Alkami Technology, Inc. ALKT R2K
Technology · Software - Application · United States
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.
READ MORE ›$18.17
-36.56% 1Y
Market & Price
Market Cap
$1.94B
Current Price
$18.17
High / Low (52W)
$30.81 / $15.25
Beta
0.54
Valuation
Stock P/E
-
Industry PE
32.74
Forward P/E
16.00
PEG Ratio
-
Book Value
$3.46
Price to Book
5.25
P/S
4.12
EV/EBITDA
-73.04
Dividend Yield
-
Profitability & Returns
ROCE
-6.53%
ROE
-14.13%
ROA
-3.19%
Profit Margin
-10.55%
Op Margin
-4.21%
EPS (Latest Qtr)
$-0.09
EPS (TTM)
$-0.47
Balance Sheet & Liquidity
Debt/Equity
0.97
Quick Ratio
1.75
Current Ratio
2.30
Debt
$358.21M
Total Assets
$847.23M
Current Assets
$187.22M
Working Capital
$97.67M
Ownership
Promoter Holding
23.76%
Chg in Prom Hold
0.02%
FII / Inst Holding
98.40%
Chg in FII Hold
0.01%
Financial Snapshot
Enterprise Value
$2.23B
Total Revenue (TTM)
$471.94M
EBITDA
$-30.46M
Free Cash Flow
$65.51M
Operating Cash Flow
$43.77M
Shares Outstanding
107.02M
Gross Margin
57.78%
Payout Ratio
0.00%
Growth (CAGR)
Revenue 5Y
29.50%
Profit 5Y
6.23%
Revenue (YoY)
28.90%
Earnings (YoY)
-
PROS
- Compounding revenue at 29.5% over 5 years.
- Generates positive free cash flow.
CONS
- Trading 41.0% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ALKT Alkami Technology, Inc. R2K | 18.17 | - | $1.94B | - | -6.53% | -14.13% | 29.50% | 6.23% |
| 2 | NVDA NVIDIA Corporation NDXSPXAI | 211.14 | 32.38 | $5.11T | 0.47% | 81.14% | 114.29% | 100.05% | 201.80% |
| 3 | AAPL Apple Inc. NDXSPX | 312.06 | 37.73 | $4.58T | 0.35% | 68.72% | 141.47% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXAI | 450.24 | 26.82 | $3.34T | 0.81% | 26.37% | 34.01% | 12.42% | 11.87% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AI | 418.45 | 35.86 | $2.17T | 0.91% | 32.04% | 36.21% | 18.94% | 19.57% |
| 6 | MU Micron Technology, Inc. NDXSPXAI | 971.00 | 45.87 | $1.10T | 0.06% | 14.20% | 39.82% | 6.71% | -0.57% |
| 7 | AMD Advanced Micro Devices, Inc. NDXSPXAI | 516.10 | 172.61 | $841.55B | - | 6.33% | 8.06% | 13.64% | 48.64% |
| 8 | ORCL Oracle Corporation SPXAI | 225.78 | 40.46 | $649.35B | 0.89% | 13.07% | 57.57% | 10.59% | 22.81% |
| 9 | ASML ASML Holding N.V. NDXAI | 1,612.76 | 53.76 | $621.59B | 0.54% | 43.81% | 52.24% | 15.55% | 19.55% |
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Quarterly Results
Figures in USD.
| Metric | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 23.21M | 26.67M | 28.94M | 33.26M | 36.70M | 39.76M | 44.79M | 50.53M | 53.41M | 60.00M | 65.76M | 67.70M | 76.13M | 82.16M | 85.91M | - | 97.83M | 112.06M | 112.95M | 120.79M | 126.14M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 40.08M | 46.44M | 48.81M | 51.71M | 52.27M |
| Gross Profit | 11.31M | 13.43M | 15.16M | 17.77M | 20.52M | 22.37M | 24.81M | 27.27M | 27.57M | 32.14M | 35.47M | 36.55M | 44.03M | 48.77M | 50.62M | - | 57.76M | 65.62M | 64.14M | 69.08M | 73.87M |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 73.16M | 80.97M | 76.78M | 78.25M | 79.57M |
| Operating Income | -10.18M | -7.11M | -6.59M | -8.94M | -9.81M | -11.14M | -13.01M | -19.38M | -19.82M | -16.95M | -17.87M | -15.79M | -12.37M | -13.21M | -10.43M | - | -15.40M | -15.35M | -12.63M | -9.17M | -5.71M |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -10.87M | -6.94M | -3.99M | -765.00K | 3.18M |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 801.00K | 3.19M | 2.98M | 2.52M | 2.27M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -15.10M | -17.89M | -14.83M | -11.14M | -7.21M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -7.29M | -4.30M | -29.00K | 300.00K | 2.75M |
| Net Income | -10.26M | -7.27M | -21.35M | -10.88M | -11.38M | -11.22M | -13.41M | -20.23M | -20.05M | -16.96M | -17.76M | -15.48M | -11.43M | -12.32M | -9.44M | - | -7.82M | -13.59M | -14.80M | -11.44M | -9.96M |
| Diluted EPS | -2.31 | -1.63 | -5.34 | -2.00 | -0.15 | -0.13 | -0.15 | -0.22 | -0.22 | -0.18 | -0.19 | -0.16 | -0.12 | -0.13 | -0.09 | - | -0.08 | -0.13 | -0.14 | -0.11 | -0.09 |
| R&D Expense | 9.69M | 9.78M | 9.90M | 10.91M | 12.11M | 12.88M | 14.16M | 16.59M | 18.22M | 20.55M | 20.87M | 21.75M | 22.82M | 23.91M | 24.13M | - | 26.89M | 30.23M | 30.09M | - | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 73.54M | 112.14M | - | 204.27M | 264.83M | 333.85M | 443.64M |
| Cost of Revenue | - | - | - | 95.95M | 120.72M | 137.22M | 187.04M |
| Gross Profit | 30.43M | 59.16M | - | 108.32M | 144.11M | 196.63M | 256.60M |
| Operating Expenses | - | - | - | 178.54M | 207.55M | 241.06M | 305.12M |
| Operating Income | -42.53M | -35.10M | - | -70.22M | -63.44M | -44.43M | -48.52M |
| EBITDA | - | - | - | -47.14M | -44.85M | -29.56M | -22.56M |
| Interest Expense | - | - | - | 3.85M | 7.38M | 461.00K | 9.49M |
| Pretax Income | - | - | - | -59.06M | -62.87M | -40.53M | -58.96M |
| Tax Provision | - | - | - | -461.00K | 44.00K | 308.00K | -11.31M |
| Net Income | -41.87M | -51.35M | - | -58.60M | -62.91M | -40.84M | -47.65M |
| Diluted EPS | -9.91 | -11.78 | - | -0.64 | -0.67 | -0.41 | -0.46 |
| R&D Expense | 32.72M | 40.21M | 48.80M | 69.33M | 84.66M | 96.21M | 118.40M |
Compounded Sales Growth
| 5 Years: | 29.50% |
| 1 Year: | 28.90% |
Compounded Profit Growth
| 5 Years: | 6.23% |
| 1 Year: | - |
Stock Price Performance
| 1 Year: | -36.56% |
| 6 Months: | -15.72% |
| 3 Months: | +9.82% |
| 1 Month: | +10.66% |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 249.17M | - | 488.88M | 399.82M | 437.28M | 847.23M |
| Current Assets | - | - | - | - | 242.16M | 148.59M | 181.38M | 187.22M |
| Cash & Equivalents | - | - | 166.79M | - | 108.72M | 40.93M | 94.36M | 63.46M |
| Inventory | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | 21.66M | 30.11M | 32.87M | 44.14M |
| Total Liabilities | - | - | 69.43M | - | 154.84M | 74.88M | 80.25M | 485.18M |
| Current Liabilities | - | - | 20.48M | - | 41.61M | 39.43M | 45.57M | 89.55M |
| Long Term Debt | - | - | 24.57M | 23.05M | 81.39M | - | - | 351.23M |
| Total Debt | - | - | - | - | 104.05M | 19.26M | 18.45M | 368.55M |
| Total Equity | -153.86M | -195.39M | -263.52M | - | 334.05M | 324.94M | 357.03M | 362.05M |
| Shares Outstanding | - | - | - | - | 92.11M | 96.72M | 102.09M | 106.10M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -39.09M | -38.15M | - | -38.05M | -17.50M | 18.60M | 42.91M |
| Investing Cash Flow | -3.69M | -27.22M | - | -223.75M | 33.91M | 23.04M | -397.59M |
| Financing Cash Flow | 30.19M | 225.05M | - | 61.18M | -87.82M | 11.79M | 323.79M |
| Capital Expenditure | -3.69M | -2.15M | - | -4.45M | -6.29M | -7.86M | -8.69M |
| Free Cash Flow | -42.77M | -40.29M | - | -42.49M | -23.79M | 10.74M | 34.22M |
| Net Change in Cash | - | - | - | -200.62M | -71.41M | 53.43M | -30.90M |
| Share Buybacks | 0 | 3.21M | 3.50M | 0 | 0 | - | - |
| Dividends Paid | 0 | 0 | 4.97M | 0 | 0 | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|
| Gross Margin % | 41.4% | 52.8% | - | 53.0% | 54.4% | 58.9% | 57.8% |
| Operating Margin % | -57.8% | -31.3% | - | -34.4% | -24.0% | -13.3% | -10.9% |
| Net Margin % | -56.9% | -45.8% | - | -28.7% | -23.8% | -12.2% | -10.7% |
| ROE % | 21.4% | 19.5% | - | -17.5% | -19.4% | -11.4% | -13.2% |
| ROCE % | - | -15.4% | - | -15.7% | -17.6% | -11.3% | -6.4% |
Shareholding Pattern
Insiders
23.76%
Institutions
98.40%
Public Float
129.08%
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | General Atlantic, L.P. | 14.33% | 15.34M | $278.68M |
| 2 | North Reef Capital Management LP | 7.15% | 7.65M | $139.00M |
| 3 | Blackrock Inc. | 5.50% | 5.89M | $106.93M |
| 4 | Jana Partners Management, Lp | 5.08% | 5.43M | $98.69M |
| 5 | Vanguard Portfolio Management LLC | 4.38% | 4.68M | $85.08M |
| 6 | Janus Henderson Group PLC | 3.60% | 3.86M | $70.05M |
| 7 | UBS Group AG | 3.46% | 3.70M | $67.31M |
| 8 | Vanguard Capital Management LLC | 2.99% | 3.20M | $58.17M |
| 9 | Algebris (UK) LTD | 2.92% | 3.13M | $56.82M |
| 10 | Irenic Capital Management LP | 2.50% | 2.68M | $48.61M |
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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