Temenos AG
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
Temenos AG (TMNSF) - Net Assets
Latest net assets as of September 2025: $433.75 Million USD
Based on the latest financial reports, Temenos AG (TMNSF) has net assets worth $433.75 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.25 Billion) and total liabilities ($1.81 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $433.75 Million |
| % of Total Assets | 19.31% |
| Annual Growth Rate | 12.01% |
| 5-Year Change | 22.08% |
| 10-Year Change | 70.26% |
| Growth Volatility | 22.81 |
Temenos AG - Net Assets Trend (2002–2024)
This chart illustrates how Temenos AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Temenos AG (2002–2024)
The table below shows the annual net assets of Temenos AG from 2002 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $638.97 Million | -6.31% |
| 2023-12-31 | $681.98 Million | +23.31% |
| 2022-12-31 | $553.04 Million | +16.48% |
| 2021-12-31 | $474.79 Million | -9.29% |
| 2020-12-31 | $523.40 Million | +17.60% |
| 2019-12-31 | $445.08 Million | +48.97% |
| 2018-12-31 | $298.77 Million | -21.28% |
| 2017-12-31 | $379.51 Million | -4.92% |
| 2016-12-31 | $399.14 Million | +6.35% |
| 2015-12-31 | $375.30 Million | +9.72% |
| 2014-12-31 | $342.04 Million | -16.20% |
| 2013-12-31 | $408.17 Million | +5.26% |
| 2012-12-31 | $387.78 Million | +11.37% |
| 2011-12-31 | $348.18 Million | -29.34% |
| 2010-12-31 | $492.73 Million | +63.71% |
| 2009-12-31 | $300.97 Million | +47.09% |
| 2008-12-31 | $204.61 Million | +15.31% |
| 2007-12-31 | $177.44 Million | +30.33% |
| 2006-12-31 | $136.14 Million | +34.76% |
| 2005-12-31 | $101.03 Million | +20.01% |
| 2004-12-31 | $84.18 Million | +27.17% |
| 2003-12-31 | $66.19 Million | +25.54% |
| 2002-12-31 | $52.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Temenos AG'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 129028105100.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.26 Billion | 196.45% |
| Common Stock | $254.76 Million | 39.87% |
| Other Comprehensive Income | $-1.33 Billion | -207.65% |
| Other Components | $455.74 Million | 71.32% |
| Total Equity | $638.97 Million | 100.00% |
Temenos AG Competitors by Market Cap
The table below lists competitors of Temenos AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
AAR Corp
NYSE:AIR
|
$4.04 Billion |
|
Brunello Cucinelli S.p.A
OTCGREY:BCUCF
|
$4.04 Billion |
|
St Joe Company
NYSE:JOE
|
$4.04 Billion |
|
First Financial Bankshares Inc
NASDAQ:FFIN
|
$4.04 Billion |
|
Babcock International Group PLC
PINK:BCKIF
|
$4.03 Billion |
|
Yunnan Chuangxin New Material Co Ltd
SHE:002812
|
$4.03 Billion |
|
Konecranes Plc
PINK:KNCRF
|
$4.03 Billion |
|
Laurus Labs Limited
NSE:LAURUSLABS
|
$4.02 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Temenos AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 681,980,000 to 638,974,000, a change of -43,006,000 (-6.3%).
- Net income of 177,179,000 contributed positively to equity growth.
- Dividend payments of 96,938,000 reduced retained earnings.
- Share repurchases of 226,783,000 reduced equity.
- New share issuances of 67,447,000 increased equity.
- Other comprehensive income decreased equity by 116,550,162.
- Other factors increased equity by 152,639,162.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $177.18 Million | +27.73% |
| Dividends Paid | $96.94 Million | -15.17% |
| Share Repurchases | $226.78 Million | -35.49% |
| Share Issuances | $67.45 Million | +10.56% |
| Other Comprehensive Income | $-116.55 Million | -18.24% |
| Other Changes | $152.64 Million | +23.89% |
| Total Change | $- | -6.31% |
Book Value vs Market Value Analysis
This analysis compares Temenos AG'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: 8.62x
- 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 74.62x to 8.62x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $1.01 | $75.63 | x |
| 2003-12-31 | $1.18 | $75.63 | x |
| 2004-12-31 | $1.43 | $75.63 | x |
| 2005-12-31 | $1.74 | $75.63 | x |
| 2006-12-31 | $2.25 | $75.63 | x |
| 2007-12-31 | $2.55 | $75.63 | x |
| 2008-12-31 | $2.95 | $75.63 | x |
| 2009-12-31 | $4.32 | $75.63 | x |
| 2010-12-31 | $6.73 | $75.63 | x |
| 2011-12-31 | $5.02 | $75.63 | x |
| 2012-12-31 | $5.56 | $75.63 | x |
| 2013-12-31 | $5.85 | $75.63 | x |
| 2014-12-31 | $4.92 | $75.63 | x |
| 2015-12-31 | $5.36 | $75.63 | x |
| 2016-12-31 | $5.54 | $75.63 | x |
| 2017-12-31 | $5.20 | $75.63 | x |
| 2018-12-31 | $4.10 | $75.63 | x |
| 2019-12-31 | $6.06 | $75.63 | x |
| 2020-12-31 | $7.15 | $75.63 | x |
| 2021-12-31 | $6.56 | $75.63 | x |
| 2022-12-31 | $7.69 | $75.63 | x |
| 2023-12-31 | $9.39 | $75.63 | x |
| 2024-12-31 | $8.77 | $75.63 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Temenos AG 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): 27.73%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.97%
- • Asset Turnover: 0.46x
- • Equity Multiplier: 3.56x
- Recent ROE (27.73%) is above the historical average (19.49%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | -93.85% | -43.66% | 0.93x | 2.32x | $-54.76 Million |
| 2003 | 16.46% | 7.45% | 0.96x | 2.29x | $4.27 Million |
| 2004 | 18.41% | 10.01% | 0.94x | 1.97x | $7.02 Million |
| 2005 | 18.14% | 10.83% | 0.93x | 1.80x | $8.19 Million |
| 2006 | 25.36% | 15.93% | 0.61x | 2.59x | $20.86 Million |
| 2007 | 36.52% | 19.61% | 0.72x | 2.58x | $46.96 Million |
| 2008 | 31.74% | 15.90% | 0.66x | 3.04x | $44.32 Million |
| 2009 | 22.85% | 18.53% | 0.46x | 2.69x | $38.60 Million |
| 2010 | 12.52% | 13.76% | 0.45x | 2.00x | $12.42 Million |
| 2011 | -8.11% | -5.97% | 0.52x | 2.64x | $-63.07 Million |
| 2012 | 6.48% | 5.58% | 0.50x | 2.33x | $-13.66 Million |
| 2013 | 16.71% | 14.58% | 0.51x | 2.25x | $27.40 Million |
| 2014 | 26.79% | 19.55% | 0.51x | 2.71x | $57.43 Million |
| 2015 | 17.68% | 12.71% | 0.42x | 3.27x | $28.81 Million |
| 2016 | 29.02% | 18.85% | 0.52x | 2.94x | $75.92 Million |
| 2017 | 36.47% | 18.63% | 0.58x | 3.36x | $100.45 Million |
| 2018 | 56.31% | 20.15% | 0.51x | 5.52x | $138.35 Million |
| 2019 | 40.69% | 18.63% | 0.42x | 5.22x | $136.61 Million |
| 2020 | 33.44% | 19.72% | 0.40x | 4.23x | $122.68 Million |
| 2021 | 36.52% | 17.93% | 0.43x | 4.71x | $125.89 Million |
| 2022 | 20.69% | 12.05% | 0.43x | 4.04x | $59.12 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 |
Industry Comparison
This section compares Temenos AG's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $679,817,884
- Average return on equity (ROE) among peers: -17.13%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Temenos AG (TMNSF) | $433.75 Million | -93.85% | 4.18x | $4.04 Billion |
| Abaxx Technologies Inc (ABXXF) | $42.03 Million | -128.66% | 0.23x | $201.28 Million |
| Acceleware Ltd (ACWRF) | $849.93K | -14.47% | 0.09x | $8.62 Million |
| Adobe Systems Incorporated (ADBE) | $1.10 Billion | 24.20% | 0.41x | $103.05 Billion |
| Adcore Inc (ADCOF) | $1.19 Million | -17.83% | 0.01x | $3.03 Million |
| ADEIA CORP (ADEA) | $572.18 Million | 12.20% | 0.08x | $2.45 Billion |
| Automatic Data Processing Inc (ADP) | $5.32 Billion | 25.04% | 3.76x | $84.01 Billion |
| Autodesk Inc (ADSK) | $-256.00 Million | 0.00% | 0.00x | $48.93 Billion |
| Allied Security Innovations Inc (ADSV) | $-2.61 Million | 0.00% | 0.00x | $0.96 |
| AudioEye Inc (AEYE) | $17.60 Million | -71.80% | 0.67x | $49.81 Million |
| Affinity Networks Inc (AFFN) | $-470.19K | 0.00% | 0.00x | $0.93 |