Temenos AG Company Overview and Stock Performance

Temenos AG is a leading provider of banking software, serving over 3,000 banks in more than 150 countries. The company was founded in 1993 by David Arnault and Frederic Nurk.

Temenos AG's software solutions cater to a wide range of banking needs, including retail banking, corporate banking, and universal banking. Their products are designed to be scalable, secure, and compliant with regulatory requirements.

Temenos AG is listed on the SIX Swiss Exchange under the ticker symbol TEMN. The company has a strong presence in the banking software market, with a significant customer base and a reputation for delivering high-quality solutions.

Curious to learn more? Check out: Temenos Group Ag Share Price

Temenos AG's financials paint a picture of a company with a significant presence in the market. Its net sales for 2024 were 1.04 billion, a slight decrease from 1.01 billion in 2025.

The company's net income has been steadily increasing, reaching 149 million in 2024. This is a notable improvement from 146 million in 2025.

Temenos AG's net debt has been a concern, reaching 674 million in 2024. However, this is a decrease from 657 million in 2025.

In this section, we'll take a closer look at the holdings of Temenos Group. TEMENOS AG is a significant part of their portfolio, making up 5.04% of their equities.

TEMENOS AG has 3,788,544 shares in their holdings.

The valuation of TEMENOS AG in their portfolio is a substantial $325,221,081.

Temenos's financials are a key area of focus for investors and analysts. The company's net sales have been steadily increasing, reaching 1.04B in 2024.

One notable trend is the growth in net income, which rose to 149M in 2024. This increase in profitability is a positive sign for the company's financial health.

Here's a breakdown of Temenos's net sales and net income for 2024 and 2025:

Temenos's net debt has also been a topic of interest. In 2024, the company's net debt stood at 674M, a decrease from the previous year.

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To enhance your sales strategy and increase your chances of success, it's essential to understand Temenos's position in the market. This can be achieved by identifying potential areas for collaboration.

You can stay ahead of your competitors by keeping an eye on mergers and acquisitions (M&A) activity, capital raising, and alliances and partnerships, including legal and financial adviser associations. This will give you valuable insights to make informed decisions.

Here are some key areas to focus on:

Staying ahead of the competition requires keeping an eye on M&A activity, capital raising, and alliances and partnerships. This is where Temenos's strategic plans come into play.

To gain a deeper understanding of Temenos's deals, let's take a closer look at their M&A activity. Temenos's strategic plans involve a geographical and thematic spread of M&A and investment strategy with corporate venturing and financial and legal adviser associations.

Here are some key points to consider when analyzing Temenos's deals:

By understanding these elements, you can get a better sense of Temenos's strategic direction and stay ahead of the competition.

In the world of business development, understanding the geographical sales breakdown is crucial for making informed decisions. Temenos Group's sales data provides valuable insights into the regions driving their growth.

The Rest of Middle East and Africa region saw a significant increase in sales, from $124M in 2020 to $239M in 2024. This represents a substantial growth of 93% over the four-year period.

Temenos Group's sales in the United States of America declined from $149M in 2020 to $176M in 2024, a decrease of 18%. This is a notable trend that may indicate a shift in market dynamics.

The Rest of Europe region experienced a fluctuating sales pattern, with $204M in 2020, $163M in 2021, and $157M in 2024. This suggests a stabilizing trend in the region's sales.

Here's a breakdown of Temenos Group's sales in different regions:

The Luxembourg region showed consistent growth, with sales increasing from $40.33M in 2020 to $52.77M in 2024. This represents a growth of 30% over the four-year period.

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To stay ahead in the industry, Temenos AG clients can benefit from competitive intelligence and benchmarking. Thousands of clients rely on trusted, actionable, and forward-looking intelligence every day.

With the GlobalData Intelligence Center, you can gain a competitive edge in the industry by understanding Temenos's strategic initiatives and identifying opportunities for growth and investment. This includes analyzing hiring trends, patenting activity, Temenos's innovation landscape, social media strategy, and brand perception.

Here are some key competitive analysis tools:

Every Company Report produced by GlobalData is powered by the GlobalData Intelligence Center, providing a comprehensive analysis of market positioning and strategic developments.

Competitive Intelligence is a powerful tool that can give you a significant edge in the industry. Thousands of clients benefit from trusted, actionable, and forward-looking intelligence every day, helping them make faster and more informed decisions.

To gain a competitive edge, you need to understand your competitors' strategic initiatives and identify opportunities for growth and investment. Temenos's innovation landscape, social media strategy, and brand perception can provide valuable insights.

Our Competitive Intelligence provides forward-looking insights from hiring trends, patenting activity, and social media strategy. This helps you stay ahead of the curve and make informed decisions about investments and innovation.

Here are some key benefits of our Competitive Intelligence:

By leveraging our Competitive Intelligence, you can make faster and more informed decisions, and ultimately drive business growth and success.

Oddo BHF has initiated coverage on Temenos AG with an Underperform rating, marking a cautious stance on the company's prospects.

Analysts at Research Partners have consistently maintained a Buy recommendation for Temenos, with a price target adjustment in their favor.

Stifel downgraded its recommendation on Temenos from Buy to Hold, accompanied by a lowered price target.

Kepler Cheuvreux has taken a more nuanced approach, lowering its price target on Temenos while maintaining a Buy recommendation.

Here's a summary of the analysts' recommendations:

Kepler Cheuvreux has made two instances of lowering their price target on Temenos, while maintaining a Buy recommendation each time.

Temenos AG's current ratio has changed by 7.44% compared to its historical average over the past ten years.

The company's current ratio has fluctuated significantly over time, with a mean historical current ratio of 0.79.

In the September 2015 quarter, Temenos AG's current ratio peaked at 1.31, a stark contrast to the September 2023 quarter when it hit a low of 0.41.

The ancient Greeks were among the first to recognize the periodic nature of performance. They staged festivals and competitions to honor the gods, which often involved music, dance, and theater.

The word "drama" itself comes from the Greek word "dran", meaning to act or perform. This highlights the importance of performance in ancient Greek culture.

The Romans later adopted and adapted Greek theatrical forms, introducing their own style of performance. They built large amphitheaters to host public performances.

The Romans also developed the concept of the "triumph", a grand procession to celebrate military victories. This was a major performance event that showcased the power and glory of the Roman Empire.

In the Middle Ages, performance was often tied to the church and religious rituals. Minstrels and troubadours traveled from town to town, performing music and storytelling.

The Renaissance saw a resurgence in classical forms of performance, including theater and music. This led to the development of new styles and genres.

The 19th century saw the rise of popular entertainment, including music halls and vaudeville. These venues showcased a wide range of performances, from comedy to dance to music.

The 20th century saw the advent of new technologies, which revolutionized the way people experienced performance. Radio, television, and film all played a major role in shaping modern performance.

Temn.Sw's Current Ratio has a mean historical average of 0.79 over the last ten years.

This average has been surpassed in the past, with the highest recorded Current Ratio being 1.31 in the September 2015 quarter.

The Current Ratio has also seen its lowest point in recent history, reaching 0.41 in the September 2023 quarter.

A comparison to the historical average shows that the current Current Ratio of 0.59 represents a 7.44% decrease.

This significant drop from the historical average may be worth further investigation by investors and analysts.

Temenos AG is a company with a significant presence among its shareholders. The largest shareholder is Patinex AG, holding 15.62% of the company's equities.

Here is a breakdown of the top shareholders of Temenos AG:

These shareholders have a significant stake in the company's performance and future growth.

As you dig into the world of stock information, it's essential to understand who holds the reins. In the case of Temenos Group, the shareholders are a diverse group of individuals and companies.

Patinex AG holds the largest stake in Temenos Group, with 15.62% of the equities and a valuation of $1.008 billion.

Temenos AG, the company itself, also has a significant stake, with 5.04% of the equities and a valuation of $325 million.

DWS Investment GmbH and Credit Suisse Asset Management (Schweiz) AG are tied for third place, each holding 2.99% of the equities and a valuation of $193 million.

Norges Bank Investment Management also holds a notable stake, with 2.989% of the equities and a valuation of $193 million.

If you're looking for a visual representation of the top shareholders, here's a breakdown of the top 5:

In the world of finance, comparing companies is a crucial step in making informed investment decisions. Temenos AG's Current Ratio is less than its peers.

Logitech International S.A. has a Current Ratio of 2.14, significantly higher than Temenos AG. This suggests that Logitech International S.A. has more liquid assets to cover its short-term debts.

Temenos AG's Current Ratio is also less than Straumann Holding AG, which has a Current Ratio of 1.61. This indicates that Straumann Holding AG has a more stable financial position.

The company's Current Ratio is less than Geberit AG, with a Current Ratio of 1.48. This means that Geberit AG has a more manageable debt-to-asset ratio.

In comparison, VAT Group AG has a Current Ratio of 2.78, which is higher than Temenos AG's ratio. This could be an indicator of VAT Group AG's better ability to meet its short-term financial obligations.

Partners Group Holding AG has the highest Current Ratio among the companies listed, with a ratio of 3.16. This suggests that Partners Group Holding AG has a strong financial position and is well-equipped to handle its short-term debts.

Here's a brief comparison of the companies' Current Ratios:

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With a custom stock screener, you can easily find valuable stocks to invest in, like Temenos AG (TEMN.SW), by comparing their financials and key metrics in a single view.

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The 3-year average Current Ratio for Temenos AG (TEMN.SW) can be easily calculated using Wisesheets.

Temenos AG has been making waves in the financial services industry with its latest developments. The company has announced a major partnership with a leading bank to implement its digital banking platform.

This partnership is expected to transform the bank's customer experience, with Temenos' platform enabling real-time account opening and mobile banking services.

Temenos' platform has also been recognized for its scalability and flexibility, allowing banks to adapt to changing market conditions. The platform's ability to handle large volumes of transactions has been particularly impressive.

The partnership is a significant milestone for Temenos, with the company's platform now being used by over 3,000 financial institutions worldwide.

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The Management Team at Temenos AG is comprised of experienced professionals who have been leading the company's growth and success. Jean-Pierre Brulard is the CEO, having taken the helm on April 30, 2024, at the age of 66.

Panagiotis Spiliopoulos serves as the Director of Finance, a role he has held since March 30, 2019, at the age of 55. Adam Snyder is the Investor Relations Contact, but his age and start date are not publicly disclosed.

The Board of Directors at Temenos AG includes Thibault de Tersant, who serves as Chairman, having taken on the role on May 2, 2023, at the age of 68. Peter Spenser and Maurizio Carli are also Board Members, with Peter having joined on May 9, 2017, at the age of 71, and Maurizio joining on June 30, 2020, at the age of 66.

Here is a list of the Management Team members, including their titles and ages:

Temenos AG offers a range of investment options for its clients, including a global custody platform that provides secure and efficient management of assets.

The platform supports over 100 markets and currencies, making it a versatile solution for clients with diverse investment portfolios.

Temenos' investment options also include a comprehensive suite of investment accounting and reporting tools, which help clients track and analyze their investments.

These tools provide real-time reporting and analytics, enabling clients to make informed investment decisions.

Temenos' investment options are designed to be scalable and flexible, allowing clients to adapt to changing market conditions and investment strategies.

The company's investment solutions have been implemented by over 3,000 clients worldwide, including banks, asset managers, and other financial institutions.