Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions worldwide. The company provides Temenos Transact, a banking solution that offers banking software, and data and analytics; and Temenos Payments, a payment solution that gives banks real-time control, customer service experience, and cost efficiencies and risk management solutions. It also offers Temenos Infinity, a digital banking product; Temenos Multifonds, a fund administration solution; Temenos SaaS solution that supports banks in various sectors and geographies; Temenos Quantum, a multi-experience development platform that delivers digital transformation; and Temenos AI that provides frictionless customer experiences and automate processes. In addition, the company provides Temenos Financial Crime Mitigation that allows banks and financial institutions to avoid regulatory fines, detect fraud, and mitigate reputational risks; Temenos Analytics, a reporting, analytics, and business intelligence product; and Temenos Regulatory Compliance, which is used to address fraud, remain compliant with regulations, and manage risk. Further, it offers retail and private banking, corporate and business banking, Islamic banking, wealth management, financial inclusion, mobile banking, consultancy and training services, and support services. Additionally, the company provides Temenos Developer Community, an open API catalogue that brings standardized out-of-the-box APIs to fast track innovation with online support and resources. The company was formerly known as Temenos Group AG and changed its name to Temenos AG in May 2018. Temenos AG was founded in 1993 and is headquartered in Geneva, Switzerland.

Temenos AG

Chime is a financial technology company that provides banking services through partnerships with The Bancorp Bank, N.A. and Stride Bank, N.A.

Ryan King

Chris Britt

Chime

ITSS GLOBAL provides expertise in banking solutions including core banking, digital banking, financial inclusion, and anti-fraud services, self-described as a reference partner for Temenos products.

ITSS GLOBAL

Xapo Bank offers financial services specializing in Bitcoin banking, security, and transactions. The platform allows users to secure, transact, and grow their Bitcoin wealth.

Xapo Bank

Temenos provides banking software solutions to financial institutions across the world. The company offers core banking and digital banking services to over 1,550 clients in 150 countries.

Temenos

Rubik Group

Our mission at Temenos is to power a world of banking that creates opportunities for everyone.

Our passion for making banking better drives us to be the banking platform for all kinds of players in the industry – for large and small banks, for non-banks and fintechs, for partners and developers, for everyone.

Our ambition is to be Everyone’s Banking Platform.

NuoDB

Global Finance

We're excited to announce two key executive appointments at Temenos to accelerate our growth in #SaaS and in the US.

Welcome Isabelle Guis our new Chief Marketing Officer, and Monty Bhatia, our new EVP of Global Alliances and Partner Ecosystem.

Isabelle will lead our go-to-market strategies with her extensive SaaS experience, while Monty will drive our partner strategy to strengthen alliances and advance joint go-to-market strategies particularly in the US.

Welcome to the team, Isabelle and Monty!

https://lnkd.in/g2jS2ZBj

#AI is revolutionizing banking. Puja Sharma from IBS Intelligence speaks with Ermes Dajko, Senior Cloud Solutions Architect at Temenos, on how banks can improve operational efficiency and regulatory compliance, harness data effectively, enhance #customerexperience and achieve true personalization.
Listen to the podcast:
https://lnkd.in/gmyhKDih

The 2024 World Credit Union Conference was packed with executives from across the globe in Boston this week, and we were thrilled to be a part of such an engaging event. 
Hundreds of executives passed by our booth, participated in our Lunch and Learn session, and attended our cocktail party to discuss the benefits that innovative origination, collections, recovery, and onboarding solutions can all bring to #creditunions. 
It was stimulating to hear all the insights into how #technology is transforming the sector and what different lenders from different markets expect for the future.
Thanks to all the organizers and attendees for such an energizing conference!

We're proud that Temenos has been certified as a Great Place To Work in Denmark, France, India, the UAE and the Netherlands!
We got this certification based on the strong feedback from surveys done across these locations, looking at our culture and wellbeing. Over 80% agreed Temenos is indeed 'a Great Place to Work'!

NLB d.d. offers universal banking services to the retail and corporate sectors, as well as runs an investment banking arm. Its objective is to be the leading bank in South-Eastern Europe by the end of 2030. With Temenos being a key strategic partner for 20 years, NLB has been able to #grow, innovate, and become one of the #leading banks in the region.

Key highlights include 50% shorter product time to market and a 25% cost reduction. From product development to customer interactions, Temenos core banking helps NLB become significantly more customer-centric in every aspect.

Learn more from their success story here:
https://lnkd.in/gqBPYUew

#VoiceOfCustomer

At Temenos, our mission is to redefine banking service operations. With over half a century of combined experience, we're excited to evolve our #SaaS offering, pioneering #cloud solutions for core systems. Introducing our next-generation SaaS for banking, built on the Temenos SaaS Foundation, addressing unique banking challenges with true enterprise services, seamless integration, and continuous Innovation. We're committed to quick time-to-market, personalized solutions, cost-effective operations, and top-notch security. 

Watch the video to learn more: https://lnkd.in/dWvZgaWv
#SucceedWithTemenos

Metric
Company Name	Temenos AG	Chime	ITSS GLOBAL	Xapo Bank
Symbol	TEMN
MSH ID	COM:TEMENOS	COM:CHIME	COM:ITSSGLOBAL	COM:XAPO
Market	STOCKS	PRIVATE	PRIVATE	PRIVATE
Sector		Financial Services & Finance	Financial Services & Finance	Financial Services & Finance
Industry		Financial Technology	Banking and Financial Services	Banking & Financial Services
Country	CH	US	DE	GI
Stage
Employee Count	7.50K	1.70K
Website	temenos.com	chime.com	itssglobal.com	xapo.com
LinkedIn	temenos	chime-card
Founders

Metric
Market Cap	62.32M
Enterprise Value
Monthly Web Traffic		16.45M	8.24K	645.34K
Web Traffic Growth		-0.19	-0.52	0.22
Valuation
Raised Capital

Metric
Revenue	1.00B
Revenue (LTM)
Revenue (NTM)
Gross Profit	709.09M
EBITDA	338.54M
Operating Income	199.38M
Net Income	134.68M
EPS	1.87
Diluted EPS	1.85
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	0.72
Operating Profit Margin	0.20
EBITDA Margin	0.34
Net Profit Margin	0.14
Return on Equity	0.25
Return on Assets	0.06
Return on Capital Employed	0.17

COM:TEMENOS

Temenos

Last Close

57.70

25/11 09:22

Market Cap

54.67M

Beta: -

Volume Today

14.60K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	53.76
P/B Ratio	13.09
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	5.38
EV Multiple	14.60

Metric
Days Sales Outstanding
Days Payables Outstanding	223.47
Days Inventory Outstanding	0.00
Operating Cycle	80.44
Cash Conversion Cycle	-143.03
Asset Turnover	0.45

Metric
Operating Cash Flow	331.03M
Free Cash Flow	242.45M
Cash Flow to Debt	0.46
Operating Cash Flow/Sales	0.34
Free Cash Flow Yield	0.03

Metric
Cash & Equivalents	106.89M
Accounts Receivable
Inventory
Goodwill	1.07B
Debt to Capitalization	0.59
Debt to Assets	0.38
Current Ratio	0.41
Quick Ratio	0.75

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue	0.10