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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
11/04/2026: ALKT (1-star) is currently NOT-A-BUY. Pass it for now.
Alkami Technology Inc is a high-growth financial technology company that offers a cloud-native digital banking platform, primarily for US-based credit unions and regional banks. The company's main strength lies in its modular, extensible architecture, which enables financial institutions to deliver modern banking experiences while retaining their own brand. Its primary investment story centers on capturing market share as smaller institutions migrate from outdated, on-premise systems. However, the company faces significant competition from large, entrenched software incumbents and must navigate the risks of sustained operational expenses and a concentrated customer base. Alkami is generally better suited for growth-oriented investors, while those seeking immediate profitability or dividends may find the current profile less attractive.
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 | Alkami exhibits high revenue growth rates typical of expanding SaaS companies aiming for long-term market capture. |
| Momentum investor | Mixed fit | The stock's performance often fluctuates with sector-wide sentiment, making it conditional on positive price trends and sustained growth signals. |
| Value investor | Weak fit | As a high-growth technology company currently prioritizing scale over profitability, it does not meet traditional value-based investment criteria. |
| Dividend investor | Weak fit | The company does not pay dividends and is unlikely to do so in the near future while it invests in growth. |
| Low-risk investor | Weak fit | High volatility associated with growth-stage software companies makes this a poor fit for low-risk portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | Growth stocks in the fintech sector are subject to sharp price fluctuations based on interest rate changes and growth expectations. |
| Valuation risk | Medium / high | Investors often pay a premium for high-growth software, which can lead to significant corrections if growth expectations are not met. |
| Competition risk (incumbent platform competition) | High | Competing against entrenched players like Fiserv and Jack Henry makes winning every new deal challenging. |
| Business quality | Medium | The company provides a critical service with high retention, though it has yet to prove consistent, long-term GAAP profitability. |
| Dividend income | Low / none | There is no dividend income stream for investors to rely on. |
| Execution risk | Medium | Successful growth depends on the continued ability to migrate financial institutions from legacy systems and expand the platform's utility. |
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 -22.33% | Avg. Invested days 36 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2026 |
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 1.44B USD | Price to earnings Ratio - | 1Y Target Price 16.4 |
Price to earnings Ratio - | 1Y Target Price 16.4 | ||
Volume (30-day avg) 2.4M shares | Beta 0.51 | 52 Weeks Range 12.10 - 24.46 | Updated Date 11/04/2026 |
52 Weeks Range 12.10 - 24.46 | Updated Date 11/04/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.35 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Subscription Services | Recurring revenue from financial institutions accessing the Alkami digital banking platform. | This is the primary, predictable revenue engine for the company. |
| Professional Services | Fees related to the implementation, training, and custom configuration of the platform for new clients. | This serves as an entry point for new clients and supports the subscription business. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-28 | When After Market | Estimate 0.04 | Actual 0.04 |
Profitability
Profit Margin -7.24% | Operating Margin (TTM) -4.07% |
Management Effectiveness
Return on Assets (TTM) -2.06% | Return on Equity (TTM) -10.44% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 1.70B | Price to Sales(TTM) 2.82 |
Enterprise Value 1.70B | Price to Sales(TTM) 2.82 | ||
Enterprise Value to Revenue 3.32 | Enterprise Value to EBITDA 266.75 | Shares Outstanding 107.04M | Shares Floating 61.63M |
Shares Outstanding 107.04M | Shares Floating 61.63M | ||
Percent Insiders 17.67 | Percent Institutions 92.54 |
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.
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