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Temenos (TEMN) investor relations material
Temenos Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary28 Oct, 2025
Executive summary
Delivered strong Q3 2025 results with double-digit growth in revenue, ARR, subscription/SaaS, maintenance, EBIT, and EPS, supported by stable sales environment and no impact from U.S. bank credit concerns; all figures exclude Multifonds.
Signed multiple new and expanded client deals, especially in the Middle East, ASEAN, and LATAM, with a major U.S. SaaS expansion.
Launched AI-powered products, including the Money Movement & Management platform, gaining traction with tier one banks and ongoing co-development with clients.
Continued execution of strategic roadmap with significant investments in AI, R&D, and a 50% increase in sales headcount by year-end.
Sale of Multifonds completed in Q2-25; all proforma figures exclude Multifonds.
Financial highlights
Q3 2025 total revenue grew up to 12% year-over-year (proforma, non-IFRS, constant currency); subscription and SaaS revenue up 11%, maintenance up 15%, and services revenue grew for the second consecutive quarter.
Non-IFRS EBIT increased 36% to $84.6m; non-IFRS EPS rose 41% to $0.93; IFRS revenue was $258.5m, up 5%, and IFRS EPS was $0.65, up 51%.
Net profit up 35% in Q3; ARR reached $811m, up 12% year-over-year, now 88% of LTM product revenue.
Free cash flow grew 30% in Q3 and 13% year-to-date; $61 million operating cash generated, $148 million in share buybacks completed.
EBIT margin (non-IFRS) improved to 32.7% from 26.9% year-over-year; EBITDA margin rose to 40.0% from 36.1%.
Outlook and guidance
FY-25 guidance raised: subscription and SaaS revenue growth at least 7%, EBIT growth at least 14%, EPS growth 15-17%, and free cash flow growth at least 12%.
FY-28 targets reconfirmed: ARR at least $1.2bn, EBIT ~$400m-$450m, free cash flow ~$400m-$450m, with implied CAGRs of 13%, 10%, and 16%.
Maintenance expected to grow 11% for the full year; ARR and free cash flow guidance maintained at at least 12% growth.
FY-25 tax rate expected at 15-17% due to a one-off $15m tax benefit; normalized rate 19-21%.
Guidance is non-IFRS in constant currency, except for EPS and free cash flow, which are reported.
Detail cost efficiency program savings
What are the key assumptions for FY28 targets?
What's the risk profile of Q4 large deals?
U.S. market contribution acceleration in 2026?
When will AI products materially impact revenue?
Explain maintenance growth normalization to 5-6%.
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Frequently asked questions
Temenos AG develops banking software for financial institutions including core banking, payments, and digital banking solutions. The company provides platforms for retail, corporate, and private banks to manage operations and customer interactions. Its products support cloud deployment and open banking standards. The company is headquartered in Geneva, Switzerland, and its shares are listed on the SIX.
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