ALKT

Alkami Technology, Inc.

Fundamental data last updated:September 7, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Technology

industry

Software - Application

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


Analyze ALKT on TradingView

VALUATION

P/E

-37.58

Market Cap ($M USD)

$1.88B

Forward P/E

12.65

PEG

0.03

PRICE TO SALES

3.99

PRICE TO BOOK

5.05

EV / EBITDA

-256.77

5-Year Average P/E

Free Cash Flow Yield

2.35%

DCF Value

$46.55

Graham Number

N/A

Price to FCF

42.57

EV to FCF

49.75

Earnings Yield

-2.66%

FCF Yield

2.35%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

-$0.47

Next Year EPS Growth Estimate

$1.39

Next Year Revenue Growth Estimate

$718.89M

Return on Equity (ROE)

-13.96%

FREE CASH FLOW

Operating Margin

-9.31%

Debt-to-Equity

0.98

Piotroski F-Score

3

Altman Z-Score

2.11

Return on Invested Capital (ROIC)

-5.82%

Current Ratio

2.30

Quick Ratio

2.30

Net Debt to EBITDA

-37.09

Interest Coverage

-4.01

Gross Profit margin

57.42%

FCF PER SHARE

$0.42

REVENUE PER SHARE

$4.44

Analyze ALKT on TradingView

Gainseekers Quantitative Analysis

Summary

Alkami Technology, Inc. presents a fascinating valuation conundrum. Despite a DCF value significantly higher than recent pricing, the market seems skeptical, likely due to its negative earnings yield and precarious Altman Z-score of 2.16, which suggests moderate financial distress. The Forward P/E of 12.93 indicates optimism for future profitability, yet the current Price/Earnings ratio is deeply negative, reflecting past struggles. This disparity between potential and performance creates a volatile investment landscape, with the market perhaps underestimating its long-term value.

AI Exposure / Tech Reliance

Positioned within the Software - Application industry, Alkami is inherently aligned with the digital transformation wave. Its adaptability to AI and tech advancements is crucial, given the sector's rapid evolution. The company's ability to integrate cutting-edge technology will determine its resilience and future growth trajectory.

The Bull Case

For the discerning GARP investor, Alkami offers compelling reasons to buy. The Forward PEG ratio of 0.03 suggests significant undervaluation relative to growth expectations. Despite a low Piotroski F-Score of 3, the company's robust FCF yield and a decent gross profit margin of 57.42% highlight its potential for capital efficiency and pricing power. These metrics indicate a company poised to capitalize on its operational strengths.

The Bear Case

However, Alkami is not without its pitfalls. The negative ROIC of -5.82% and an operating margin of -9.31% underscore inefficiencies that could hinder profitability. Its Price/Book ratio of 5.16 and Price/Sales of 4.07 suggest the stock is priced for perfection, leaving little room for error. Additionally, the stock's proximity to its 52-week high raises concerns about technical overextension, making it a risky bet for cautious investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$22.00

Institutional Ownership %

1-Year Beta

0.54

Insider Buying % (6 Mo)

Distance to 52-Week High

77.26%

Distance to 52-Week Low

19.78%

EARNINGS SURPRISE %

-80.95%

50-DAY SMA

$16.65

200-DAY SMA

$20.35

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.