(ALKT) Alkami Technology - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US01644J1088
Stock: Digital Banking Platform, Cloud Architecture, Onboarding, Revenue Acceleration
Total Rating 23
Risk 30
Buy Signal -0.98
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 47.0% |
| Relative Tail Risk | -5.74% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.28 |
| Alpha | -69.74 |
| Character TTM | |
|---|---|
| Beta | 1.274 |
| Beta Downside | 1.229 |
| Drawdowns 3y | |
|---|---|
| Max DD | 60.11% |
| CAGR/Max DD | 0.05 |
Description: ALKT Alkami Technology January 12, 2026
Alkami Technology, Inc. (NASDAQ: ALKT) delivers a cloud-native digital banking platform that enables U.S. community, regional and super-regional credit unions and banks to acquire new customers, boost revenue streams, and streamline back-office operations through a multi-tenant architecture.
In its most recent fiscal year, Alkami reported a 38% year-over-year increase in subscription revenue, bringing total annual recurring revenue (ARR) to roughly $140 million, while maintaining a cash runway of over 18 months despite a net loss of $12 million, reflecting continued investment in product development and sales expansion.
The digital banking market is being propelled by a 12% CAGR in fintech adoption across the U.S. banking sector, tighter regulatory pressure for enhanced consumer data security, and a macro trend toward branch-less banking that favors cloud-based solutions like Alkami’s.
For a deeper, data-driven look at Alkami’s valuation metrics and peer comparisons, you may find ValueRay’s analytics platform worth a quick review.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: -43.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 3.65 > 1.0 |
| NWC/Revenue: 22.85% < 20% (prev 38.33%; Δ -15.49% < -1%) |
| CFO/TA 0.04 > 3% & CFO 32.4m > Net Income -43.9m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 2.17 > 1.5 & < 3 |
| Outstanding Shares: last quarter (104.3m) vs 12m ago 4.94% < -2% |
| Gross Margin: 58.36% > 18% (prev 0.58%; Δ 5778 % > 0.5%) |
| Asset Turnover: 65.61% > 50% (prev 74.74%; Δ -9.13% > 0%) |
| Interest Coverage Ratio: -7.04 > 6 (EBITDA TTM -31.3m / Interest Expense TTM 7.10m) |
Altman Z'' -2.90
| A: 0.11 (Total Current Assets 174.9m - Total Current Liabilities 80.6m) / Total Assets 835.2m |
| B: -0.61 (Retained Earnings -512.4m / Total Assets 835.2m) |
| C: -0.08 (EBIT TTM -50.0m / Avg Total Assets 628.7m) |
| D: -1.06 (Book Value of Equity -512.3m / Total Liabilities 485.1m) |
| Altman-Z'' Score: -2.90 = D |
Beneish M -2.71
| DSRI: 0.91 (Receivables 50.7m/42.4m, Revenue 412.5m/315.6m) |
| GMI: 1.00 (GM 58.36% / 58.11%) |
| AQI: 1.44 (AQ_t 0.74 / AQ_t-1 0.51) |
| SGI: 1.31 (Revenue 412.5m / 315.6m) |
| TATA: -0.09 (NI -43.9m - CFO 32.4m) / TA 835.2m) |
| Beneish M-Score: -2.71 (Cap -4..+1) = A |
What is the price of ALKT shares?
As of February 07, 2026, the stock is trading at USD 17.43 with a total of 2,827,847 shares traded.
Over the past week, the price has changed by -17.74%, over one month by -24.51%, over three months by -8.65% and over the past year by -51.49%.
Over the past week, the price has changed by -17.74%, over one month by -24.51%, over three months by -8.65% and over the past year by -51.49%.
Is ALKT a buy, sell or hold?
Alkami Technology has received a consensus analysts rating of 4.36.
Therefore, it is recommended to buy ALKT.
- StrongBuy: 6
- Buy: 3
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the ALKT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 31.9 | 83% |
| Analysts Target Price | 31.9 | 83% |
| ValueRay Target Price | 16.2 | -7.3% |
ALKT Fundamental Data Overview February 03, 2026
P/S = 5.394
P/B = 6.3581
Revenue TTM = 412.5m USD
EBIT TTM = -50.0m USD
EBITDA TTM = -31.3m USD
Long Term Debt = 360.7m USD (from longTermDebt, last quarter)
Short Term Debt = 3.16m USD (from shortTermDebt, last quarter)
Debt = 378.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 321.1m USD (from netDebt column, last quarter)
Enterprise Value = 2.51b USD (2.23b + Debt 378.4m - CCE 90.9m)
Interest Coverage Ratio = -7.04 (Ebit TTM -50.0m / Interest Expense TTM 7.10m)
EV/FCF = 85.33x (Enterprise Value 2.51b / FCF TTM 29.4m)
FCF Yield = 1.17% (FCF TTM 29.4m / Enterprise Value 2.51b)
FCF Margin = 7.14% (FCF TTM 29.4m / Revenue TTM 412.5m)
Net Margin = -10.63% (Net Income TTM -43.9m / Revenue TTM 412.5m)
Gross Margin = 58.36% ((Revenue TTM 412.5m - Cost of Revenue TTM 171.8m) / Revenue TTM)
Gross Margin QoQ = 56.79% (prev 58.56%)
Tobins Q-Ratio = 3.01 (Enterprise Value 2.51b / Total Assets 835.2m)
Interest Expense / Debt = 0.79% (Interest Expense 2.98m / Debt 378.4m)
Taxrate = 21.0% (US default 21%)
NOPAT = -39.5m (EBIT -50.0m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 2.17 (Total Current Assets 174.9m / Total Current Liabilities 80.6m)
Debt / Equity = 1.08 (Debt 378.4m / totalStockholderEquity, last quarter 350.1m)
Debt / EBITDA = -10.27 (negative EBITDA) (Net Debt 321.1m / EBITDA -31.3m)
Debt / FCF = 10.91 (Net Debt 321.1m / FCF TTM 29.4m)
Total Stockholder Equity = 346.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -6.98% (Net Income -43.9m / Total Assets 835.2m)
RoE = -12.66% (Net Income TTM -43.9m / Total Stockholder Equity 346.3m)
RoCE = -7.07% (EBIT -50.0m / Capital Employed (Equity 346.3m + L.T.Debt 360.7m))
RoIC = -6.26% (negative operating profit) (NOPAT -39.5m / Invested Capital 631.5m)
WACC = 9.16% (E(2.23b)/V(2.60b) * Re(10.61%) + D(378.4m)/V(2.60b) * Rd(0.79%) * (1-Tc(0.21)))
Discount Rate = 10.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.33%
[DCF Debug] Terminal Value 65.16% ; FCFF base≈29.4m ; Y1≈19.3m ; Y5≈8.82m
Fair Price DCF = N/A (negative equity: EV 143.6m - Net Debt 321.1m = -177.5m; debt exceeds intrinsic value)
EPS Correlation: 39.95 | EPS CAGR: 10.07% | SUE: -1.42 | # QB: 0
Revenue Correlation: 99.62 | Revenue CAGR: 29.83% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.18 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=0.92 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+75.6% | Growth Revenue=+23.6%
P/B = 6.3581
Revenue TTM = 412.5m USD
EBIT TTM = -50.0m USD
EBITDA TTM = -31.3m USD
Long Term Debt = 360.7m USD (from longTermDebt, last quarter)
Short Term Debt = 3.16m USD (from shortTermDebt, last quarter)
Debt = 378.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 321.1m USD (from netDebt column, last quarter)
Enterprise Value = 2.51b USD (2.23b + Debt 378.4m - CCE 90.9m)
Interest Coverage Ratio = -7.04 (Ebit TTM -50.0m / Interest Expense TTM 7.10m)
EV/FCF = 85.33x (Enterprise Value 2.51b / FCF TTM 29.4m)
FCF Yield = 1.17% (FCF TTM 29.4m / Enterprise Value 2.51b)
FCF Margin = 7.14% (FCF TTM 29.4m / Revenue TTM 412.5m)
Net Margin = -10.63% (Net Income TTM -43.9m / Revenue TTM 412.5m)
Gross Margin = 58.36% ((Revenue TTM 412.5m - Cost of Revenue TTM 171.8m) / Revenue TTM)
Gross Margin QoQ = 56.79% (prev 58.56%)
Tobins Q-Ratio = 3.01 (Enterprise Value 2.51b / Total Assets 835.2m)
Interest Expense / Debt = 0.79% (Interest Expense 2.98m / Debt 378.4m)
Taxrate = 21.0% (US default 21%)
NOPAT = -39.5m (EBIT -50.0m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 2.17 (Total Current Assets 174.9m / Total Current Liabilities 80.6m)
Debt / Equity = 1.08 (Debt 378.4m / totalStockholderEquity, last quarter 350.1m)
Debt / EBITDA = -10.27 (negative EBITDA) (Net Debt 321.1m / EBITDA -31.3m)
Debt / FCF = 10.91 (Net Debt 321.1m / FCF TTM 29.4m)
Total Stockholder Equity = 346.3m (last 4 quarters mean from totalStockholderEquity)
RoA = -6.98% (Net Income -43.9m / Total Assets 835.2m)
RoE = -12.66% (Net Income TTM -43.9m / Total Stockholder Equity 346.3m)
RoCE = -7.07% (EBIT -50.0m / Capital Employed (Equity 346.3m + L.T.Debt 360.7m))
RoIC = -6.26% (negative operating profit) (NOPAT -39.5m / Invested Capital 631.5m)
WACC = 9.16% (E(2.23b)/V(2.60b) * Re(10.61%) + D(378.4m)/V(2.60b) * Rd(0.79%) * (1-Tc(0.21)))
Discount Rate = 10.61% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 4.33%
[DCF Debug] Terminal Value 65.16% ; FCFF base≈29.4m ; Y1≈19.3m ; Y5≈8.82m
Fair Price DCF = N/A (negative equity: EV 143.6m - Net Debt 321.1m = -177.5m; debt exceeds intrinsic value)
EPS Correlation: 39.95 | EPS CAGR: 10.07% | SUE: -1.42 | # QB: 0
Revenue Correlation: 99.62 | Revenue CAGR: 29.83% | SUE: -0.43 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.18 | Chg30d=+0.000 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=0.92 | Chg30d=+0.000 | Revisions Net=+0 | Growth EPS=+75.6% | Growth Revenue=+23.6%