-2.29%
-3.91%
-3.73%
7.68%
43.16%
129.76%
-18.03%

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

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

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.

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.

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.

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.

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%

Historical Valuation

Price/Earnings Ratio

Margin Valuation

Peers Valuation

Competitors

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ALRM Alarm.com Holdings, Inc. provides cloud-based solutions for smart residential and commercial properties in the United States and internationally. It operates in two segments, Alarm.com and Other. The company provides interactive …

Peers Metrics

DCF BETA

Parameters

Short Term Growth
Short term Time
Long-Term Growth
WACC
Target Price
35.24$
Current Price
35.24$
Potential
-0.00%

Expected Cash-Flows

Scoring Insights

Peers Group Analysis

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