AI Spotlight on ALKT
Company Description
Alkami Technology, Inc.offers a cloud-based digital banking platform in the United States.The company's platform allows financial institutions to onboard and engage new users, accelerate revenues, and enhance operational efficiency, with the support of a proprietary, cloud-based, multi-tenant architecture.
It offers an end- to- end set of software products, which include Alkami Platform, Retail Banking Solutions, Business Banking Solutions, and The Alkami Difference.It serves community, regional, credit unions, and retail and business banking.Alkami Technology, Inc.
was founded in 2009 and is headquartered in Plano, Texas.
Market Data
Last Price | 35.24 |
Change Percentage | -2.29% |
Open | 36.51 |
Previous Close | 36.07 |
Market Cap ( Millions) | 3542 |
Volume | 226445 |
Year High | 42.29 |
Year Low | 22.65 |
M A 50 | 37.59 |
M A 200 | 32.31 |
Financial Ratios
FCF Yield | -0.02% |
Dividend Yield | 0.00% |
ROE | -13.98% |
Debt / Equity | 5.53% |
Net Debt / EBIDTA | 188.97% |
Price To Book | 10.35 |
Price Earnings Ratio | -76.34 |
Price To FCF | -6571.46 |
Price To sales | 11.22 |
EV / EBITDA | -105.63 |
News
- 11:20 - Banking-as-a-Service (BaaS) Industry Outlook 2025-2030, Featuring Strategic Profiles of 36 Major Companies - Advapay, Alkami Technology, Bankable, Finastra, Mambu & More
- Jan -29 - Alkami Co:lab 2025 Brings 40+ Speakers from Financial Institutions to be Featured at the Conference
- Jan -23 - Alkami Launches First-to-Market Business Banking Digital Maturity Assessment
- Jan -17 - Alkami: The Data Advantage In Addition To AI
- Jan -16 - Alkami Unveils the Top Five Business Banking Trends Shaping 2025
- Jan -10 - NASA Federal Credit Union Elevates Alkami's Digital Banking Experience with Push Provisioning
- Dec -26 - This Software Stock With 88% Expected Profit Growth Offers Entry
- Dec -04 - Alkami Expands Behavioral Data Tag Capabilities to Drive Personalized Banking Experiences
- Nov -21 - Software Leader Alkami Rebounds From Key Level Into New Buy Range
- Nov -20 - Alkami Unveils New Research on Business Banking Digital Maturity
- Nov -18 - Is the Options Market Predicting a Spike in Alkami Technology (ALKT) Stock?
- Nov -13 - Gate City Bank Launches Alkami's Full Suite of Digital Banking Solutions
- Nov -07 - Kemba Credit Union Launches Alkami's Digital Banking Platform for Retail and Business Members
- Nov -07 - Alkami Announces Pricing of Secondary Offering of Common Stock by Selling Stockholders
- Nov -06 - Alkami Surpasses All Digital Banking Providers To Become #1 in Credit Union Market Share
- Oct -31 - Alkami Technology, Inc. (ALKT) Q3 2024 Earnings Call Transcript
- Oct -30 - Alkami Technology (ALKT) Q3 Earnings and Revenues Beat Estimates
- Oct -30 - Alkami Announces Third Quarter 2024 Financial Results
- Oct -23 - Alkami Helps Banking Leaders Combat Emerging Check and Real-time Payments Fraud
- Oct -17 - Alkami Named "Best Banking App" by Tearsheet
Business Breakdown
Expected Mid-Term Growth
Segment nΒ°1 -> Software-as-a-Service Subscription
Expected Growth : 13.47 %
What the company do ?
Alkami Technology, Inc.'s Software-as-a-Service (SaaS) subscription provides cloud-based digital banking solutions to financial institutions, offering a scalable and secure platform for online and mobile banking services.
Why we expect these perspectives ?
Alkami Technology, Inc.'s 13.47% growth in Software-as-a-Service (SaaS) subscriptions is driven by increasing demand for digital banking solutions, expansion into new markets, and strategic partnerships. The company's cloud-based platform provides scalability and flexibility, attracting more financial institutions. Additionally, the shift towards online banking and mobile payments fuels growth, as Alkami's SaaS model offers a cost-effective and efficient solution for clients.
Segment nΒ°2 -> Implementation
Expected Growth : 14.07 %
What the company do ?
Alkami Technology, Inc.'s implementation provides a cloud-based digital banking platform for credit unions and banks, offering a range of features for online and mobile banking.
Why we expect these perspectives ?
Alkami Technology, Inc.'s 14.07% growth is driven by increasing adoption of its cloud-based digital banking platform, expansion into new markets, and strategic partnerships. The company's focus on innovation, customer experience, and operational efficiency has enabled it to capitalize on the growing demand for digital banking solutions, resulting in accelerated revenue growth.
Segment nΒ°3 -> Other
Expected Growth : 14.07 %
What the company do ?
Alkami Technology, Inc.'s Other segment includes revenue from professional services, data analytics, and other miscellaneous revenue streams.
Why we expect these perspectives ?
Alkami Technology's 14.07% growth is driven by increasing adoption of its cloud-based digital banking platform, expansion into new markets, and strategic partnerships. The company's focus on innovation, customer experience, and operational efficiency has enabled it to capitalize on the growing demand for digital transformation in the financial services industry.
Alkami Technology, Inc. Products
Product Range | What is it ? |
---|---|
Digital Banking Platform | A cloud-based digital banking platform that provides a seamless and personalized banking experience for customers |
Origination Platform | A digital lending platform that streamlines the loan origination process for banks and credit unions |
Account Opening Platform | A digital account opening platform that enables customers to open accounts online or through mobile devices |
Digital Payment Platform | A digital payment platform that enables person-to-person (P2P) payments, bill pay, and account-to-account (A2A) transfers |
Data Analytics and Insights | A data analytics platform that provides insights and data visualization for financial institutions |
Alkami Technology, Inc.'s Porter Forces
Threat Of Substitutes
Alkami Technology, Inc. operates in a niche market, providing digital banking solutions to financial institutions. While there are some substitutes available, they are not as comprehensive or tailored to the specific needs of community banks and credit unions. Therefore, the threat of substitutes is moderate.
Bargaining Power Of Customers
Alkami Technology, Inc.'s customers are primarily community banks and credit unions, which have limited bargaining power due to their smaller size and limited resources. This gives Alkami Technology, Inc. an upper hand in negotiations.
Bargaining Power Of Suppliers
Alkami Technology, Inc. relies on a few key suppliers for its technology and infrastructure. While these suppliers have some bargaining power, Alkami Technology, Inc. has diversified its supply chain to mitigate this risk.
Threat Of New Entrants
The digital banking solutions market is rapidly evolving, and new entrants are emerging with innovative solutions. Alkami Technology, Inc. faces a high threat from new entrants, which could potentially disrupt its market share.
Intensity Of Rivalry
The digital banking solutions market is highly competitive, with several established players vying for market share. Alkami Technology, Inc. faces intense competition from rivals, which could lead to pricing pressures and reduced market share.
Capital Structure
Value | |
---|---|
Debt Weight | 5.59% |
Debt Cost | 5.94% |
Equity Weight | 94.41% |
Equity Cost | 5.94% |
WACC | 5.94% |
Leverage | 5.93% |
Alkami Technology, Inc. : Quality Control
Alkami Technology, Inc. passed 5 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
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