-10.81
Basic Weighted Avg Shares
69
67
66
69
70
69
70
72
72
72
72
72
69
71
Sales/Revenue/Turnover
468
469
543
634
735
841
972
887
967
950
1,000
1,044
1,091
1,084
Operating Margin (%)
19.99
25.22
17.84
23.54
24.25
26.02
24.22
26.33
24.62
17.21
19.93
22.14
22.73
23.14
Depreciation Expense
59
64
83
86
96
96
132
152
152
142
132
133
130
126
Net Income, GAAP
68
92
66
116
138
168
181
175
173
114
135
177
281
302
Effective Tax Rate (%)
17.23
13.83
15.03
12.32
14.01
13.91
14.79
14.3
18.03
21.61
22.1
15.47
16.53
16.22
Profit Margin (%)
14.58
19.55
12.23
18.27
18.82
20.01
18.63
19.72
17.93
12.05
13.46
16.97
25.72
27.83
Working Capital
75
137
84
-32
20
- -
-131
-125
-394
-481
-480
-436
-356
-539
LT Debt
201
279
445
269
434
706
1,074
956
749
637
570
470
792
591
Total Equity
408
342
375
399
380
299
445
523
475
578
682
639
478
534
Return on Invested Capital (%)
12.76
16.41
11.24
16.09
18.68
18.86
14.17
12.27
12.55
8.34
10.12
12.98
14.43
13.47
Return on Capital (%)
9.55
11.48
7.64
11.38
12.35
11.68
9.83
8.8
8.49
5.81
6.97
8.75
12.42
13.86
Return on Common Equity (%)
12.18
15.05
10.3
16.49
17.22
18.38
17.37
14.96
13.54
8.4
9.53
12.02
17.65
20.2

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
257
265
297
LT Borrowings
451
- -
- -
LT Finance Leases
19
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
71
71
69
Market Capitalization
5,110
5,494
5,281

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
637
656
612
Cash, Cash Equivalents & STI
170
135
370
Accounts Receivable, Net
231
166
242
Inventories
- -
- -
- -
Total Current Liabilities
1,073
1,088
1,152
Payables & Accruals
- -
- -
- -
ST Debt
257
265
297
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.56%
-0.21%
-25.2%
Free Cash Flow
9.73%
1.08%
-2.64%
Net Income, GAAP
19.26%
14.54%
58.37%
Sales/Revenue/Turnover
7.55%
4.28%
4.48%
Total Cash Common Dividend
14.61%
11.88%
14.04%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
230
248
247
319
1,044
2025
232
285
315
- -
1,091
2026
253
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
- -
0.43
1.09
2.46
2025
0.41
2.34
0.63
- -
4.06
2026
0.59
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.35
2025
- -
- -
- -
- -
1.6
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Panagiotis Spiliopoulos
Full Time Employees
6,212
Sector
Technology
Industry
Software - Application
Address
2 Rue de L’Ecole-de-Chimie Geneva Switzerland 1205
IPO Date
Oct 8, 2010
Business
Temenos AG, a global leader in banking software, provides core banking, digital banking, payments, and wealth management solutions to financial institutions worldwide. The company offers Temenos Core for comprehensive retail, corporate, universal, private, Islamic, and microfinance banking; Temenos Digital for personalized transactional and omnichannel experiences; Temenos Payments for real-time processing and money movement; Temenos WealthSuite including Multifonds for portfolio management and funds services; and AI-powered modular platforms available on-premises, in the cloud, or as SaaS, serving over 950 core banking and 600 digital clients across 150 countries. Founded in 1993 and headquartered in Grand-Lancy near Geneva, Switzerland, Temenos operates through more than 60 offices in 41 countries, targeting banks, fintechs, and non-banks with composable, cloud-native technology that drives efficiency and innovation. In 2025, Temenos expanded partnerships including a five-year strategic engagement with Cognizant for Australia Country Model Bank, integration of Doconomy's Impact Finance on Temenos Exchange, and extensions with Validata and Citi Securities Services; implementations went live with Raiffeisen Bank in Bosnia-Herzegovina on Temenos Core and Moneycorp on Temenos SaaS; VPBank in Vietnam modernized operations; the company announced a new strategic plan with FY-28 growth targets emphasizing US expansion, modular cores, and point solutions; and achieved certifications in multiple regions while launching unified payments-account services. Temenos trades on the SIX Swiss Exchange under TEMN and OTC as TMNSF.

Company News

APIChatGPT
  • UK's Reliance Bank Selects Temenos SaaS to Power Digital Transformation

  • Temenos launches Composable Retail Deposits and Composable Retail Lending to Enable Progressive Core Modernization

  • Scienaptic AI Integrates with Temenos to Accelerate Smarter Lending for US Credit Unions

  • Temenos AG (TMSNY) Q1 2026 Earnings Call Transcript

  • Contrasting AppTech Payments (NASDAQ:APCX) & Temenos (OTCMKTS:TMNSF)

  • Temenos Earns the Solutions Partner with Certified Software Designation for Core Banking SaaS on Azure

  • Temenos AG (TMSNY) Q4 2025 Earnings Call Transcript

  • Baird Chautauqua International Growth Fund: Q4 2025 Winners, Laggards, Buys & Sells

  • Peru's Mibanco selects Temenos SaaS for core banking modernization

  • TMSNY Investors Have Opportunity to Join Temenos AG Fraud Investigation with the Schall Law Firm

  • TMSNY Investors Have Opportunity to Join Temenos AG Fraud Investigation with the Schall Law Firm

  • Temenos Named a Leader in Everest Group Peak Matrix® Assessments

  • Julius Baer to replace Swiss IT system with Temenos product, sources say

  • Temenos AG (TMSNY) Q3 2025 Earnings Call Transcript

  • Temenos CEO Brulard steps down, CFO Spiliopoulos named interim chief

  • Temenos AG (TMSNY) Q2 2025 Earnings Call Transcript

  • Temenos CFO says US tariff 'wobbles' over for banks as shares soar after results

  • Temenos Named World's Best Core Banking Solution by Euromoney

  • Temenos sets new benchmark for scalability of AI-powered banking with Microsoft

  • Temenos survey reveals banks doubling down on technology modernization to drive customer experience