|
Real-time Estimate
Cboe Europe
14:19:37 12/11/2026 +04
|
5-day change | 1st Jan Change | ||
| 79.08 CHF | +0.48% |
|
-2.89% | -0.69% |
| 10-28 | European sovereign AI, cloud not yet ready for major banks, Temenos CEO says | RE |
| 10-28 | Swiss stocks - Factors to watch on October 28 | RE |
Projected Income Statement: Temenos AG
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 967 | 949.6 | 1,000 | 1,044 | 1,091 | 1,170 | 1,259 | 1,345 |
| Change | - | -1.8% | 5.33% | 4.39% | 4.48% | 7.26% | 7.63% | 6.77% |
| EBITDA 1 | 447.7 | 365.2 | 399.2 | 441.6 | 461.7 | 463.5 | 504 | 538.3 |
| Change | - | -18.43% | 9.31% | 10.62% | 4.57% | 0.4% | 8.73% | 6.81% |
| EBIT 1 | 356.8 | 272.4 | 313 | 354.6 | 382.4 | 413.1 | 448.8 | 483.6 |
| Change | - | -23.65% | 14.9% | 13.3% | 7.83% | 8.03% | 8.64% | 7.75% |
| Interest Paid 1 | -23.39 | -21.83 | -21.8 | -14.93 | -9.131 | -18.4 | -17.02 | -14.25 |
| Earnings before Tax (EBT) 1 | 211.5 | 146 | 172.9 | 209.6 | 336.2 | 290.7 | 323.2 | 363.3 |
| Change | - | -30.99% | 18.44% | 21.24% | 60.38% | -13.52% | 11.16% | 12.43% |
| Net income 1 | 173.4 | 114.4 | 134.7 | 177.2 | 280.6 | 230.8 | 256.3 | 287 |
| Change | - | -34% | 17.7% | 31.56% | 58.37% | -17.74% | 11.01% | 12.01% |
| Announcement Date | 14/02/22 | 20/02/23 | 19/02/24 | 18/02/25 | 24/02/26 | - | - | - |
Forecast Balance Sheet: Temenos AG
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 821 | 738 | 658 | 613 | 605 | 719 | 528 | 223 |
| Change | - | -10.11% | -10.84% | -6.84% | -1.31% | 18.76% | -26.56% | -57.77% |
| Announcement Date | 14/02/22 | 20/02/23 | 19/02/24 | 18/02/25 | 24/02/26 | - | - | - |
Cash Flow Forecast: Temenos AG
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | 102.1 | 105 | 88.58 | 78.48 | 73.07 | 84.65 | 92.72 | 97.7 |
| Change | - | 2.9% | -15.66% | -11.4% | -6.9% | 15.85% | 9.53% | 5.37% |
| Free Cash Flow (FCF) 1 | 358.1 | 192.9 | 242.6 | 285 | 280.8 | 316.9 | 358.1 | 381.1 |
| Change | - | -46.13% | 25.76% | 17.48% | -1.49% | 12.88% | 13% | 6.42% |
| Announcement Date | 14/02/22 | 20/02/23 | 19/02/24 | 18/02/25 | 24/02/26 | - | - | - |
Forecast Financial Ratios: Temenos AG
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 46.3% | 38.46% | 39.91% | 42.29% | 42.33% | 39.62% | 40.02% | 40.04% |
| EBIT Margin (%) | 36.9% | 28.68% | 31.29% | 33.96% | 35.05% | 35.31% | 35.64% | 35.97% |
| EBT Margin (%) | 21.87% | 15.37% | 17.28% | 20.08% | 30.82% | 24.85% | 25.66% | 27.02% |
| Net margin (%) | 17.93% | 12.05% | 13.46% | 16.97% | 25.72% | 19.73% | 20.35% | 21.35% |
| FCF margin (%) | 37.03% | 20.31% | 24.25% | 27.3% | 25.74% | 27.09% | 28.44% | 28.34% |
| FCF / Net Income (%) | 206.53% | 168.59% | 180.13% | 160.85% | 100.05% | 137.29% | 139.75% | 132.77% |
Profitability | ||||||||
| ROA | 12.34% | 5.12% | 10.16% | 12.42% | 13.4% | 11.48% | 12.11% | 12.49% |
| ROE | 55% | 39.52% | 37.52% | 43.28% | 54.29% | 59.85% | 57.02% | 49.21% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 1.83x | 2.02x | 1.65x | 1.39x | 1.31x | 1.55x | 1.05x | 0.41x |
| Debt / Free cash flow | 2.29x | 3.82x | 2.71x | 2.15x | 2.16x | 2.27x | 1.47x | 0.59x |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 10.56% | 11.06% | 8.86% | 7.52% | 6.7% | 7.23% | 7.36% | 7.27% |
| CAPEX / EBITDA (%) | 22.8% | 28.76% | 22.19% | 17.77% | 15.83% | 18.26% | 18.4% | 18.15% |
| CAPEX / FCF (%) | 28.51% | 54.45% | 36.51% | 27.54% | 26.03% | 26.71% | 25.89% | 25.64% |
Items per share | ||||||||
| Cash flow per share 1 | 6.37 | 4.14 | 4.547 | 4.983 | 5.04 | 5.888 | 6.713 | 7.216 |
| Change | - | -35% | 9.83% | 9.59% | 1.14% | 16.83% | 14.01% | 7.49% |
| Dividend per Share 1 | 1 | 1.178 | 1.361 | 1.441 | 1.81 | 1.703 | 1.769 | 1.893 |
| Change | - | 17.76% | 15.57% | 5.91% | 25.56% | -5.93% | 3.88% | 7.01% |
| Book Value Per Share 1 | 6.633 | 7.706 | 9.407 | 8.764 | 7.1 | 8.07 | 10.33 | 12.84 |
| Change | - | 16.17% | 22.08% | -6.84% | -18.98% | 13.67% | 28.05% | 24.29% |
| EPS 1 | 2.4 | 1.59 | 1.85 | 2.43 | 4 | 3.39 | 3.793 | 4.262 |
| Change | - | -33.75% | 16.35% | 31.35% | 64.61% | -15.26% | 11.91% | 12.36% |
| Nbr of stocks (in thousands) | 71,610 | 71,771 | 72,006 | 72,976 | 68,984 | 68,591 | 68,591 | 68,591 |
| Announcement Date | 14/02/22 | 20/02/23 | 19/02/24 | 18/02/25 | 24/02/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 27.9x | 24.9x |
| PBR | 11.7x | 9.15x |
| EV / Sales | 6.16x | 5.57x |
| Yield | 1.8% | 1.87% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Trader
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Investor
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Global
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The MSCI ESG score assesses a company’s environmental, social, and governance practices relative to its industry peers. Companies are rated from CCC (laggard) to AAA (leader). This rating helps investors incorporate sustainability risks and opportunities into their investment decisions.
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