Temenos Group AG (TEMN) Fair Value & Analysis
Technology · CH · Market cap CHF 4.8B · ISIN CH0012453913
What is Temenos Group AG really worth?
A strong business, trading 19% below our fair value of CHF 90.28.
Strengths
Risks
Fair value as of: Sep 2, 2026
From 26 valuation models · updated 2 days ago
Fair value updated Sep 2, 2026, revised from CHF 89.43 to CHF 90.28 (+1.0%) since Aug 27, 2026. Share price +5.4% over the past month.
What runs behind every stock
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What matters now
- A fairly wide model range (CHF 51.48 to CHF 123.10) leaves room in how you read the outcome.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- The data supports the verdict: every model runs on fully documented inputs.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 2, 2026.
How to read this chart
60‑month range CHF 46.24 – CHF 139.74 · fair‑value band CHF 51.48 – CHF 123.10 · the CHF 72.75 price screens below the CHF 90.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 2, 2026.
Analysis
Temenos Group AG (TEMN) currently trades at CHF 72.75, while our model-based Fair Value estimate is CHF 90.28, implying the stock looks roughly 19.4% undervalued today. The Quality Score stands at 84/100 (high quality), in the Technology sector. Bull case: the DCF Models group reads highest at a median of CHF 102.43 per share, and 17 of the 26 models we run sit above the CHF 72.75 price. Bear case: the Dividend Discount group reads lowest at CHF 25.77, and 9 of the 26 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Temenos Group AG generated revenue of CHF 1.1B at a net margin of 26.2%. Revenue grew 8.9% year over year. It earns a return on equity of 53.0%. Net debt stands at CHF 605M. Fundamentals as of Sep 2, 2026
Our scenario range runs from CHF 51.48 (bear case) to CHF 123.10 (bull case); at CHF 72.75, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 34% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at −38% fair-value upside, at 24%, TEMN screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly CHF 2.23 per share, which is 2.5 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 26 models by family
Widest divergence: DCF Models (CHF 102.43) versus Asset-Based (CHF 4.71). Highest evidence: FCF DCF (78).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 2, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 79 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial services institutions in North America, Europe, the Middle East and Africa, Latin America, and the Asia-Pacific. It operates through two segments, The Product and Service.
Full company description
Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial services institutions in North America, Europe, the Middle East and Africa, Latin America, and the Asia-Pacific. It operates through two segments, The Product and Service. The Product segment is primarily engaged in marketing, licensing and maintaining the Group's software solutions, including software development fees for requested functionality, as well as providing hosting and subscription arrangements. The Services segment represents various implementation tasks, such as consulting and training. It also offers retail and business; corporate and commercial; and wealth management solutions. 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 Lancy, Switzerland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Temenos Group AG reported revenue of $1.1B in FY2025 versus $967M in FY2021, a compound +4.3%/yr. Reported net income was $294M in FY2025, compounding +14.1%/yr from FY2021.
of which total revenue +7.6 % · buybacks/dilution −0.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Temenos and Celent: American Banks Face Growing Fight for the 'Switchable Middle'
- AI-Powered Wealth Management Solution Market 2026-2030 Report Now Available — Profiles Addepar, Envestnet, InvestCloud, AWS, Temenos, and 20
- SACOMBANK Modernizes Core Banking with Temenos and IBM
- Temenos Named a Leader in Gartner® Magic Quadrant for Retail Core Banking Systems, Europe
Peer Group
Software - Application · 691 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Software - Application median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Sep 2, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAP | €191.32 | €169.59 | −11% |
| Shopify Inc SHOP | C$209.78 | C$28.76 | −86% |
| Uber Technologies, Inc UBER | $78.82 | $43.66 | −45% |
| Salesforce, Inc CRM | $252.05 | $249.28 | −1% |
| ServiceNow, Inc NOW | $138.43 | $43.73 | −68% |
| Cadence Design Systems, Inc CDNS | $340.39 | $112.57 | −67% |
| Snowflake Inc SNOW | $329.11 | $42.27 | −87% |
| Adobe Inc ADBE | $289.15 | $454.04 | +57% |
| Automatic Data Processing, Inc ADP | $284.68 | $177.51 | −38% |
| Intuit Inc INTU | $348.00 | $363.46 | +4% |
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