Logo image of ALKT

ALKAMI TECHNOLOGY INC (ALKT) Stock Fundamental Analysis

NASDAQ:ALKT - US01644J1088 - Common Stock

24.785 USD
-0.11 (-0.42%)
Last: 8/26/2025, 8:14:39 PM
24.7845 USD
0 (0%)
After Hours: 8/26/2025, 8:14:39 PM
Fundamental Rating

4

Taking everything into account, ALKT scores 4 out of 10 in our fundamental rating. ALKT was compared to 282 industry peers in the Software industry. ALKT scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. ALKT is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

Quickly go to:

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.
In the past 5 years ALKT always reported negative net income.
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

With a Return On Assets value of -4.58%, ALKT perfoms like the industry average, outperforming 45.39% of the companies in the same industry.
ALKT has a Return On Equity (-11.19%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA -4.58%
ROE -11.19%
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 has a worse Gross Margin (58.94%) than 63.12% of its industry peers.
In the last couple of years the Gross Margin of ALKT has grown nicely.
The Profit Margin and Operating Margin are not available for ALKT so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 58.94%
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

More info and screens

4

2. Health

2.1 Basic Checks

ALKT does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ALKT has more shares outstanding
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 2.75. This is not the best score and indicates that ALKT is in the grey zone with still only limited risk for bankruptcy at the moment.
ALKT's Altman-Z score of 2.75 is in line compared to the rest of the industry. ALKT outperforms 56.74% of its industry peers.
ALKT has a debt to FCF ratio of 87.71. This is a negative value and a sign of low solvency as ALKT would need 87.71 years to pay back of all of its debts.
ALKT has a Debt to FCF ratio of 87.71. This is comparable to the rest of the industry: ALKT outperforms 47.52% of its industry peers.
A Debt/Equity ratio of 1.12 is on the high side and indicates that ALKT has dependencies on debt financing.
ALKT has a Debt to Equity ratio of 1.12. This is in the lower half of the industry: ALKT underperforms 75.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.12
Debt/FCF 87.71
Altman-Z 2.75
ROIC/WACCN/A
WACC11.27%
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

ALKT has a Current Ratio of 2.68. This indicates that ALKT is financially healthy and has no problem in meeting its short term obligations.
ALKT's Current ratio of 2.68 is fine compared to the rest of the industry. ALKT outperforms 73.76% of its industry peers.
A Quick Ratio of 2.68 indicates that ALKT has no problem at all paying its short term obligations.
The Quick ratio of ALKT (2.68) is better than 74.47% of its industry peers.
Industry RankSector Rank
Current Ratio 2.68
Quick Ratio 2.68
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

More info and screens

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 298.31%, which is quite impressive.
Looking at the last year, ALKT shows a very strong growth in Revenue. The Revenue has grown by 29.63%.
ALKT shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 35.35% yearly.
EPS 1Y (TTM)298.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
Revenue 1Y (TTM)29.63%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%36.39%

3.2 Future

Based on estimates for the next years, ALKT will show a very strong growth in Earnings Per Share. The EPS will grow by 67.23% on average per year.
ALKT is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 26.08% yearly.
EPS Next Y77.76%
EPS Next 2Y80.1%
EPS Next 3Y67.23%
EPS Next 5YN/A
Revenue Next Year33.6%
Revenue Next 2Y29.25%
Revenue Next 3Y26.08%
Revenue Next 5YN/A

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of 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

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 52.73, the valuation of ALKT can be described as expensive.
ALKT's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of ALKT to the average of the S&P500 Index (27.08), we can say ALKT is valued expensively.
ALKT is valuated quite expensively with a Price/Forward Earnings ratio of 26.81.
ALKT's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ALKT is cheaper than 66.67% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ALKT to the average of the S&P500 Index (22.67), we can say ALKT is valued inline with the index average.
Industry RankSector Rank
PE 52.73
Fwd PE 26.81
ALKT Price Earnings VS Forward Price EarningsALKT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

ALKT's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 587.35
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
ALKT's earnings are expected to grow with 67.23% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.68
PEG (5Y)N/A
EPS Next 2Y80.1%
EPS Next 3Y67.23%

More info and screens

0

5. Dividend

5.1 Amount

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

More info and screens

ALKAMI TECHNOLOGY INC

NASDAQ:ALKT (8/26/2025, 8:14:39 PM)

After market: 24.7845 0 (0%)

24.785

-0.11 (-0.42%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)07-30 2025-07-30/amc
Earnings (Next)10-28 2025-10-28/amc
Inst Owners69.74%
Inst Owner Change8.28%
Ins Owners22.74%
Ins Owner Change-0.94%
Market Cap2.58B
Analysts81.25
Price Target39.02 (57.43%)
Short Float %10.42%
Short Ratio5.18
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)64.23%
Min EPS beat(2)15.08%
Max EPS beat(2)113.37%
EPS beat(4)4
Avg EPS beat(4)46.53%
Min EPS beat(4)15.08%
Max EPS beat(4)113.37%
EPS beat(8)7
Avg EPS beat(8)55.1%
EPS beat(12)11
Avg EPS beat(12)48.54%
EPS beat(16)15
Avg EPS beat(16)40.33%
Revenue beat(2)1
Avg Revenue beat(2)0.78%
Min Revenue beat(2)-0.08%
Max Revenue beat(2)1.64%
Revenue beat(4)1
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-1.95%
Max Revenue beat(4)1.64%
Revenue beat(8)1
Avg Revenue beat(8)-0.78%
Revenue beat(12)4
Avg Revenue beat(12)-0.35%
Revenue beat(16)8
Avg Revenue beat(16)0.09%
PT rev (1m)-1.08%
PT rev (3m)-2.67%
EPS NQ rev (1m)1.46%
EPS NQ rev (3m)-19.99%
EPS NY rev (1m)4.16%
EPS NY rev (3m)10.92%
Revenue NQ rev (1m)-1.65%
Revenue NQ rev (3m)6.94%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.08%
Valuation
Industry RankSector Rank
PE 52.73
Fwd PE 26.81
P/S 6.69
P/FCF 587.35
P/OCF 204.88
P/B 7.5
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.47
EY1.9%
EPS(NY)0.92
Fwd EY3.73%
FCF(TTM)0.04
FCFY0.17%
OCF(TTM)0.12
OCFY0.49%
SpS3.7
BVpS3.31
TBVpS-2.23
PEG (NY)0.68
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -4.58%
ROE -11.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 58.94%
FCFM 1.14%
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 Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 1.12
Debt/FCF 87.71
Debt/EBITDA N/A
Cap/Depr 49.63%
Cap/Sales 2.13%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.68
Quick Ratio 2.68
Altman-Z 2.75
F-Score4
WACC11.27%
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)298.31%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%80%
EPS Next Y77.76%
EPS Next 2Y80.1%
EPS Next 3Y67.23%
EPS Next 5YN/A
Revenue 1Y (TTM)29.63%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%36.39%
Revenue Next Year33.6%
Revenue Next 2Y29.25%
Revenue Next 3Y26.08%
Revenue Next 5YN/A
EBIT growth 1Y17.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year126.94%
EBIT Next 3Y87.16%
EBIT Next 5YN/A
FCF growth 1Y111.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y137.42%
OCF growth 3YN/A
OCF growth 5YN/A