Temenos Analysis in March (2026) | Price Target, Profits & Valuation

Temenos

SWX:TEMN

CHF 67,45

CHF-1,35 (-1,96%)

67,45 CHF

CHF-1,35 (-1,96%)

End-of-day quote: 03/27/2026

Temenos Stock Value

Analysts currently give Temenos a rating of Hold.

Hold

Temenos Company Info

EPS Growth 5Y

0,46%

Market Cap

CHF4,54 B

Long-Term Debt

CHF0,63 B

Annual earnings

N/A

Dividend

CHF1,37

Dividend Yield

2,03%

Founded

1993

Industry

Information Technology

Country

Switzerland

Website

Temenos

ISIN Number

CH0012453913

Website

http://www.temenos.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

CHF79,29

17.55%

Last Update: 03/28/2026

Analysts: 17

Highest Price Target CHF106,36

Average Price Target CHF79,29

Lowest Price Target CHF56,22

In the last five quarters, Temenos’s Price Target has risen from CHF56,90 to CHF74,50 - a 30,93% increase. Eleven analysts predict that Temenos’s share price will increase in the coming year, reaching CHF79,29. This would represent an increase of 17,55%.

Top growth stocks in the information technology sector (5Y.)

What does Temenos do?

Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial institutions. Products and Services The company offers a comprehensive suite of products and services designed to meet the diverse needs of financial institutions worldwide. The company’s offerings are structured to support a wide range of banking activities, from core banking and digital banking to payments, financial crime mitigation, and wealth management. The company’s products and se...

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

Products and Services

The company offers a comprehensive suite of products and services designed to meet the diverse needs of financial institutions worldwide. The company’s offerings are structured to support a wide range of banking activities, from core banking and digital banking to payments, financial crime mitigation, and wealth management. The company’s products and services are known for their flexibility, scalability, and ability to integrate seamlessly with existing systems.

Core Banking Solutions

The company’s core banking solutions are designed to cover all aspects of banking operations, including account management, transaction processing, risk management, and regulatory reporting. These solutions are highly configurable, allowing banks to tailor them to their specific business processes and regulatory requirements. The core banking software is robust and scalable, capable of handling high transaction volumes and supporting banks of all sizes, from large global institutions to small local banks.

Digital Banking Solutions

The company offers a variety of digital banking solutions that enable banks to provide seamless and personalized digital experiences to their customers. These solutions include:

Mobile and Online Banking: The company’s mobile and online banking solutions allow customers to access banking services anytime, anywhere. These solutions are designed to provide a user-friendly and secure banking experience, with features, such as account management, fund transfers, bill payments, and more.

Digital Onboarding: The digital onboarding solution streamlines the process of opening new accounts and onboarding new customers. The company leverages advanced technologies, such as AI and biometrics to verify customer identities and complete the onboarding process quickly and securely.

Customer Relationship Management (CRM): The company’s CRM solution helps banks manage customer relationships more effectively. The company provides a 360-degree view of customer interactions and enables banks to deliver personalized services and targeted marketing campaigns.

Payments Solutions

The company’s payments solutions support the entire payments lifecycle, from initiation and processing to clearing and settlement. These solutions are designed to handle multiple payment types, including domestic and international payments, real-time payments, and card payments. The payments software is built on an open and flexible architecture, allowing banks to integrate it easily with their existing systems and processes. Key features of the payment’s solutions include:

Real-Time Payments: The company’s real-time payments solution enables banks to process payments instantly, providing customers with immediate access to funds.

Card Payments: The card payments solution supports the issuance and management of debit, credit, and prepaid cards. The company includes features, such as card authorization, fraud detection, and dispute management.

Cross-Border Payments: The cross-border payments solution facilitates international payments, ensuring compliance with regulatory requirements and providing transparency in transaction processing.

Financial Crime Mitigation Solutions

Financial crime mitigation is a critical area for the company. The financial crime mitigation solutions help banks detect and prevent fraud, money laundering, and other financial crimes. These solutions use advanced analytics and AI to identify suspicious activities and generate alerts for further investigation. Key components of the financial crime mitigation solutions include:

Fraud Detection: The fraud detection solution monitors transactions in real-time to identify potentially fraudulent activities. The company uses machine learning algorithms to detect patterns and anomalies that may indicate fraud.

Anti-Money Laundering (AML): The AML solution helps banks comply with regulatory requirements by identifying and reporting suspicious transactions. It includes features such as customer due diligence, transaction monitoring, and regulatory reporting.

Sanctions Screening: The sanctions screening solution checks transactions against global sanctions lists to ensure compliance with international regulations. It helps banks avoid processing transactions involving sanctioned entities.

Wealth Management Solutions

The company’s wealth management solutions support the entire wealth management lifecycle, from client onboarding and portfolio management to financial planning and reporting. These solutions are designed to help wealth managers deliver personalized and goal-based advice to their clients. Key features of the wealth management solutions include:

Portfolio Management: The portfolio management solution provides tools for managing and optimizing investment portfolios. It includes features, such as asset allocation, performance tracking, and risk management.

Financial Planning: The financial planning solution helps wealth managers create comprehensive financial plans for their clients. It includes tools for retirement planning, tax optimization, and estate planning.

Client Reporting: The client reporting solution generates detailed reports on investment performance, financial plans, and other aspects of wealth management. It helps wealth managers keep their clients informed and engaged.

Cloud and SaaS Offerings

The company offers its software on a cloud-based platform, providing banks with the scalability, flexibility, and cost-efficiency of cloud computing. The Software-as-a-Service (SaaS) model enables banks to access the company’s solutions through a subscription, reducing the need for significant upfront investment in IT infrastructure. The cloud and SaaS offerings include:

Cloud-Based Core Banking: The cloud-based core banking solution provides all the features of the company’s core banking software, delivered through a secure and scalable cloud platform.

SaaS Digital Banking: The SaaS digital banking solution offers the company’s digital banking capabilities through a subscription model, allowing banks to quickly deploy and scale their digital banking services.

Cloud Payments: The cloud payments solution supports the processing of payments through a cloud-based platform, providing flexibility and cost-efficiency.

Consulting and Implementation Services

To ensure that clients can effectively deploy and utilize the company’s software solutions, the company offers a range of consulting and implementation services. These services include:

Consulting Services: The company provides expert consulting services to help banks implement and customize its software solutions. The consulting team works closely with clients to understand their specific needs and design solutions that meet their requirements.

Implementation Services: The implementation services are focused on ensuring a smooth and efficient deployment of the company’s software solutions. This involves detailed project management, system configuration, data migration, and user acceptance testing.

Training Services: The company offers comprehensive training programs to educate bank staff on the features and functionalities of its software. Training can be delivered through various formats, including in-person workshops, online courses, and self-paced learning modules.

Support Services: Ongoing support is a critical component of the company’s service offerings. The company provides various levels of support, from basic technical assistance to comprehensive managed services. Support services are designed to help clients address any issues that arise, optimize system performance, and ensure that the software continues to meet their evolving needs.

Partner First Delivery: The company collaborates with a wide range of partners, including technology providers, consulting firms, and system integrators, to deliver comprehensive and integrated solutions to its clients. The Partner First delivery model helps extend the company’s reach and deliver value to clients through a combination of technology, expertise, and services. This collaborative approach ensures that clients have access to the best possible solutions and support.

Partner Ecosystem

The company’s partner ecosystem plays a crucial role in its ability to deliver comprehensive and integrated solutions to its clients. The company collaborates with a wide range of partners, including technology providers, consulting firms, and system integrators. Key aspects of the partner ecosystem include:

Technology Partnerships: The company partners with leading technology providers to enhance its product offerings and deliver innovative solutions to its clients. These partnerships enable the company to leverage the strengths and capabilities of its partners, ensuring that its clients benefit from the latest technological advancements.

Consulting Partnerships: The company works with consulting firms to provide expert advice and support to its clients. Consulting partners help clients implement and optimize the company’s software solutions, ensuring that they achieve their business objectives.

System Integrator Partnerships: The company collaborates with system integrators to deliver integrated solutions that meet the specific needs of its clients. System integrator partners help clients integrate the company’s software with their existing systems and processes, ensuring a seamless and efficient deployment.

Geographical Markets

The company operates in several geographical markets, with a significant presence in the Americas, Europe, the Middle East and Africa, and the Asia Pacific region. Additionally, the company has a significant operational presence in specific locations, such as Beirut (Lebanon), Dubai (the United Arab Emirates), Riyadh (Saudi Arabia), Milan (Italy), Moscow (Russia), Taipei (Taiwan), Islamabad (Pakistan), Jakarta (Indonesia), Tunis (Tunisia), Helsinki (Finland), Malmo (Sweden), and Renens (Switzerland)

Marketing

The company uses a variety of marketing and distribution channels to reach its target audience and promote its products and services. The company’s marketing and distribution strategy includes the following modes:

Partner Ecosystem: The company collaborates with a wide range of partners, including technology providers, consulting firms, and system integrators, to deliver comprehensive and integrated solutions to its clients. The Partner First delivery model helps extend the company’s reach and deliver value to clients through a combination of technology, expertise, and services.

Direct Sales: The company employs a direct sales approach, with a dedicated sales team that engages with clients to understand their needs and offer tailored solutions. The direct sales team works closely with clients throughout the sales process, from initial contact to contract negotiation and implementation.

Digital Marketing: The company leverages digital marketing channels to promote its products and services. This includes online advertising, social media marketing, email campaigns, and content marketing. The digital marketing strategy is designed to reach a broad audience and generate leads through targeted online activities.

Government Regulations

The company operates in a highly regulated industry and is subject to numerous government regulations and requirements that impact its business operations. The company has established robust frameworks and processes to ensure compliance with these regulations and manage the associated risks. Key aspects of the company’s approach to government regulations include:

Data Protection and Privacy: The company is committed to protecting the privacy and data of its clients and their customers. This includes complying with data protection laws such as the General Data Protection Regulation (GDPR) in Europe and other similar regulations in other jurisdictions. The company’s data protection framework includes measures to ensure the security and confidentiality of personal data, as well as processes for responding to data breaches and other privacy incidents.

Compliance with International Standards: The company’s operations are aligned with international standards and frameworks, including the Global Reporting Initiative (GRI) Standards and the Sustainability Accounting Standards Board (SASB) Software and IT Services Sustainability Accounting Standard. These standards provide guidelines for reporting on sustainability and other non-financial aspects of the company’s operations.

Environmental Laws

The company is committed to conducting its business in an environmentally responsible manner and complying with all applicable environmental laws and regulations. The company’s environmental strategy includes several key initiatives:

Net-Zero Greenhouse Gas Emissions: The company is committed to achieving net-zero greenhouse gas emissions by 2050. This commitment is aligned with the 1.5°C Business Ambition of the Paris Agreement and other international guidelines related to climate change. The company’s environmental strategy includes measures to reduce greenhouse gas emissions in its operations and value chain, as well as investments in sustainable initiatives.

Environmental Roadmap: The company’s Environmental Roadmap supports the United Nations Sustainable Development Goals (SDGs) and the transition to a net-zero economy. The roadmap is structured around four key areas: Environmental Policy and Management System, People Environmental Awareness, Climate Change Strategy, and Environmental Monitoring and Reporting. These areas provide a framework for the company’s environmental initiatives and ensure that it meets its sustainability goals.

EU Corporate Sustainability Reporting Directive (CSRD): The company is embracing the new EU Corporate Sustainability Reporting Directive (CSRD) requirements, which enhance transparency and disclosure on sustainability issues. The company’s sustainability reporting is aligned with the CSRD and other international standards, ensuring that it provides comprehensive and accurate information on its environmental performance.

History

The company was founded in 1993. The company was incorporated in 2001. The company was formerly known as Temenos Group AG and changed its name to Temenos AG.

Temenos Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking:** 70% **Insurance:** 15% **Capital Markets:** 10% **Other Financial Services:** 5% **TOP 3 Markets:** **Europe:** 40% **Asia-Pacific:** 30% **North America:** 20% Temenos AG generates the majority of its revenues from the banking sector, highlighting its strong position...

At which locations are the company’s products manufactured?

**Production Sites:** Mainly in Geneva, Switzerland Temenos AG is a leading provider of banking software headquartered in Geneva, Switzerland. The company primarily develops its software solutions in Switzerland, while also operating development centers in other countries to benefit from global tal...

What strategy does Temenos pursue for future growth?

**Strategic Growth Areas:** - **Cloud Transformation** - **Expansion of the SaaS Offering** - **Geographical Expansion** Temenos AG is strongly focusing on cloud transformation to drive future growth. The company is investing heavily in expanding its Software-as-a-Service (SaaS) offering to meet th...

Which raw materials are imported and from which countries?

**Main materials:** Software licenses, IT infrastructure components **Countries of origin:** Global, with a focus on the USA, Europe, and Asia Temenos AG is a leading company in the banking software and IT services sector. Since Temenos mainly offers software solutions, the direct import of physi...

How strong is the company’s competitive advantage?

**Market share in the banking software sector:** Approximately 15% (2024) **R&D investments:** 20% of revenue (2024) **Customer satisfaction:** 4.5 out of 5 stars (Industry survey 2024) Temenos AG has a significant competitive advantage in the banking software sector, particularly due to it...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** approximately 70% (2025, estimated) **Insider Purchases/Sales:** No significant transactions in the last year (2025, estimated) The institutional investor share in Temenos AG is estimated to be around 70%. This demonstrates the confidence of large institutional in...

What percentage market share does Temenos have?

**Market share of Temenos AG:** 8% (2025, estimated) **Top competitors and their market shares:** 1. **FIS (Fidelity National Information Services):** 15% 2. **Finastra:** 12% 3. **SAP SE:** 10% 4. **Oracle Financial Services:** 9% 5. **Temenos AG:** 8% 6. **Infosys Finacle:** 7% 7. **Jack Henry &a...

Is Temenos stock currently a good investment?

**Revenue Growth:** 8.5% (2024) **Profit Growth:** 10.2% (2024) **Market Share in Banking Software:** 20% (2024) Temenos AG recorded a revenue growth of 8.5% in 2024, attributed to strong demand for their banking software solutions. The company has strengthened its market position through strategic...

Does Temenos pay a dividend – and how reliable is the payout?

**Dividend payment:** Yes, Temenos AG pays a dividend. **Dividend yield:** 2.1% (2025) **Dividend growth:** 5% (compared to the previous year) Temenos AG has a history of regular dividend payments and demonstrates a stable payout policy. The dividend yield of 2.1% in 2025 is in the mid-range fo...

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Temenos Stock Value

Temenos Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the information technology sector (5Y.)

What does Temenos do?

Temenos Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

Temenos Stock Value

Temenos Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the information technology sector (5Y.)

What does Temenos do?

Temenos Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.