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ALKAMI TECHNOLOGY INC (ALKT) Stock Fundamental Analysis

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

28.25  +0.03 (+0.11%)

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 expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

ALKT had positive earnings in the past year.
In the past year ALKT had a positive cash flow from operations.
In the past 5 years ALKT always reported negative net income.
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 -4.45%, ALKT perfoms like the industry average, outperforming 50.71% of the companies in the same industry.
ALKT has a Return On Equity (-11.14%) which is in line with its industry peers.
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 has a worse Gross Margin (59.16%) than 62.06% 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.
ALKT has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, ALKT has more shares outstanding
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 3.08. This indicates that ALKT is financially healthy and has little risk of bankruptcy at the moment.
ALKT has a Altman-Z score of 3.08. This is comparable to the rest of the industry: ALKT outperforms 57.80% of its industry peers.
ALKT has a debt to FCF ratio of 102.13. This is a negative value and a sign of low solvency as ALKT would need 102.13 years to pay back of 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 47.16% of its industry peers.
ALKT has a Debt/Equity ratio of 1.18. This is a high value indicating a heavy dependency on external financing.
ALKT has a Debt to Equity ratio of 1.18. This is in the lower half of the industry: ALKT underperforms 75.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.18
Debt/FCF 102.13
Altman-Z 3.08
ROIC/WACCN/A
WACC11.11%
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 2.75. This indicates that ALKT is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of ALKT (2.75) is better than 75.53% of its industry peers.
A Quick Ratio of 2.75 indicates that ALKT has no problem at all paying its short term obligations.
ALKT's Quick ratio of 2.75 is fine compared to the rest of the industry. ALKT outperforms 75.89% 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

The Earnings Per Share has grown by an impressive 1031.58% over the past year.
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 62.79% on average over the next years. This is a very strong growth
Based on estimates for the next years, ALKT will show a very strong growth in Revenue. The Revenue will grow by 26.27% on average per year.
EPS Next Y70.65%
EPS Next 2Y74.41%
EPS Next 3Y62.79%
EPS Next 5YN/A
Revenue Next Year33.61%
Revenue Next 2Y29.3%
Revenue Next 3Y26.27%
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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 65.70 indicates a quite expensive valuation of ALKT.
ALKT's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.46. ALKT is valued rather expensively when compared to this.
ALKT is valuated quite expensively with a Price/Forward Earnings ratio of 32.59.
Based on the Price/Forward Earnings ratio, ALKT is valued a bit cheaper than the industry average as 63.12% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.44, ALKT is valued at the same level.
Industry RankSector Rank
PE 65.7
Fwd PE 32.59
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

The rest of the industry has a similar Price/Free Cash Flow ratio as ALKT.
Industry RankSector Rank
P/FCF 752.99
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.
A more expensive valuation may be justified as ALKT's earnings are expected to grow with 62.79% in the coming years.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y74.41%
EPS Next 3Y62.79%

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0

5. Dividend

5.1 Amount

No dividends for ALKT!.
Industry RankSector Rank
Dividend Yield N/A

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ALKAMI TECHNOLOGY INC

NASDAQ:ALKT (7/22/2025, 2:33:55 PM)

28.25

+0.03 (+0.11%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)04-30 2025-04-30/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners68.09%
Inst Owner Change0.14%
Ins Owners22.77%
Ins Owner Change0.93%
Market Cap2.91B
Analysts82.35
Price Target39.44 (39.61%)
Short Float %10.7%
Short Ratio6.83
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)-0.85%
PT rev (3m)-9.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.93%
EPS NY rev (1m)2.88%
EPS NY rev (3m)16.22%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)-0.19%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.65%
Valuation
Industry RankSector Rank
PE 65.7
Fwd PE 32.59
P/S 8.19
P/FCF 752.99
P/OCF 242.89
P/B 8.71
P/tB N/A
EV/EBITDA N/A
EPS(TTM)0.43
EY1.52%
EPS(NY)0.87
Fwd EY3.07%
FCF(TTM)0.04
FCFY0.13%
OCF(TTM)0.12
OCFY0.41%
SpS3.45
BVpS3.24
TBVpS-2.38
PEG (NY)0.93
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 3.08
F-Score4
WACC11.11%
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 Y70.65%
EPS Next 2Y74.41%
EPS Next 3Y62.79%
EPS Next 5YN/A
Revenue 1Y (TTM)26.55%
Revenue growth 3Y29.93%
Revenue growth 5Y35.35%
Sales Q2Q%28.52%
Revenue Next Year33.61%
Revenue Next 2Y29.3%
Revenue Next 3Y26.27%
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