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Home CompaniesAlkami Technology Inc

Alkami Technology Inc

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
14.06 USD -0.10 ( 0.71%)
Last update at 2026-11-11T21:28:00Z
VOLUME
694802
Market Cap
1899.55M

Momentum Score

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Alkami Technology, Inc. provides a cloud-based digital sales and service platform for financial institutions in the United States. The company offers the Alkami digital sales & service platform, which includes the Alkami digital banking platform, onboarding & account opening, and data & marketing modules. Its solutions enable financial institutions to onboard and engage new users, accelerate revenues, and enhance operational efficiency, with the support of proprietary, cloud-based, and multi-tenant architecture. It serves community, regional, super-regional credit unions, and banks. The company was founded in 2009 and is based in Plano, Texas.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
13.87
Low
14.20
High
52 Week Price Range
14.11
Low
31.66
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Alkami Technology operates a cloud-native SaaS digital-banking platform that delivers online and mobile banking, payments, account opening and analytics to community and regional banks and credit unions. Long-term growth drivers include continued financial-institution digitalization, cross-selling of modular services and expansion into larger customers, which could support recurring revenue and higher per-customer monetization as adoption increases.
Principal risks include intense competition from large core processors and fintechs, operational and integration execution challenges as the business scales, cybersecurity and regulatory-compliance exposure, and dependence on customer retention and contract expansion; investors should monitor these factors.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
14.16
Dividend Yield
-
Revenue TTM
443.64M
Revenue Per Share
4.27
Gross Profit TTM
256.60M
Debt / Equity
0.98
ROE
-13.25%
Net Debt
290.09M
ROCE
-6.53%
Diluted EPS TTM
-0.46

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax -58.96M -40.53M -62.87M -59.06M -46.65M
Net income -47.65M -40.84M -62.91M -58.60M -46.82M
Selling general administrative 100.89M 83.65M 72.90M 71.25M 53.38M
Selling and marketing expenses 80.14M 59.77M 48.56M 36.81M 24.54M
Gross profit 256.60M 196.63M 144.11M 108.32M 83.81M
Reconciled depreciation 26.91M 10.51M 10.40M 8.07M 3.44M
Ebit -49.48M -40.07M -55.48M -70.22M -42.92M
Ebitda -22.56M -29.56M -44.85M -59.45M -38.99M
Depreciation and amortization 26.91M 10.51M 10.63M 10.77M 3.93M
Non operating income net other - - - 2.50M -2.55M
Operating income -53.64M -44.63M -63.70M -70.22M -42.92M
Other operating expenses 497.27M 378.48M 328.54M 274.49M 195.07M
Interest expense 9.49M 0.46M 7.38M 3.87M 1.19M
Tax provision -11.31M 0.31M -0.22M -0.46M 0.17M
Interest income 4.16M 4.56M 7.13M 2.70M 0.49M
Net interest income -5.33M 4.10M 0.09M -1.17M -0.70M
Non recurring - - - -12.53M -
Income tax expense -11.31M 0.31M 0.04M -0.46M 0.17M
Total revenue 443.64M 333.85M 264.83M 204.27M 152.16M
Total operating expenses 310.24M 241.26M 207.82M 178.54M 126.72M
Cost of revenue 187.04M 137.22M 120.72M 95.95M 68.35M
Total other income expense net -5.33M 4.10M 0.84M 11.16M -3.73M
Net income from continuing ops -47.65M -40.84M -55.11M -58.60M -46.82M
Net income applicable to common shares - - - -58.60M -47.10M
Preferred stock and other adjustments - - - - 0.28M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 847.23M 437.28M 414.35M 488.88M 436.51M
Intangible assets 158.94M 29.02M 35.81M 42.59M 11.16M
Other current assets 36.63M 26.90M 10.63M 11.71M 9.49M
Total liab 485.18M 80.25M 89.41M 154.84M 91.90M
Total stockholder equity 362.05M 357.03M 324.94M 334.05M 344.61M
Deferred long term liab - - - 1.71M 17.99M
Other current liab 47.36M 23.89M 19.76M 21.64M 19.79M
Common stock 0.11M 0.10M 0.10M 0.09M 0.09M
Capital stock 0.11M 0.10M 0.10M 0.09M 0.09M
Retained earnings -523.85M -476.20M -435.37M -372.45M -313.85M
Other liab - - - 16.02M 35.65M
Good will 403.40M 148.05M 148.05M 148.02M 48.09M
Other assets - - 0.00M 27.88M 20.27M
Cash 63.46M 94.36M 40.93M 108.72M 308.58M
Total current liabilities 89.55M 45.57M 39.43M 41.61M 33.20M
Current deferred revenue 34.77M 13.58M 10.98M 8.84M 8.20M
Net debt 290.09M -75.91M -21.67M -4.67M -283.96M
Short term debt 1.58M 1.34M 1.21M 6.84M 1.56M
Short long term debt - - - 3.19M 1.56M
Short long term debt total 353.55M 18.45M 19.26M 104.05M 24.62M
Other stockholder equity 885.80M 833.13M 760.21M 706.41M 658.37M
Property plant equipment - - - 13.56M 11.83M
Total current assets 187.22M 181.38M 138.26M 242.16M 345.16M
Net tangible assets - - - 143.44M 285.36M
Short term investments 35.63M 21.38M 51.20M 87.64M -
Net receivables 51.49M 38.74M 35.50M 26.25M 20.82M
Long term debt 351.23M - - 81.39M 23.05M
Inventory - - - 7.86M 6.27M
Accounts payable 5.84M 6.13M 7.48M 4.29M 3.65M
Accumulated other comprehensive income - - 0.00M - -436.51M
Common stock total equity - - - 0.09M 0.09M
Retained earnings total equity - - - -372.45M -313.85M
Non currrent assets other 57.55M 42.19M 45.01M 26.17M 20.27M
Deferred long term asset charges - - - - 17.99M
Non current assets total 660.01M 255.90M 276.10M 246.72M 91.35M
Capital lease obligations 17.32M 18.45M 19.26M 19.47M -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -13.41M 23.04M 7.13M -87.47M -22.02M
Change to liabilities - - - -1.37M 7.87M
Total cashflows from investing activities -397.59M 23.04M 33.91M -224.01M -22.02M
Net borrowings 350.51M 0.00M -85.00M 59.54M -0.31M
Total cash from financing activities 323.79M 11.79M -87.82M 61.18M 192.27M
Change to operating activities - - - -11.59M -4.88M
Net income -47.65M -40.84M -62.91M -58.60M -46.82M
Change in cash -30.90M 53.43M -71.41M -200.62M 141.29M
Begin period cash flow 94.36M 40.93M 112.34M 312.95M 171.66M
End period cash flow 63.46M 94.36M 40.93M 112.34M 312.95M
Total cash from operating activities 42.91M 18.60M -17.50M -37.79M -28.96M
Issuance of capital stock - - 0.00M 0.00M 192.81M
Depreciation 26.91M 10.51M 10.63M 8.07M 3.44M
Other cashflows from investing activities -7.15M -6.66M -5.23M -135.48M -20.90M
Dividends paid - - 0.00M 0.00M 4.97M
Change to inventory - - - - -6.83M
Change to account receivables -11.28M -3.24M -9.25M -4.01M -6.28M
Sale purchase of stock - - -15.98M 5.30M -3.50M
Other cashflows from financing activities -33.88M -13.18M -19.93M 85.87M 7.93M
Change to netincome - - - 29.41M 17.66M
Capital expenditures 1.54M 1.20M 6.29M 4.70M 1.12M
Change receivables - - - -4.01M -6.28M
Cash flows other operating - - - -11.43M -3.83M
Cash and cash equivalents changes - - - -200.62M 141.29M
Change in working capital -3.50M -9.76M -12.83M -16.45M 0.54M
Stock based compensation 76.19M 59.44M 51.23M 45.40M 14.54M
Other non cash items 2.75M -0.86M -3.59M -15.52M -0.74M
Free cash flow 41.36M 17.40M -23.79M -42.49M -30.08M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
ALKT
Alkami Technology Inc		 -0.10
0.71%		 14.06 - - 4.28 5.24 4.89 -50.66
SAP
SAP SE ADR		 0.36
0.15%		 234.10 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 4.02
1.88%		 217.50 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 -0.33
0.14%		 234.00 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 2.65
1.81%		 149.26 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

Alkami Technology Inc

Alkami Technology, Inc. provides a cloud-based digital sales and service platform for financial institutions in the United States. The company offers the Alkami digital sales & service platform, which includes the Alkami digital banking platform, onboarding & account opening, and data & marketing modules. Its solutions enable financial institutions to onboard and engage new users, accelerate revenues, and enhance operational efficiency, with the support of proprietary, cloud-based, and multi-tenant architecture. It serves community, regional, super-regional credit unions, and banks. The company was founded in 2009 and is based in Plano, Texas.

5601 Granite Parkway, Plano, TX, United States, 75204

877 725 5264

https://www.alkami.com

1225

Name Title Year Born
Mr. Alex P. Shootman CEO & Director 1965
Mr. Stephen Bohanon Co-Founder, Chief Strategy & Product Officer 1976
Mr. Gary L. Nelson Founder & Independent Director 1957
Mr. W. Bryan Hill CFO & Treasurer 1967
Kristy Ramundi Chief Accounting Officer NA
Steve Calk Head of Investor Relations NA
Mr. Douglas A. Linebarger Chief Legal Officer & Sec. 1971
Mr. Jeff Johnson Director of Bus. Devel. NA
Ms. Allison Cerra Chief Marketing Officer NA
Ms. Julie Kaye Hoagland Chief HR Officer 1968

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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