Alkami Technology Inc

Alkami Technology maintains a conservative capital structure with zero debt, resulting in a debt-to-equity ratio of 0.0. The balance sheet shows total assets of $847.2 million against total liabilities of $485.2 million, leaving total equity at $362.0 million. Liquidity is supported by $63.5 million in cash and equivalents, while operating cash flow stands at $42.9 million, indicating positive cash generation despite net losses. The company trades at a price-to-book ratio of 4.93 and an EV/Revenue multiple of 3.64, reflecting market expectations for future growth despite current unprofitability.

Profitability metrics remain negative, with a return on equity of -13.75% and a return on assets of -5.88%. The company reported an operating income of -$53.6 million and a net income of -$47.7 million on revenues of $443.6 million. Gross profit was $256.6 million, suggesting a gross margin of approximately 57.8%, which is typical for software businesses, but operating expenses exceed gross profit, leading to the operating loss. Without cohort median data for direct comparison, the negative returns highlight the company's current investment phase in growth over immediate profitability.

Segment and geographic revenue breakdowns are not provided in the available data, preventing a detailed analysis of revenue concentration or regional exposure. The company's activity is broadly classified within the Software industry, implying a diversified client base within the financial technology sector, but specific segment contributions remain undisclosed.

Growth trajectory analysis is limited by the absence of historical period data in the input. The current revenue figure of $443.6 million serves as the baseline for performance evaluation, but year-over-year trends cannot be calculated from the provided snapshot. The positive operating cash flow of $42.9 million suggests the business model is generating cash, which is a positive indicator for sustainability despite the net loss.

Risk assessment indicates low liquidity risk and low dilution risk, with no immediate filing-based flags detected. The absence of debt eliminates interest rate risk, and the low dilution risk suggests that share count stability is maintained, with basic and diluted shares outstanding both at 106.1 million. The primary risk appears to be operational, centered on the company's ability to convert its gross margins into operating profits.

Recent IR observations show a mean analyst price target of $22.17, with a median of $21.50, indicating a potential upside from the current market price of $16.81. The mean recommendation is 2.00, leaning towards a buy, with six buy ratings and one strong buy, compared to one hold rating. This analyst sentiment suggests confidence in the company's long-term value proposition despite current financial losses.

Alkami Technology, Inc. (ALKT.O) has entered the analysis scope for the first time, establishing a baseline for future monitoring. As this is the initial assessment for the ticker, there is no prior data available to compute material changes or deltas in performance metrics. The most significant activity detected involves a major modification in holder positions for investor ID 587. Data indicates a substantial shift in share ownership, with holdings fluctuating between 39 shares and 19,759 shares as of March 31, 2026. These changes were detected on June 20 and June 21, 2026, reflecting a notable adjustment in the investor's stake. This volatility in a single holder's position highlights the dynamic nature of the company's shareholder base. The investor's weight in the portfolio shifted from a negligible 0.00000035% to 0.000179%, corresponding to a value change from approximately $0.0006 million to $0.31 million. Such movements underscore the importance of tracking individual holder adjustments for this entity. Currently, Alkami Technology is tracked by 26 top holders, though it has no recorded analyst coverage, officer count, or index membership in the available data. With no cross-source signals or sagas reported, the focus remains on these foundational holder metrics as the primary indicators of interest for this new ticker entry.

Analysts project 55.8% upside to a mean price target of $21.88, reflecting significant market optimism for future performance.

The company maintains a low dilution risk profile, suggesting current capital structure stability for existing shareholders.

The company faces high credit risk, posing a significant threat to financial stability and potential future losses.

Return on equity of -3.76% ranks in the bottom quartile among 833 cohort peers, indicating poor capital efficiency.

Revenue $126.1M, +28,9% YoY; Operating income +62,9% YoY.

• ▍Revenue $126.1M, +28,9% YoY
• ▍Operating income +62,9% YoY
• ▍Net income −27,5% YoY
• ▍Free cash flow +29,7% YoY
• ▍Net margin -7.9%

Revenue $120.8M, +34,7% YoY; Operating income −10,1% YoY.

• ▍Revenue $120.8M, +34,7% YoY
• ▍Operating income −10,1% YoY
• ▍Net income −49,7% YoY
• ▍Free cash flow +13,7% YoY
• ▍Net margin -9.5%

Revenue $113.0M, +31,5% YoY; Operating income −23,5% YoY.

• ▍Revenue $113.0M, +31,5% YoY
• ▍Operating income −23,5% YoY
• ▍Net income −56,8% YoY
• ▍Free cash flow −0,9% YoY
• ▍Net margin -13.1%

Revenue $112.1M, +36,4% YoY; Operating income −20,1% YoY.

• ▍Revenue $112.1M, +36,4% YoY
• ▍Operating income −20,1% YoY
• ▍Net income −10,3% YoY
• ▍Free cash flow +31,9% YoY
• ▍Net margin -12.1%

Revenue $97.8M; Operating income -$15.4M.

• ▍Revenue $97.8M
• ▍Operating income -$15.4M
• ▍Net margin -8.0%

Revenue $89.7M; Operating income -$8.6M.

• ▍Revenue $89.7M
• ▍Operating income -$8.6M
• ▍Net margin -8.5%

Revenue $85.9M; Operating income -$10.4M.

• ▍Revenue $85.9M
• ▍Operating income -$10.4M
• ▍Net margin -11.0%

Revenue $82.2M; Operating income -$13.2M.

• ▍Revenue $82.2M
• ▍Operating income -$13.2M
• ▍Net margin -15.0%

Revenue $443.6M, +32,9% YoY; Operating income −20,2% YoY.

• ▍Revenue $443.6M, +32,9% YoY
• ▍Operating income −20,2% YoY
• ▍Net income −16,7% YoY
• ▍Free cash flow +22,8% YoY
• ▍Net margin -10.7%

Revenue $333.8M, +26,1% YoY; Operating income +30,4% YoY.

• ▍Revenue $333.8M, +26,1% YoY
• ▍Operating income +30,4% YoY
• ▍Net income +35,1% YoY
• ▍Free cash flow +34,9% YoY
• ▍Net margin -12.2%

Revenue $264.8M, +29,6% YoY; Operating income −11,1% YoY.

• ▍Revenue $264.8M, +29,6% YoY
• ▍Operating income −11,1% YoY
• ▍Net income −7,4% YoY
• ▍Free cash flow −6,7% YoY
• ▍Net margin -23.8%

Revenue $204.3M, +34,2% YoY; Operating income −34,4% YoY.

• ▍Revenue $204.3M, +34,2% YoY
• ▍Operating income −34,4% YoY
• ▍Net income −25,1% YoY
• ▍Free cash flow −16,0% YoY
• ▍Net margin -28.7%