TEMENOS AG UNSP.ADR/1 (TE8A) - Net Assets
Based on the latest financial reports, TEMENOS AG UNSP.ADR/1 (TE8A) has net assets worth €415.02 Million EUR (≈ $485.20 Million USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€2.19 Billion ≈ $2.56 Billion USD) and total liabilities (€1.77 Billion ≈ $2.07 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check TE8A asset liquidity ratio to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €415.02 Million |
| % of Total Assets | 18.95% |
| Annual Growth Rate | 0.17% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 19.07 |
TEMENOS AG UNSP.ADR/1 - Net Assets Trend (2021–2025)
This chart illustrates how TEMENOS AG UNSP.ADR/1's net assets have evolved over time, based on quarterly financial data. Also explore TEMENOS AG UNSP.ADR/1 (TE8A) total assets for the complete picture of this company's asset base.
Annual Net Assets for TEMENOS AG UNSP.ADR/1 (2021–2025)
The table below shows the annual net assets of TEMENOS AG UNSP.ADR/1 from 2021 to 2025. For live valuation and market cap data, see TE8A company net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €477.98 Million ≈ $558.80 Million |
-25.20% |
| 2024-12-31 | €638.97 Million ≈ $747.03 Million |
-6.31% |
| 2023-12-31 | €681.98 Million ≈ $797.31 Million |
+17.91% |
| 2022-12-31 | €578.38 Million ≈ $676.19 Million |
+21.82% |
| 2021-12-31 | €474.79 Million ≈ $555.08 Million |
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Equity Component Analysis
This analysis shows how different components contribute to TEMENOS AG UNSP.ADR/1's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 32.3% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €1.43 Billion | 299.25% |
| Total Equity | €477.98 Million | 100.00% |
TEMENOS AG UNSP.ADR/1 Competitors by Market Cap
The table below lists competitors of TEMENOS AG UNSP.ADR/1 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hankook Tire Co.
KO:161390
|
$5.17 Billion |
|
Balchem Corporation
NASDAQ:BCPC
|
$5.17 Billion |
|
Suzhou HYC Technology Co Ltd
SHG:688001
|
$5.17 Billion |
|
Rithm Capital Corp.
NYSE:RITM
|
$5.18 Billion |
|
Perimeter Solutions SA
NYSE:PRM
|
$5.16 Billion |
|
Crispr Therapeutics AG
NASDAQ:CRSP
|
$5.16 Billion |
|
Sabra Healthcare REIT Inc
NASDAQ:SBRA
|
$5.16 Billion |
|
Shandong Xinchao Energy Co Ltd
SHG:600777
|
$5.15 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in TEMENOS AG UNSP.ADR/1's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 638,974,000 to 477,975,000, a change of -160,999,000 (-25.2%).
- Net income of 280,606,000 contributed positively to equity growth.
- Dividend payments of 110,549,000 reduced retained earnings.
- Share repurchases of 320,435,000 reduced equity.
- Other factors decreased equity by 10,621,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €280.61 Million | +58.71% |
| Dividends Paid | €110.55 Million | -23.13% |
| Share Repurchases | €320.44 Million | -67.04% |
| Other Changes | €-10.62 Million | -2.22% |
| Total Change | €- | -25.20% |
Book Value vs Market Value Analysis
This analysis compares TEMENOS AG UNSP.ADR/1's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 12.04x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 12.89x to 12.04x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €6.63 | €85.50 | x |
| 2022-12-31 | €8.06 | €85.50 | x |
| 2023-12-31 | €9.41 | €85.50 | x |
| 2024-12-31 | €9.04 | €85.50 | x |
| 2025-12-31 | €7.10 | €85.50 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently TEMENOS AG UNSP.ADR/1 utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 58.71%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 25.72%
- • Asset Turnover: 0.48x
- • Equity Multiplier: 4.71x
- Recent ROE (58.71%) is above the historical average (32.50%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 36.52% | 17.93% | 0.43x | 4.71x | €125.89 Million |
| 2022 | 19.78% | 12.05% | 0.43x | 3.86x | €56.58 Million |
| 2023 | 19.75% | 13.46% | 0.43x | 3.41x | €66.48 Million |
| 2024 | 27.73% | 16.97% | 0.46x | 3.56x | €113.28 Million |
| 2025 | 58.71% | 25.72% | 0.48x | 4.71x | €232.81 Million |
Industry Comparison
This section compares TEMENOS AG UNSP.ADR/1's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $372,127,748
- Average return on equity (ROE) among peers: -302.51%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| TEMENOS AG UNSP.ADR/1 (TE8A) | €415.02 Million | 36.52% | 4.28x | $5.16 Billion |
| Materialise NV (06MA) | $236.59 Million | 2.84% | 0.68x | $301.24 Million |
| Patriot One Technologies Inc (0PL) | $33.53 Million | -35.74% | 0.02x | $85.02 Million |
| AXWAY SOFTWARE EO 2 (1XV) | $372.22 Million | 2.58% | 0.57x | $1.09 Billion |
| Spyrosoft Spólka Akcyjna (2NP) | $160.60 Million | 21.35% | 0.53x | $111.02 Million |
| WEIMOB INC. DL-0001 (36W) | $2.80 Billion | -27.06% | 1.81x | $676.35 Million |
| ROUTE1 INC. (3R6N) | $2.73 Million | 8.15% | 4.53x | $2.46 Million |
| INSURAGUEST TECHN. INC. (4JG) | $453.79K | -310.70% | 0.59x | $99.69K |
| LIQUID AVATAR TECHNO.INC. (4T5) | $424.39K | -2677.70% | 5.96x | $1.33 Million |
| Envirosuite Limited (57P) | $116.52 Million | -8.82% | 0.24x | $67.90 Million |
| SPROUT AI INC. (5AU) | $-4.05 Million | 0.00% | 0.00x | $3.09 Million |
About TEMENOS AG UNSP.ADR/1
Temenos AG develops, markets, and sells integrated banking software systems to banking and other financial services institutions. It provides Temenos SaaS, an enterprise service for retail banking, business and corporate banking, and wealth; Temenos AI that helps banks adopt responsible AI practices by providing explainability, security, safe deployment, and banking-specific capabilities; Temenos… Read more