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Upturn AI SWOT - About
Alkami Technology Inc (ALKT)
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Upturn Advisory Summary
04/01/2025: ALKT (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 1.48% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.70B USD | Price to earnings Ratio - | 1Y Target Price 42.5 |
Price to earnings Ratio - | 1Y Target Price 42.5 | ||
Volume (30-day avg) 1606455 | Beta 0.49 | 52 Weeks Range 22.86 - 42.29 | Updated Date 04/1/2025 |
52 Weeks Range 22.86 - 42.29 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.41 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -12.23% | Operating Margin (TTM) -9.62% |
Management Effectiveness
Return on Assets (TTM) -6.64% | Return on Equity (TTM) -11.98% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2587354531 | Price to Sales(TTM) 8.08 |
Enterprise Value 2587354531 | Price to Sales(TTM) 8.08 | ||
Enterprise Value to Revenue 7.75 | Enterprise Value to EBITDA -50.66 | Shares Outstanding 102233000 | Shares Floating 71888146 |
Shares Outstanding 102233000 | Shares Floating 71888146 | ||
Percent Insiders 24.55 | Percent Institutions 71.75 |
Analyst Ratings
Rating 4.18 | Target Price 44.6 | Buy 3 | Strong Buy 5 |
Buy 3 | Strong Buy 5 | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Alkami Technology Inc
Company Overview
History and Background
Alkami Technology, Inc. was founded in 2009 and is headquartered in Plano, Texas. It provides cloud-based digital banking solutions for financial institutions. The company went public in April 2021.
Core Business Areas
- Digital Banking Platform: Alkami provides a comprehensive digital banking platform that includes solutions for retail banking, business banking, and marketing. This platform enables financial institutions to deliver a seamless digital experience to their customers.
Leadership and Structure
Alkami is led by CEO Alex Shootman. The organizational structure includes departments for sales, marketing, product development, engineering, customer success, and finance.
Top Products and Market Share
Key Offerings
- Alkami Platform: Alkami's flagship product is its cloud-based digital banking platform, catering to banks and credit unions. It offers features such as online and mobile banking, account origination, and customer relationship management (CRM) integration. While precise market share data is difficult to obtain, Alkami is a significant player in the digital banking platform market, competing with companies like Fiserv, Jack Henry & Associates, and Q2 Holdings. Alkami has a high customer retention rate that boosts the product's revenue.
Market Dynamics
Industry Overview
The digital banking platform market is experiencing significant growth, driven by increasing consumer demand for online and mobile banking services. The industry is competitive, with established players and emerging startups vying for market share.
Positioning
Alkami is positioned as a leading provider of cloud-based digital banking solutions for banks and credit unions. Its competitive advantages include its modern technology platform, focus on user experience, and strong customer relationships.
Total Addressable Market (TAM)
The total addressable market for digital banking platforms is estimated to be billions of dollars annually. Alkami is positioned to capture a significant share of this market by targeting mid-sized and regional financial institutions.
Upturn SWOT Analysis
Strengths
- Modern technology platform
- Strong customer relationships
- Focus on user experience
- Cloud-based architecture
- Scalable platform
Weaknesses
- Smaller size compared to larger competitors
- Limited international presence
- Dependence on financial institutions sector
- Profitability Concerns
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Partnerships with fintech companies
- Development of new products and services
Threats
- Competition from larger, more established players
- Cybersecurity risks
- Changing regulatory landscape
- Economic downturn
Competitors and Market Share
Key Competitors
- FISV
- JKHY
- QTWO
Competitive Landscape
Alkami's advantages include its modern platform and focus on user experience. Disadvantages include its smaller size and limited international presence compared to competitors like Fiserv and Jack Henry.
Major Acquisitions
Segment.io
- Year: 2020
- Acquisition Price (USD millions): 500
- Strategic Rationale: Expand customer base and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Alkami has demonstrated strong historical revenue growth due to increased demand for digital banking solutions and customer acquisition.
Future Projections: Analyst estimates project continued revenue growth for Alkami, driven by the ongoing digital transformation of the banking industry.
Recent Initiatives: Recent initiatives include strategic partnerships, product enhancements, and expansion into new markets.
Summary
Alkami is a growing player in the digital banking platform market, driven by its modern technology and focus on user experience. The company faces competition from larger, more established players but has opportunities to expand into new markets. Its financial performance is characterized by revenue growth and volatile income due to their investments for growth, and the reliance of one main platform. Investors should monitor financial performance, especially profitability, and competitive pressures.
Similar Companies
- FISV
- JKHY
- QTWO
- FNTC
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Alkami Technology Inc
Exchange NASDAQ | Headquaters Plano, TX, United States | ||
IPO Launch date 2021-04-14 | CEO, President & Director Mr. Alex P. Shootman | ||
Sector Technology | Industry Software - Application | Full time employees 938 | Website https://www.alkami.com |
Full time employees 938 | Website https://www.alkami.com | ||
Alkami Technology, Inc. provides cloud-based digital banking solutions in the United States. The company's Alkami Digital Banking Platform allows financial institutions to onboard and engage new users, accelerate revenues, and enhance operational efficiency, with the support of a 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.
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