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Upturn AI SWOT - About
ALKT 
Alkami Technology Inc (ALKT)
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Upturn Advisory Summary
08/29/2025: ALKT (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $38.44
1 Year Target Price $38.44
| 6 | Strong Buy |
| 3 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 17.25% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.66B USD | Price to earnings Ratio - | 1Y Target Price 38.44 |
Price to earnings Ratio - | 1Y Target Price 38.44 | ||
Volume (30-day avg) 11 | Beta 0.56 | 52 Weeks Range 19.94 - 42.29 | Updated Date 08/30/2025 |
52 Weeks Range 19.94 - 42.29 | Updated Date 08/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -9.99% | Operating Margin (TTM) -13.7% |
Management Effectiveness
Return on Assets (TTM) -4.6% | Return on Equity (TTM) -11.47% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 2980721332 | Price to Sales(TTM) 6.91 |
Enterprise Value 2980721332 | Price to Sales(TTM) 6.91 | ||
Enterprise Value to Revenue 7.73 | Enterprise Value to EBITDA -50.66 | Shares Outstanding 104083000 | Shares Floating 71509279 |
Shares Outstanding 104083000 | Shares Floating 71509279 | ||
Percent Insiders 24.84 | Percent Institutions 86.26 |
Upturn AI SWOT
Alkami Technology Inc
Company Overview
History and Background
Alkami Technology Inc. was founded in 2009. It is a cloud-based digital banking solutions provider primarily serving banks and credit unions. It went public in April 2021.
Core Business Areas
- Digital Banking Platform: Provides a unified platform for retail and business banking, encompassing user experience, security, and data analytics.
- Alkami Technology: This segment focuses on providing financial institutions with digital banking solutions to attract, retain, and grow users.
Leadership and Structure
Alkami Technology Inc. is led by CEO Alex Shootman. The organizational structure includes departments for engineering, product, sales, marketing, finance, and customer success. There is also a board of directors.
Top Products and Market Share
Key Offerings
- Alkami Platform: A comprehensive digital banking platform. The market share is difficult to pin down exactly, but Alkami estimates their TAM at $10 billion and they have a small single digit market share. Competitors include Q2 Holdings, Fiserv, and Jack Henry & Associates. Revenue information is published quarterly.
Market Dynamics
Industry Overview
The digital banking solutions market is experiencing significant growth due to increasing demand for online and mobile banking services. Fintech is driving innovation and creating a competitive landscape.
Positioning
Alkami is positioned as a leading provider of cloud-based digital banking solutions, offering a modern and user-friendly platform. Their competitive advantage lies in platform flexibility and specialized fintech integrations.
Total Addressable Market (TAM)
The estimated TAM is $10 Billion. Alkami is positioned with a low single-digit market share and plans to increase with future growth.
Upturn SWOT Analysis
Strengths
- Cloud-based platform
- Strong customer relationships
- Scalable architecture
- Fintech-friendly architecture
Weaknesses
- Limited market share compared to larger competitors
- Dependence on financial institution clients
- Potential vulnerability to cybersecurity threats
Opportunities
- Expansion into new markets
- Partnerships with fintech companies
- Increasing demand for digital banking solutions
- Product innovation to better serve customers
Threats
- Intense competition
- Evolving regulatory landscape
- Economic downturn impacting financial institutions
- Emergence of new technologies
Competitors and Market Share
Key Competitors
- FISV
- JKHY
- Q2
Competitive Landscape
Alkami faces competition from established players like Fiserv and Jack Henry, as well as emerging fintech companies. Alkami's advantages include its modern platform and focus on innovation, while its disadvantages include its smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Alkami has experienced growth in revenue and customer base in recent years.
Future Projections: Analyst projections vary, but generally anticipate continued growth in revenue and customer acquisition. Please see analyst estimates for current data.
Recent Initiatives: Recent initiatives include product enhancements, strategic partnerships, and market expansion efforts.
Summary
Alkami Technology is a growing player in the digital banking solutions market, offering a modern, cloud-based platform. The company benefits from strong customer relationships and a scalable architecture. However, it faces intense competition from larger, more established players and must navigate a complex regulatory landscape. Growth depends on expanding market share and innovating to meet evolving customer needs.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Alkami Technology Inc. investor relations website
- Third-party market research reports
- Company SEC filings (10-K, 10-Q)
- Analyst reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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