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Upturn AI Summary - About
Alkami Technology Inc(ALKT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for ALKT
10/06/2026: ALKT (1-star) is currently NOT-A-BUY. Pass it for now.
Alkami Technology is a cloud-based fintech company that provides a comprehensive digital banking platform primarily to community and regional financial institutions. The company is known for its modern, scalable architecture, which acts as a key differentiator against legacy systems. Its main growth opportunity lies in increasing the adoption of its data and marketing tools among existing banking clients. Primary risks include aggressive competition from large legacy software incumbents and potential macroeconomic headwinds affecting bank IT spending. Alkami best suits growth-focused investors, though it carries higher volatility and requires close monitoring of customer acquisition costs and long-term path to profitability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | The company is in a high-growth phase targeting digital transformation within the banking sector. |
| Momentum investor | Mixed fit | Momentum is highly dependent on favorable technical trends and quarterly execution signals. |
| Value investor | Weak fit | The company trades at a premium valuation based on growth rather than current earnings or dividends. |
| Dividend investor | Weak fit | Alkami is a growth company that does not pay dividends. |
| Low-risk investor | Weak fit | The company is a growth-stage software stock subject to significant market volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Growth stocks like Alkami often experience significant price swings based on macro trends. |
| Valuation risk | Medium / high | The stock is priced for high growth, leaving little room for error in execution. |
| Competition risk (incumbent software providers) | High | Large legacy providers continue to invest heavily in their own digital transformations. |
| Business quality | Medium | The SaaS model provides recurring revenue but faces challenges in customer acquisition costs. |
| Dividend income | Low / none | Investors should expect zero income from this asset. |
| Execution risk | Medium | Successfully managing large-scale migrations for banks is complex and resource-intensive. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -24.59% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.51B USD | Price to earnings Ratio - | 1Y Target Price 20.71 |
Price to earnings Ratio - | 1Y Target Price 20.71 | ||
Volume (30-day avg) 1.9M shares | Beta 0.6 | 52 Weeks Range 13.21 - 24.46 | Updated Date 10/06/2026 |
52 Weeks Range 13.21 - 24.46 | Updated Date 10/06/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.43 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| SaaS Subscription Fees | Platform access fees for the Alkami Digital Banking solution. | The company makes money primarily by charging banks ongoing fees to use their software platform. |
| Professional Services | Implementation, training, and integration services for new bank customers. | Alkami earns revenue through one-time fees for setting up new clients. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1.84B | Price to Sales(TTM) 3.09 |
Enterprise Value 1.84B | Price to Sales(TTM) 3.09 | ||
Enterprise Value to Revenue 3.75 | Enterprise Value to EBITDA -50.66 | Shares Outstanding 106.94M | Shares Floating 54.54M |
Shares Outstanding 106.94M | Shares Floating 54.54M | ||
Percent Insiders 17.68 | Percent Institutions 93.61 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Alkami Technology Inc
Exchange NASDAQ | Headquarters 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 1225 | Website https://www.alkami.com |
Full time employees 1225 | Website https://www.alkami.com | ||
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.
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