TEMENOS AG - REG (TE8N.DE) Fundamental Analysis & Valuation

FRA:TE8N • CH0012453913

Current stock price

79.65 EUR
+0.8 (+1.01%)
Last:

This TE8N.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. TE8N.DE Profitability Analysis

1.1 Basic Checks

  • In the past year TE8N was profitable.
  • TE8N had a positive operating cash flow in the past year.
  • Each year in the past 5 years TE8N has been profitable.
  • In the past 5 years TE8N always reported a positive cash flow from operatings.
TE8N.DE Yearly Net Income VS EBIT VS OCF VS FCFTE8N.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

1.2 Ratios

  • With an excellent Return On Assets value of 16.68%, TE8N belongs to the best of the industry, outperforming 88.70% of the companies in the same industry.
  • TE8N has a Return On Equity of 86.36%. This is amongst the best in the industry. TE8N outperforms 96.52% of its industry peers.
  • TE8N has a better Return On Invested Capital (25.39%) than 93.91% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for TE8N is in line with the industry average of 13.21%.
  • The last Return On Invested Capital (25.39%) for TE8N is above the 3 year average (12.47%), which is a sign of increasing profitability.
Industry RankSector 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%
TE8N.DE Yearly ROA, ROE, ROICTE8N.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40 50

1.3 Margins

  • The Profit Margin of TE8N (23.82%) is better than 79.13% of its industry peers.
  • TE8N's Profit Margin has declined in the last couple of years.
  • TE8N has a Operating Margin of 22.29%. This is in the better half of the industry: TE8N outperforms 79.13% of its industry peers.
  • TE8N's Operating Margin has declined in the last couple of years.
  • TE8N has a better Gross Margin (77.48%) than 62.61% of its industry peers.
  • In the last couple of years the Gross Margin of TE8N has remained more or less at the same level.
Industry RankSector 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%
TE8N.DE Yearly Profit, Operating, Gross MarginsTE8N.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. TE8N.DE Health Analysis

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
  • Compared to 5 years ago, TE8N has less shares outstanding
  • The debt/assets ratio for TE8N has been reduced compared to a year ago.
TE8N.DE Yearly Shares OutstandingTE8N.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
TE8N.DE Yearly Total Debt VS Total AssetsTE8N.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

2.2 Solvency

  • TE8N has an Altman-Z score of 3.98. This indicates that TE8N is financially healthy and has little risk of bankruptcy at the moment.
  • The Altman-Z score of TE8N (3.98) is better than 63.48% of its industry peers.
  • The Debt to FCF ratio of TE8N is 3.07, which is a good value as it means it would take TE8N, 3.07 years of fcf income to pay off all of its debts.
  • TE8N has a Debt to FCF ratio (3.07) which is in line with its industry peers.
  • A Debt/Equity ratio of 1.35 is on the high side and indicates that TE8N has dependencies on debt financing.
  • TE8N's Debt to Equity ratio of 1.35 is on the low side compared to the rest of the industry. TE8N is outperformed by 83.48% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.35
Debt/FCF 3.07
Altman-Z 3.98
ROIC/WACC4.64
WACC5.47%
TE8N.DE Yearly LT Debt VS Equity VS FCFTE8N.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.3 Liquidity

  • A Current Ratio of 0.41 indicates that TE8N may have some problems paying its short term obligations.
  • Looking at the Current ratio, with a value of 0.41, TE8N is doing worse than 90.43% of the companies in the same industry.
  • TE8N has a Quick 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.
  • With a Quick ratio value of 0.41, TE8N is not doing good in the industry: 90.43% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.41
Quick Ratio 0.41
TE8N.DE Yearly Current Assets VS Current LiabilitesTE8N.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. TE8N.DE Growth Analysis

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.
  • Measured over the past 5 years, TE8N shows a small growth in Earnings Per Share. The EPS has been growing by 2.40% on average per year.
  • TE8N shows a small growth in Revenue. In the last year, the Revenue has grown by 5.67%.
  • The Revenue has been growing slightly by 1.44% on average over the past years.
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.
  • TE8N is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.47% yearly.
EPS Next Y5.22%
EPS Next 2Y3.56%
EPS Next 3Y5.19%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
TE8N.DE Yearly Revenue VS EstimatesTE8N.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 500M 1B 1.5B
TE8N.DE Yearly EPS VS EstimatesTE8N.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2 4 6

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4

4. TE8N.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • TE8N is valuated rather expensively with a Price/Earnings ratio of 21.02.
  • 78.26% of the companies in the same industry are more expensive than TE8N, based on the Price/Earnings ratio.
  • TE8N is valuated rather cheaply when we compare the Price/Earnings ratio to 27.53, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 22.47 indicates a rather expensive valuation of TE8N.
  • Based on the Price/Forward Earnings ratio, TE8N is valued a bit cheaper than 69.57% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.95. TE8N is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 21.02
Fwd PE 22.47
TE8N.DE Price Earnings VS Forward Price EarningsTE8N.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, TE8N is valued a bit cheaper than the industry average as 64.35% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of TE8N indicates a somewhat cheap valuation: TE8N is cheaper than 72.17% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 23.67
EV/EBITDA 15.83
TE8N.DE Per share dataTE8N.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5 10 15

4.3 Compensation for Growth

  • The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
  • The decent profitability rating of TE8N may justify a higher PE ratio.
PEG (NY)4.03
PEG (5Y)8.77
EPS Next 2Y3.56%
EPS Next 3Y5.19%

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

6

5. TE8N.DE Dividend Analysis

5.1 Amount

  • TE8N has a Yearly Dividend Yield of 1.90%.
  • TE8N's Dividend Yield is rather good when compared to the industry average which is at 0.84. TE8N pays more dividend than 90.43% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.82, TE8N has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.9%

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
TE8N.DE Yearly Dividends per shareTE8N.DE Yearly Dividends per shareYearly Dividends per share 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 29.48% of the earnings are spent on dividend by TE8N. This is a low number and sustainable payout ratio.
  • TE8N's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP29.48%
EPS Next 2Y3.56%
EPS Next 3Y5.19%
TE8N.DE Yearly Income VS Free CF VS DividendTE8N.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
TE8N.DE Dividend Payout.TE8N.DE Dividend Payout, showing the Payout Ratio.TE8N.DE Dividend Payout.PayoutRetained Earnings

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TE8N.DE Fundamentals: All Metrics, Ratios and Statistics

TEMENOS AG - REG

FRA:TE8N (1/22/2026, 7:00:00 PM)

79.65

+0.8 (+1.01%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)10-28
Earnings (Next)02-24
Inst Owners74.27%
Inst Owner ChangeN/A
Ins Owners0.07%
Ins Owner ChangeN/A
Market Cap5.73B
Revenue(TTM)1.57B
Net Income(TTM)374.98M
Analysts52.17
Price Target77.55 (-2.64%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.9%
Yearly Dividend1.14
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)2.25%
EPS NQ rev (1m)-1.98%
EPS NQ rev (3m)41.62%
EPS NY rev (1m)-0.22%
EPS NY rev (3m)3.52%
Revenue NQ rev (1m)0.66%
Revenue NQ rev (3m)1.92%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.83%
Valuation
Industry RankSector Rank
PE 21.02
Fwd PE 22.47
P/S 4.34
P/FCF 23.67
P/OCF 18.9
P/B 15.72
P/tB N/A
EV/EBITDA 15.83
EPS(TTM)3.79
EY4.76%
EPS(NY)3.54
Fwd EY4.45%
FCF(TTM)3.36
FCFY4.22%
OCF(TTM)4.22
OCFY5.29%
SpS18.37
BVpS5.07
TBVpS-10
PEG (NY)4.03
PEG (5Y)8.77
Graham Number20.7847 (-73.9%)
Profitability
Industry RankSector 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 RankSector 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 3.98
F-Score7
WACC5.47%
ROIC/WACC4.64
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 Y5.22%
EPS Next 2Y3.56%
EPS Next 3Y5.19%
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 Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for TEMENOS AG - REG?

ChartMill assigns a fundamental rating of 5 / 10 to TE8N.DE.


Can you provide the valuation status for TEMENOS AG - REG?

ChartMill assigns a valuation rating of 4 / 10 to TEMENOS AG - REG (TE8N.DE). This can be considered as Fairly Valued.


How profitable is TEMENOS AG - REG (TE8N.DE) stock?

TEMENOS AG - REG (TE8N.DE) has a profitability rating of 7 / 10.


What are the PE and PB ratios of TEMENOS AG - REG (TE8N.DE) stock?

The Price/Earnings (PE) ratio for TEMENOS AG - REG (TE8N.DE) is 21.02 and the Price/Book (PB) ratio is 15.72.


What is the earnings growth outlook for TEMENOS AG - REG?

The Earnings per Share (EPS) of TEMENOS AG - REG (TE8N.DE) is expected to grow by 5.22% in the next year.