TEMENOS AG - REG (TE8N.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:TE8N - CH0012453913 - Common Stock
85.4 EUR
+1.35 (+1.61%)
TE8N gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 105 industry peers in the Software industry. TE8N scores excellent on profitability, but there are some minor concerns on its financial health. TE8N has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year TE8N was profitable.
TE8N had a positive operating cash flow in the past year.
TE8N had positive earnings in each of the past 5 years.
In the past 5 years TE8N always reported a positive cash flow from operatings.
1.2 Ratios
TE8N has a Return On Assets of 16.68%. This is amongst the best in the industry. TE8N outperforms 91.43% of its industry peers.
TE8N's Return On Equity of 86.36% is amongst the best of the industry. TE8N outperforms 98.10% of its industry peers.
Looking at the Return On Invested Capital, with a value of 25.39%, TE8N belongs to the top of the industry, outperforming 94.29% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for TE8N is in line with the industry average of 13.30%.
The 3 year average ROIC (12.47%) for TE8N is below the current ROIC(25.39%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.68% | ||
| ROE | 86.36% | ||
| ROIC | 25.39% |
ROA(3y)6.23%
ROA(5y)6.87%
ROE(3y)22.72%
ROE(5y)27.62%
ROIC(3y)12.47%
ROIC(5y)12.68%
1.3 Margins
The Profit Margin of TE8N (23.82%) is better than 80.00% of its industry peers.
TE8N's Profit Margin has declined in the last couple of years.
TE8N's Operating Margin of 22.29% is fine compared to the rest of the industry. TE8N outperforms 78.10% of its industry peers.
In the last couple of years the Operating Margin of TE8N has declined.
The Gross Margin of TE8N (77.48%) is comparable to the rest of the industry.
TE8N's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 22.29% | ||
| PM (TTM) | 23.82% | ||
| GM | 77.48% |
OM growth 3Y-3.47%
OM growth 5Y-1.78%
PM growth 3Y-1.82%
PM growth 5Y-1.85%
GM growth 3Y2.8%
GM growth 5Y-0.2%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), TE8N is creating value.
Compared to 1 year ago, TE8N has less shares outstanding
The number of shares outstanding for TE8N has been reduced compared to 5 years ago.
The debt/assets ratio for TE8N has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 4.11 indicates that TE8N is not in any danger for bankruptcy at the moment.
TE8N's Altman-Z score of 4.11 is fine compared to the rest of the industry. TE8N outperforms 61.90% of its industry peers.
TE8N has a debt to FCF ratio of 3.07. This is a good value and a sign of high solvency as TE8N would need 3.07 years to pay back of all of its debts.
The Debt to FCF ratio of TE8N (3.07) is comparable to the rest of the industry.
A Debt/Equity ratio of 1.35 is on the high side and indicates that TE8N has dependencies on debt financing.
TE8N has a worse Debt to Equity ratio (1.35) than 84.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.35 | ||
| Debt/FCF | 3.07 | ||
| Altman-Z | 4.11 |
ROIC/WACC5.12
WACC4.96%
2.3 Liquidity
TE8N has a Current Ratio of 0.41. This is a bad value and indicates that TE8N is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.41, TE8N is doing worse than 91.43% of the companies in the same industry.
A Quick Ratio of 0.41 indicates that TE8N may have some problems paying its short term obligations.
With a Quick ratio value of 0.41, TE8N is not doing good in the industry: 91.43% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 |
3. Growth
3.1 Past
TE8N shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.64%, which is quite impressive.
TE8N shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 2.40% yearly.
Looking at the last year, TE8N shows a small growth in Revenue. The Revenue has grown by 5.67% in the last year.
Measured over the past years, TE8N shows a small growth in Revenue. The Revenue has been growing by 1.44% on average per year.
EPS 1Y (TTM)30.64%
EPS 3Y1.12%
EPS 5Y2.4%
EPS Q2Q%22.37%
Revenue 1Y (TTM)5.67%
Revenue growth 3Y2.59%
Revenue growth 5Y1.44%
Sales Q2Q%4.7%
3.2 Future
TE8N is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.86% yearly.
Based on estimates for the next years, TE8N will show a small growth in Revenue. The Revenue will grow by 6.47% on average per year.
EPS Next Y5.46%
EPS Next 2Y3.33%
EPS Next 3Y4.95%
EPS Next 5Y7.86%
Revenue Next Year2.82%
Revenue Next 2Y3.87%
Revenue Next 3Y4.58%
Revenue Next 5Y6.47%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 22.24 indicates a rather expensive valuation of TE8N.
Based on the Price/Earnings ratio, TE8N is valued a bit cheaper than 78.10% of the companies in the same industry.
When comparing the Price/Earnings ratio of TE8N to the average of the S&P500 Index (26.77), we can say TE8N is valued inline with the index average.
A Price/Forward Earnings ratio of 23.87 indicates a rather expensive valuation of TE8N.
TE8N's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. TE8N is cheaper than 67.62% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.35. TE8N is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.24 | ||
| Fwd PE | 23.87 |
4.2 Price Multiples
63.81% of the companies in the same industry are more expensive than TE8N, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of TE8N indicates a somewhat cheap valuation: TE8N is cheaper than 70.48% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.04 | ||
| EV/EBITDA | 16.66 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates TE8N does not grow enough to justify the current Price/Earnings ratio.
The decent profitability rating of TE8N may justify a higher PE ratio.
PEG (NY)4.08
PEG (5Y)9.28
EPS Next 2Y3.33%
EPS Next 3Y4.95%
5. Dividend
5.1 Amount
TE8N has a Yearly Dividend Yield of 1.64%. Purely for dividend investing, there may be better candidates out there.
TE8N's Dividend Yield is rather good when compared to the industry average which is at 0.70. TE8N pays more dividend than 86.67% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.00, TE8N has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
5.2 History
The dividend of TE8N is nicely growing with an annual growth rate of 12.63%!
Dividend Growth(5Y)12.63%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
TE8N pays out 29.48% of its income as dividend. This is a sustainable payout ratio.
TE8N's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.48%
EPS Next 2Y3.33%
EPS Next 3Y4.95%
FRA:TE8N (12/23/2025, 7:00:00 PM)
85.4
+1.35 (+1.61%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners75.04%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap6.14B
Revenue(TTM)1.57B
Net Income(TTM)374.98M
Analysts52.17
Price Target77.55 (-9.19%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.64% |
Yearly Dividend1.15
Dividend Growth(5Y)12.63%
DP29.48%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)23.17%
Min EPS beat(2)15.73%
Max EPS beat(2)30.61%
EPS beat(4)3
Avg EPS beat(4)18.77%
Min EPS beat(4)-0.26%
Max EPS beat(4)30.61%
EPS beat(8)6
Avg EPS beat(8)12.52%
EPS beat(12)9
Avg EPS beat(12)12.45%
EPS beat(16)10
Avg EPS beat(16)5.08%
Revenue beat(2)2
Avg Revenue beat(2)6.09%
Min Revenue beat(2)2.81%
Max Revenue beat(2)9.38%
Revenue beat(4)2
Avg Revenue beat(4)1.38%
Min Revenue beat(4)-5.82%
Max Revenue beat(4)9.38%
Revenue beat(8)4
Avg Revenue beat(8)19.92%
Revenue beat(12)7
Avg Revenue beat(12)26.78%
Revenue beat(16)9
Avg Revenue beat(16)28.59%
PT rev (1m)0%
PT rev (3m)4.96%
EPS NQ rev (1m)1.71%
EPS NQ rev (3m)34.02%
EPS NY rev (1m)-0.41%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.92%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.24 | ||
| Fwd PE | 23.87 | ||
| P/S | 4.59 | ||
| P/FCF | 25.04 | ||
| P/OCF | 19.98 | ||
| P/B | 16.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | 16.66 |
EPS(TTM)3.84
EY4.5%
EPS(NY)3.58
Fwd EY4.19%
FCF(TTM)3.41
FCFY3.99%
OCF(TTM)4.27
OCFY5%
SpS18.62
BVpS5.14
TBVpS-10.14
PEG (NY)4.08
PEG (5Y)9.28
Graham Number21.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 16.68% | ||
| ROE | 86.36% | ||
| ROCE | 31.27% | ||
| ROIC | 25.39% | ||
| ROICexc | 30.38% | ||
| ROICexgc | N/A | ||
| OM | 22.29% | ||
| PM (TTM) | 23.82% | ||
| GM | 77.48% | ||
| FCFM | 18.32% |
ROA(3y)6.23%
ROA(5y)6.87%
ROE(3y)22.72%
ROE(5y)27.62%
ROIC(3y)12.47%
ROIC(5y)12.68%
ROICexc(3y)14.26%
ROICexc(5y)14.28%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)15.36%
ROCE(5y)15.61%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y4.54%
ROICexc growth 5Y7.23%
OM growth 3Y-3.47%
OM growth 5Y-1.78%
PM growth 3Y-1.82%
PM growth 5Y-1.85%
GM growth 3Y2.8%
GM growth 5Y-0.2%
F-Score7
Asset Turnover0.7
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.35 | ||
| Debt/FCF | 3.07 | ||
| Debt/EBITDA | 1.23 | ||
| Cap/Depr | 58.5% | ||
| Cap/Sales | 4.63% | ||
| Interest Coverage | 18.81 | ||
| Cash Conversion | 75.98% | ||
| Profit Quality | 76.9% | ||
| Current Ratio | 0.41 | ||
| Quick Ratio | 0.41 | ||
| Altman-Z | 4.11 |
F-Score7
WACC4.96%
ROIC/WACC5.12
Cap/Depr(3y)66.76%
Cap/Depr(5y)64.83%
Cap/Sales(3y)9.14%
Cap/Sales(5y)9.54%
Profit Quality(3y)169.79%
Profit Quality(5y)177.1%
High Growth Momentum
Growth
EPS 1Y (TTM)30.64%
EPS 3Y1.12%
EPS 5Y2.4%
EPS Q2Q%22.37%
EPS Next Y5.46%
EPS Next 2Y3.33%
EPS Next 3Y4.95%
EPS Next 5Y7.86%
Revenue 1Y (TTM)5.67%
Revenue growth 3Y2.59%
Revenue growth 5Y1.44%
Sales Q2Q%4.7%
Revenue Next Year2.82%
Revenue Next 2Y3.87%
Revenue Next 3Y4.58%
Revenue Next 5Y6.47%
EBIT growth 1Y19.9%
EBIT growth 3Y-0.97%
EBIT growth 5Y-0.36%
EBIT Next Year37.57%
EBIT Next 3Y15.81%
EBIT Next 5Y12.24%
FCF growth 1Y22.8%
FCF growth 3Y-7.33%
FCF growth 5Y1.2%
OCF growth 1Y11.97%
OCF growth 3Y-7.57%
OCF growth 5Y0.92%
TEMENOS AG - REG / TE8N.DE FAQ
Can you provide the ChartMill fundamental rating for TEMENOS AG - REG?
ChartMill assigns a fundamental rating of 5 / 10 to TE8N.DE.
What is the valuation status of TEMENOS AG - REG (TE8N.DE) stock?
ChartMill assigns a valuation rating of 4 / 10 to TEMENOS AG - REG (TE8N.DE). This can be considered as Fairly Valued.
What is the profitability of TE8N stock?
TEMENOS AG - REG (TE8N.DE) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for TE8N stock?
The Price/Earnings (PE) ratio for TEMENOS AG - REG (TE8N.DE) is 22.24 and the Price/Book (PB) ratio is 16.63.
Can you provide the financial health for TE8N stock?
The financial health rating of TEMENOS AG - REG (TE8N.DE) is 4 / 10.