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ALKAMI TECHNOLOGY INC (ALKT) Stock Fundamental Analysis

NASDAQ:ALKT - Nasdaq - US01644J1088 - Common Stock - Currency: USD

29.24  +0.22 (+0.76%)

After market: 29.24 0 (0%)

Fundamental Rating

4

ALKT gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 282 industry peers in the Software industry. The financial health of ALKT is average, but there are quite some concerns on its profitability. ALKT is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ALKT had positive earnings in the past year.
ALKT had a positive operating cash flow in the past year.
ALKT had negative earnings in each of the past 5 years.
ALKT had negative operating cash flow in 4 of the past 5 years.
ALKT Yearly Net Income VS EBIT VS OCF VS FCFALKT Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 -20M -40M -60M

1.2 Ratios

ALKT has a Return On Assets (-4.45%) which is in line with its industry peers.
Looking at the Return On Equity, with a value of -11.14%, ALKT is in line with its industry, outperforming 48.94% of the companies in the same industry.
Industry RankSector Rank
ROA -4.45%
ROE -11.14%
ROIC N/A
ROA(3y)-12.35%
ROA(5y)-14.11%
ROE(3y)-16.11%
ROE(5y)-18.7%
ROIC(3y)N/A
ROIC(5y)N/A
ALKT Yearly ROA, ROE, ROICALKT Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 -50 -100 -150 -200 -250

1.3 Margins

ALKT's Gross Margin of 59.16% is on the low side compared to the rest of the industry. ALKT is outperformed by 61.35% of its industry peers.
In the last couple of years the Gross Margin of ALKT has grown nicely.
ALKT does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 59.16%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.27%
GM growth 5Y7.33%
ALKT Yearly Profit, Operating, Gross MarginsALKT Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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5

2. Health

2.1 Basic Checks

ALKT does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ALKT has been increased compared to 1 year ago.
The number of shares outstanding for ALKT has been increased compared to 5 years ago.
There is no outstanding debt for ALKT. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ALKT Yearly Shares OutstandingALKT Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
ALKT Yearly Total Debt VS Total AssetsALKT Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.2 Solvency

ALKT has an Altman-Z score of 3.17. This indicates that ALKT is financially healthy and has little risk of bankruptcy at the moment.
ALKT has a Altman-Z score of 3.17. This is comparable to the rest of the industry: ALKT outperforms 59.57% of its industry peers.
The Debt to FCF ratio of ALKT is 102.13, which is on the high side as it means it would take ALKT, 102.13 years of fcf income to pay off all of its debts.
ALKT's Debt to FCF ratio of 102.13 is in line compared to the rest of the industry. ALKT outperforms 45.04% of its industry peers.
A Debt/Equity ratio of 1.18 is on the high side and indicates that ALKT has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 1.18, ALKT is doing worse than 75.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.18
Debt/FCF 102.13
Altman-Z 3.17
ROIC/WACCN/A
WACC11.05%
ALKT Yearly LT Debt VS Equity VS FCFALKT Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 2.75 indicates that ALKT has no problem at all paying its short term obligations.
ALKT has a better Current ratio (2.75) than 74.47% of its industry peers.
ALKT has a Quick Ratio of 2.75. This indicates that ALKT is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of ALKT (2.75) is better than 74.82% of its industry peers.
Industry RankSector Rank
Current Ratio 2.75
Quick Ratio 2.75
ALKT Yearly Current Assets VS Current LiabilitesALKT Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M

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8

3. Growth

3.1 Past

ALKT shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 1031.58%, which is quite impressive.
ALKT shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.55%.
ALKT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.35% yearly.
EPS 1Y (TTM)1031.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%322.22%
Revenue 1Y (TTM)26.55%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%28.52%

3.2 Future

The Earnings Per Share is expected to grow by 64.33% on average over the next years. This is a very strong growth
ALKT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.20% yearly.
EPS Next Y60.26%
EPS Next 2Y71.82%
EPS Next 3Y64.33%
EPS Next 5YN/A
Revenue Next Year33.48%
Revenue Next 2Y29.02%
Revenue Next 3Y26.2%
Revenue Next 5YN/A

3.3 Evolution

The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
ALKT Yearly Revenue VS EstimatesALKT Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
ALKT Yearly EPS VS EstimatesALKT Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 1

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2

4. Valuation

4.1 Price/Earnings Ratio

ALKT is valuated quite expensively with a Price/Earnings ratio of 68.00.
ALKT's Price/Earnings is on the same level as the industry average.
ALKT is valuated expensively when we compare the Price/Earnings ratio to 26.35, which is the current average of the S&P500 Index.
ALKT is valuated quite expensively with a Price/Forward Earnings ratio of 34.75.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ALKT is on the same level as its industry peers.
ALKT is valuated expensively when we compare the Price/Forward Earnings ratio to 22.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 68
Fwd PE 34.75
ALKT Price Earnings VS Forward Price EarningsALKT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

ALKT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 779.38
EV/EBITDA N/A
ALKT Per share dataALKT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1 2 -2 3

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
ALKT's earnings are expected to grow with 64.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.13
PEG (5Y)N/A
EPS Next 2Y71.82%
EPS Next 3Y64.33%

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0

5. Dividend

5.1 Amount

ALKT does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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ALKAMI TECHNOLOGY INC

NASDAQ:ALKT (5/27/2025, 8:00:50 PM)

After market: 29.24 0 (0%)

29.24

+0.22 (+0.76%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-29 2025-07-29/amc
Inst Owners62.98%
Inst Owner Change11.14%
Ins Owners22.84%
Ins Owner Change0.52%
Market Cap3.01B
Analysts82.35
Price Target40.09 (37.11%)
Short Float %8.07%
Short Ratio3.43
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)71.65%
Min EPS beat(2)29.93%
Max EPS beat(2)113.37%
EPS beat(4)4
Avg EPS beat(4)60.61%
Min EPS beat(4)27.74%
Max EPS beat(4)113.37%
EPS beat(8)7
Avg EPS beat(8)58.95%
EPS beat(12)11
Avg EPS beat(12)48.78%
EPS beat(16)15
Avg EPS beat(16)39.53%
Revenue beat(2)1
Avg Revenue beat(2)-0.16%
Min Revenue beat(2)-1.95%
Max Revenue beat(2)1.64%
Revenue beat(4)1
Avg Revenue beat(4)-0.51%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)1.64%
Revenue beat(8)2
Avg Revenue beat(8)-0.49%
Revenue beat(12)5
Avg Revenue beat(12)-0.08%
Revenue beat(16)8
Avg Revenue beat(16)0.09%
PT rev (1m)-7.53%
PT rev (3m)-11.49%
EPS NQ rev (1m)3.29%
EPS NQ rev (3m)-33.6%
EPS NY rev (1m)9.13%
EPS NY rev (3m)-12.1%
Revenue NQ rev (1m)-0.16%
Revenue NQ rev (3m)7.94%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)7.45%
Valuation
Industry RankSector Rank
PE 68
Fwd PE 34.75
P/S 8.47
P/FCF 779.38
P/OCF 251.4
P/B 9.02
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.43
EY1.47%
EPS(NY)0.84
Fwd EY2.88%
FCF(TTM)0.04
FCFY0.13%
OCF(TTM)0.12
OCFY0.4%
SpS3.45
BVpS3.24
TBVpS-2.38
PEG (NY)1.13
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.45%
ROE -11.14%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 59.16%
FCFM 1.09%
ROA(3y)-12.35%
ROA(5y)-14.11%
ROE(3y)-16.11%
ROE(5y)-18.7%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y2.27%
GM growth 5Y7.33%
F-Score4
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 1.18
Debt/FCF 102.13
Debt/EBITDA N/A
Cap/Depr 71.35%
Cap/Sales 2.28%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.75
Quick Ratio 2.75
Altman-Z 3.17
F-Score4
WACC11.05%
ROIC/WACCN/A
Cap/Depr(3y)64.04%
Cap/Depr(5y)75.4%
Cap/Sales(3y)2.34%
Cap/Sales(5y)2.28%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)1031.58%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%322.22%
EPS Next Y60.26%
EPS Next 2Y71.82%
EPS Next 3Y64.33%
EPS Next 5YN/A
Revenue 1Y (TTM)26.55%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%28.52%
Revenue Next Year33.48%
Revenue Next 2Y29.02%
Revenue Next 3Y26.2%
Revenue Next 5YN/A
EBIT growth 1Y28.06%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year119.79%
EBIT Next 3Y85.91%
EBIT Next 5YN/A
FCF growth 1Y108.86%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y130.68%
OCF growth 3YN/A
OCF growth 5YN/A