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Financial distress

Alkami Technology

NSQ:ALKT · US01644J1088
SoftwareMedium

360

27
EV / EBIT23
Price / Owner Earnings97
Owner Earnings Yield1
Dividend Yield1
Price/Sales43
EV / Gross Profit25
Price/Book43
Return on Capital19
Cash Return on Capital21
Return on Equity19
EBIT Margin14
Gross Profitability44
Accruals81
Owner Earnings Margin16
Sales growth80
Profit growth37
Reinvestment37
Price momentum20
Debt load33
Refinancing77
Debt Payback1
Liquidity22
Analyst ratings59
Opinion Changes50
Price Target Upside47
Market mood48
Value Creation4/20not creating value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Alkami Technology doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Profile

CountryUSA
IndustrySoftware
SizeMedium
TypePublic Company
ExchangeNASDAQGS
Founded2011
Employees960
Websitealkami.com
ISINUS01644J1088
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
FintechCloud InfrastructureOnline PaymentsProcess AutomationData IntegrationSoftware DevelopmentRegTechBankingCreditFinanceFinancial ServicesFinTechSaaSSoftware

Description

Alkami Technology, Inc. operates as a cloud-based digital banking solutions provider. The company inspires and empowers community, regional, and super-regional financial institutions (FIs) to compete with large, technologically advanced, and well-re…

Analysis

Middle-of-the-road

Alkami Technology, Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

Valuation data is not available for this company.

The trajectory is moderate and the balance sheet is stretched. The company scores 4/20 on our value-creation score: not creating value.

What to watch: A large part of the company's book value is the price paid for past acquisitions. Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
16
2023202420252026

All-time high

47

Jan 2025

All-time low

16

Jun 2026

Average rank

32

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
43
20
27
45
Price/Earnings
36
24
3
43
Price/Book
43
25
45
72
Dividend Yield
1
1
1
1
Value (overall)
26
21
18
57

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →