Alkami Technology, Inc.

  • Moat Score
  • Safety Score
  • Market Cap $2.82B
  • PE -76
  • Debt $334.72M
  • Cash $61.66M
  • EV $3.10B
  • FCF $10.61M

Earnings

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Sales & Net Margins

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Earnings-$37.22M
EBIT-$44.38M
ROE-11%
ROA-5%
FCF$10.61M
Equity$334.04M
Growth Stability1
PE-75.86
PB8.45
P/FCF266.17
P/S7.94
Price/Cash0.02
Debt/Equity1
Debt/FCF31.55
Net Margins-8%
Gross Margins59%
Op. Margins-12%
Sales Growth YoY29%
Sales Growth QoQ9%
Sales CAGR31%
Equity CAGR-1%
Earnings Growth YoY-32%
Earnings Growth QoQ2%
Sales CAGR 5Y31%
Equity CAGR 5Y-1%
Earnings CAGR 3Y28%
Sales CAGR 3Y28%
Equity CAGR 3Y1%
Market Cap$2.82B
Revenue$355.56M
Assets$837.16M
Total Debt$334.72M
Cash$61.66M
Shares Outstanding102.43M
EV3.1B
Moat Score6%
Safety Score71%
Working Capital110.96M
Current Ratio2.75
Gross Profit$210.36M
Shares Growth 3y4%
Equity Growth QoQ-6%
Equity Growth YoY3%

Assets & ROA

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Stockholders Equity & ROE

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Alkami Technology Inc is a cloud-based digital banking platform. It provides financial institutions a complete digital banking solution ready to facilitate both retail and business user onboarding, engagement, and account servicing.

SEC Filings

Direct access to Alkami Technology, Inc. (ALKT) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

  • 2025
    • 10-Q Mar 31
  • 2024
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31
  • 2023
    • 10-K Dec 31
    • 10-Q Sep 30
    • 10-Q Jun 30
    • 10-Q Mar 31

Sector Comparison

How does Alkami Technology, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Alkami Technology, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Alkami Technology, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Alkami Technology, Inc..

= $106M
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fcf$11M$11M$11M$11M$11M$11M$11M$11M$11M$11M$11M$106M
DCF$9.6M$8.8M$8M$7.2M$6.6M$6M$5.4M$4.9M$4.5M$4.1M$41M
Value$106M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years12/201912/202012/202112/202212/202312/2024TTM
Net Margins-59%-51%-31%-29%-24%-12%-8%
ROA--14%-10%-12%-16%-9%-5%
ROE-21%-14%-18%-19%-11%-11%

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years12/201912/202012/202112/202212/202312/2024TTM
Debt over FCF--0.63-0.87-2.27-0031.55
Debt over Equity--0.10.080.26001
Growth Stability------1

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years12/201912/202012/202112/202212/202312/2024CAGR 5Y
Revenue YoY growth-52%36%34%30%26%31%
Earnings YoY growth-31%-17%24%7%-35%-
Equity YoY growth-35%-231%-3%-3%10%-1%
FCF YoY growth--6%-25%29%-52%-194%-