Temenos AG (TEMN.SW) stock analysis

In our weekly check, Temenos AG is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 3, red flags: 2.

About Temenos AG

Temenos AG is a Technology company (Software - Application) based in Switzerland, listed on SIX as TEMN.SW.

What our checks show for TEMN.SW

Red flags

• Net debt is 1.3x a year of EBITDA (debt/equity 2.26). That limits room in a downturn and raises refinancing risk.
• The stock has fallen as much as 78% from a peak. Would you have held through that?

Warning signs

• The price swings a lot: 35.1% annual volatility. Expect large ups and downs.
• Recovering from its deepest fall took about 1.8 years.
• Thinly traded (about 190 thousand shares a day): buying and selling can move the price.

Strengths

• Operating profit covers interest 52.2 times over.
• The gross margin is 69.2% and has risen by 2.9 points: pricing power is holding.
• Operating cash flow is 1.83x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 28.9% a year over the next years.
• Analysts expect the net margin to improve by 10.8 points from today's 17.5%.
• Earnings per share grew 21.2% a year over the last 3 years.

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Questions

What grade does Temenos AG (TEMN.SW) have?

In our weekly check, Temenos AG is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 20 pass, warnings: 3, red flags: 2. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of TEMN.SW stock?

This week's biggest flags for Temenos AG: High debt, Deep past fall, Very volatile. In total 5 of 25 checks show a warning or a red flag.

What does Temenos AG do?

Temenos AG is a Technology company (Software - Application) based in Switzerland, listed on SIX as TEMN.SW.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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