)
Visual
earnings real time
Temenos
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
Q3 2025 delivered strong results with double-digit growth in revenue, ARR, subscription/SaaS, maintenance, EBIT, and EPS, supported by stable sales environment and no impact from US 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.
Continued targeted investments in AI, R&D, and sales, with sales headcount on track for a 50% increase by year-end.
Sale of Multifonds completed in Q2-25; all proforma figures exclude Multifonds.
Financial highlights
Q3 2025 total revenue grew 12% year-over-year (proforma, non-IFRS, constant currency); subscription and SaaS revenue up 11%, maintenance up 15%, and services revenue up for the second consecutive quarter.
Non-IFRS EBIT increased 36% to $84.6m; non-IFRS EPS up 41% to $0.93; IFRS EBIT $60.1m, up 30%; IFRS EPS $0.65, up 51%.
Free cash flow grew 30% in Q3 and 13% year-to-date; $61 million operating cash generated, $148 million in share buybacks completed.
ARR reached $811m, up 12% year-over-year, now 88% of LTM product revenue.
EBIT margin improved to 32.7% non-IFRS; EBITDA margin rose to 40.0%.
Outlook and guidance
FY-25 guidance raised: subscription/SaaS 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.
U.S. market contribution acceleration in 2026?
When will AI products materially impact revenue?
Explain maintenance growth normalization to 5-6%.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- BG
Adjusted EPS was $7.57, with strong segment EBIT and stable 2026 guidance. - ATS
Q3 revenue rose 17% to $760.7M, with strong backlog and Q4 revenue guided at $710–$750M. - SWK
Gross margin and net income rose, with CAM divestiture set to reduce debt and boost 2026 outlook. - PMI
FDA-approved artificial heart maker registers 17M shares for resale amid ongoing losses and risks. - ARCC
FY 2025 net income was $1,299M, with a $0.48/share Q1 2026 dividend declared. - SDST
Development-stage lithium refiner registers shares for resale amid high risk and capital needs. - DAC
Q2 2025 saw revenue growth, high charter coverage, and strong liquidity despite rising costs. - OCSL
Net investment income was $36.7M ($0.42/share) as NAV fell to $16.30 and a $0.40 dividend was declared. - NUWE
Registering 4.28M shares for resale, proceeds from warrant exercises support working capital. - WBD
Board selects Netflix merger for streaming and studios, with Discovery Global to be spun off.
Next Temenos earnings date
Q4 202524 Feb, 2026
Temenos
Next Temenos earnings date
Q4 202524 Feb, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage