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About The Company

CEO

Mr. Andreas Andreades

Market Cap

5.08 Billion USD

Sector

Technology

Website

https://www.temenos.com

Description

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide.

Read More

Overview

Value

40

Growth

45

Health

53

Management

56

Analyst Opinion

89

Total

57

All Scores Out Of 100

Best Features

  • Low risk of bankruptcy
  • Liked by analysts
  • Has strong dividend growth
  • Low preportion of income is paid as dividend

Risk Factors

  • Earnings have declined recently
  • There is a history of diluting shareholders
  • Has a high level of debt
  • Does not hold enough liquid assets to cover short term liabilities
  • No margin of safety at their current market price
  • Price-to-earnings ratio of 27.7 is higher than the market average (19.6x)

Market Peers

TMSNY

Key Figures

PE Ratio (TTM)

27.75

Margin Of Safety (DCF)

-0.13%

Revenue Growth (5 Year Average)

12.05%

Ratings Consensus

Strong Buy

Share Buybacks

-1.25%

Dividend Yeild (TTM)

N/A

Valuation

Value Score

40

  • Free-cashflow-yeild of 6.79% is better than the market average (4.7%)
  • Estimated intrinsic-value of 70.67 USD is lower than current price ( 70.76 USD)
  • Price-to-earnings ratio of 27.7 is higher than the market average (19.6x)
  • Margin-of-safety of -0.13% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: < 46.4 USD

Current Price: 70.8 USD

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

27.75x

Free Cashflow Yeild

6.79%

PE/Earnings Growth

N/A

Price/Book

9.63x

Growth

Growth Score

45

  • 5 Year Average Revenue growth of 12.05% is higher than the market average (10.97%)
  • 5 Year Average Cashflow growth of 13.36% is higher than the market average (12.35%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of 2.47% is lower than the market average (14.48%)
  • Earnings growth has slowed this year
  • Free Cashflow growth has slowed this year

Revenue Growth

12.05%

Earnings Growth

2.47%

Cashflow Growth

13.36%

Health

Health Score

53

  • Low risk of bankruptcy
  • Debt repayments do not significantly impact cashflow
  • Has a high level of debt
  • Assets do not cover liabilities
  • High financial leverage and base interest rate exposure
  • Requires debt for normal operation to be sustainable

Altman Z Score

3.07

Piostroski Score

7.00

Debt/Equity

2.02x

Current Assets/Liabilities

0.55x

Free Cashflow/Total Debt

0.37x

Debt/Capital

2.01x

Dividend

Secure Dividend Score

51

  • Dividend is likely safe
  • Long term dividend payout ratio of 33.43% is considered good
  • Payout ratio (TTM) of N/A is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of N/A is less than the market average (1.85%)
  • Dividend growth has been slowing recently

Dividend Yeild

N/A

Dividend Growth

14.55%

Payout Ratio (Earnings)

N/A

Payout Ratio (Cashflow)

N/A

Management

Management Score

56

  • Has issued new shares to finance growth when share price is high
  • Has returned higher dividends when earnings have risen
  • Return-on-equity of 36.42% is higher than the market average (15%)
  • Return-on-capital-employed of 17.28% is higher than the market average (10%)
  • Has a history of diluting shareholders to finance activity

Average Buybacks/Dilution

-1.25%

Recent Buybacks/Dilution

-0.32%

5 Year Price Volitility

11.68%

Return On Assets

7.74%

Return On Capital Employed

17.28%

Return On Equity

36.42%

Return On Free Cashflow

58.25%

Return On Investments

786.09%

Analysts

Analyst Opinion

89

  • Ratings consensus is Strong Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Temenos AG

Currency

USD

Beta

0.846274

Vol Avg

14090

Ceo

Mr. Andreas Andreades

Cik

Cusip

87974R208

Exchange

Other OTC

Full Time Employees

8153

Industry

Software—Application

Sector

Technology

Ipo Date

2013-04-23

Address

2 Rue de L’Ecole-de-Chimie

City

Geneva

State

Country

CH

Zip

1205

Phone

41 22 708 1150

All financial data provided by FMP

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