# Alkami Technology Inc. (ALKT) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Technology / Software. Price $13.46, market value $1.4 billion.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Alkami Technology Inc. reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 2.9×**. Each dollar of revenue is priced at 2.9×.
- **Price / book: 4.0×**. The shares trade at 4.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 2.9%** (5-yr avg -0.8%). Free cash flow equals 2.9% of the market value, above its five-year average of -0.8%, so the shares are cheaper on cash than they have usually been.

## Profitability
- **Gross margin: 57.1%**. Alkami Technology Inc. keeps 57.1% of revenue after the direct cost of what it sells.
- **Operating margin: -7.3%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -10.7%**. The company reported a net loss over the last twelve months.
- **Return on equity: -13.2%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -9.6%**. Return on all capital, debt included, is -9.6%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -4.9%**. Each dollar of assets produces -4.9% of profit.

## Growth
- **Revenue growth (1 yr): 32.9%** (3-yr 29.5%/yr, 5-yr 31.7%/yr). Revenue grew 32.9% over the last year, against 31.7% a year compounded over five years.
- **EPS growth (1 yr): -12.2%**. Earnings per share fell 12.2%, slower than revenue, so margins compressed.

## Financial health
- **Debt to equity: 0.00**. Debt is 0.00 times equity: a conservative balance sheet.
- **Net debt / EBITDA: 6.7×**. It would take 6.7 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Current ratio: 2.09** (quick 2.09). Current assets cover the next year's liabilities 2.09 times.
- **Altman Z-score: 2.83**. A Z-score of 2.83 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Alkami Technology Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover Alkami Technology Inc.; the consensus is hold, with an average price target of $17.00 (+26% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -34.3%** (YTD -42.2%, 3-mo -29.0%). The shares are down 34.3% over twelve months including dividends.
- **From 52-week high: -45.0%** (11.2% above the low). Trading 45% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 39**. An RSI of 39 is neutral.
- **Beta (1 yr): 0.86** (volatility 55%). Beta of 0.86 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=ALKT · Page: https://foliofundamentals.com/stocks/alkt

Not investment advice.