ALKAMI TECHNOLOGY INC (ALKT) Stock Fundamental Analysis

NASDAQ:ALKT • US01644J1088

17.03 USD
+0.36 (+2.16%)
At close: Feb 20, 2026
17.1 USD
+0.07 (+0.41%)
After Hours: 2/20/2026, 8:16:40 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ALKT. ALKT was compared to 274 industry peers in the Software industry. While ALKT seems to be doing ok healthwise, there are quite some concerns on its profitability. ALKT is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years ALKT reported 4 times negative operating cash flow.
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 -5.25%, ALKT perfoms like the industry average, outperforming 42.70% of the companies in the same industry.
  • With a Return On Equity value of -12.53%, ALKT perfoms like the industry average, outperforming 43.80% of the companies in the same industry.
Industry RankSector Rank
ROA -5.25%
ROE -12.53%
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 Gross Margin of 58.36%. This is in the lower half of the industry: ALKT underperforms 64.60% of its industry peers.
  • ALKT's Gross Margin has improved in the last couple of years.
  • 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 58.36%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • ALKT does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ALKT has more shares outstanding than it did 1 year ago.
  • The number of shares outstanding for ALKT has been increased compared to 5 years ago.
  • ALKT has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • Based on the Altman-Z score of 1.79, we must say that ALKT is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of 1.79, ALKT is in line with its industry, outperforming 51.82% of the companies in the same industry.
  • ALKT has a debt to FCF ratio of 14.91. This is a negative value and a sign of low solvency as ALKT would need 14.91 years to pay back of all of its debts.
  • ALKT's Debt to FCF ratio of 14.91 is in line compared to the rest of the industry. ALKT outperforms 49.27% of its industry peers.
  • A Debt/Equity ratio of 1.03 is on the high side and indicates that ALKT has dependencies on debt financing.
  • ALKT's Debt to Equity ratio of 1.03 is on the low side compared to the rest of the industry. ALKT is outperformed by 76.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 14.91
Altman-Z 1.79
ROIC/WACCN/A
WACC11.02%
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 2.17. This indicates that ALKT is financially healthy and has no problem in meeting its short term obligations.
  • ALKT has a better Current ratio (2.17) than 62.41% of its industry peers.
  • ALKT has a Quick Ratio of 2.17. This indicates that ALKT is financially healthy and has no problem in meeting its short term obligations.
  • ALKT's Quick ratio of 2.17 is fine compared to the rest of the industry. ALKT outperforms 62.77% of its industry peers.
Industry RankSector Rank
Current Ratio 2.17
Quick Ratio 2.17
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 166.67% over the past year.
  • ALKT shows a strong growth in Revenue. In the last year, the Revenue has grown by 30.72%.
  • The Revenue has been growing by 35.35% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)30.72%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%31.49%

3.2 Future

  • The Earnings Per Share is expected to grow by 68.56% 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 24.92% yearly.
EPS Next Y92.07%
EPS Next 2Y81.02%
EPS Next 3Y68.56%
EPS Next 5YN/A
Revenue Next Year32.8%
Revenue Next 2Y28.06%
Revenue Next 3Y24.92%
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • ALKT is valuated quite expensively with a Price/Earnings ratio of 32.75.
  • ALKT's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 26.99. ALKT is valued slightly more expensive when compared to this.
  • A Price/Forward Earnings ratio of 18.24 indicates a rather expensive valuation of ALKT.
  • Based on the Price/Forward Earnings ratio, ALKT is valued a bit cheaper than the industry average as 68.25% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of ALKT to the average of the S&P500 Index (28.02), we can say ALKT is valued slightly cheaper.
Industry RankSector Rank
PE 32.75
Fwd PE 18.24
ALKT Price Earnings VS Forward Price EarningsALKT Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ALKT is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 73.92
EV/EBITDA N/A
ALKT Per share dataALKT EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2

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 68.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y81.02%
EPS Next 3Y68.56%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for ALKT!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

ALKAMI TECHNOLOGY INC

NASDAQ:ALKT (2/20/2026, 8:16:40 PM)

After market: 17.1 +0.07 (+0.41%)

17.03

+0.36 (+2.16%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)10-30
Earnings (Next)02-25
Inst Owners82.47%
Inst Owner Change4.1%
Ins Owners22.44%
Ins Owner Change0.7%
Market Cap1.79B
Revenue(TTM)412.50M
Net Income(TTM)-43.85M
Analysts81.25
Price Target32.53 (91.02%)
Short Float %14.84%
Short Ratio6.51
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)10.16%
Min EPS beat(2)5.24%
Max EPS beat(2)15.08%
EPS beat(4)4
Avg EPS beat(4)40.91%
Min EPS beat(4)5.24%
Max EPS beat(4)113.37%
EPS beat(8)7
Avg EPS beat(8)40.84%
EPS beat(12)11
Avg EPS beat(12)47.4%
EPS beat(16)15
Avg EPS beat(16)40.35%
Revenue beat(2)0
Avg Revenue beat(2)-1.38%
Min Revenue beat(2)-2.68%
Max Revenue beat(2)-0.08%
Revenue beat(4)1
Avg Revenue beat(4)-0.77%
Min Revenue beat(4)-2.68%
Max Revenue beat(4)1.64%
Revenue beat(8)1
Avg Revenue beat(8)-0.95%
Revenue beat(12)3
Avg Revenue beat(12)-0.61%
Revenue beat(16)7
Avg Revenue beat(16)-0.13%
PT rev (1m)-2.05%
PT rev (3m)-6.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.79%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.08%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 32.75
Fwd PE 18.24
P/S 4.33
P/FCF 73.92
P/OCF 55.17
P/B 5.11
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.52
EY3.05%
EPS(NY)0.93
Fwd EY5.48%
FCF(TTM)0.23
FCFY1.35%
OCF(TTM)0.31
OCFY1.81%
SpS3.93
BVpS3.33
TBVpS-2.08
PEG (NY)0.36
PEG (5Y)N/A
Graham Number6.25
Profitability
Industry RankSector Rank
ROA -5.25%
ROE -12.53%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 58.36%
FCFM 5.86%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.49
Health
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 14.91
Debt/EBITDA N/A
Cap/Depr 37.87%
Cap/Sales 1.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.17
Quick Ratio 2.17
Altman-Z 1.79
F-Score4
WACC11.02%
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)166.67%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y92.07%
EPS Next 2Y81.02%
EPS Next 3Y68.56%
EPS Next 5YN/A
Revenue 1Y (TTM)30.72%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%31.49%
Revenue Next Year32.8%
Revenue Next 2Y28.06%
Revenue Next 3Y24.92%
Revenue Next 5YN/A
EBIT growth 1Y1.26%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year142.39%
EBIT Next 3Y88.27%
EBIT Next 5YN/A
FCF growth 1Y176.75%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y225.77%
OCF growth 3YN/A
OCF growth 5YN/A

ALKAMI TECHNOLOGY INC / ALKT FAQ

What is the fundamental rating for ALKT stock?

ChartMill assigns a fundamental rating of 4 / 10 to ALKT.


What is the valuation status for ALKT stock?

ChartMill assigns a valuation rating of 4 / 10 to ALKAMI TECHNOLOGY INC (ALKT). This can be considered as Fairly Valued.


What is the profitability of ALKT stock?

ALKAMI TECHNOLOGY INC (ALKT) has a profitability rating of 2 / 10.


What is the valuation of ALKAMI TECHNOLOGY INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for ALKAMI TECHNOLOGY INC (ALKT) is 32.75 and the Price/Book (PB) ratio is 5.11.


What is the expected EPS growth for ALKAMI TECHNOLOGY INC (ALKT) stock?

The Earnings per Share (EPS) of ALKAMI TECHNOLOGY INC (ALKT) is expected to grow by 92.07% in the next year.