Alkami Technology Inc logo

Alkami Technology Inc(ALKT)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL
1-STAR RATING
PASS
LAST CLOSE
$18.09
09/22/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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  • 1W
  • BUY Advisory
  • SELL Advisory (Profit)
  • SELL Advisory (Loss)
  • Profit
  • Loss
  • PASS (Skip)
Upturn Stock price based on last close iconStock price based on last close

Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for ALKT

09/22/2026: ALKT (1-star) is currently NOT-A-BUY. Pass it for now.

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.

Price Behavior

Downtrend
PRICE PATH

Downtrend

The stock has experienced a sustained decline in price over recent periods.

Choppy
PRICE STABILITY

Choppy

The stock has experienced frequent reversals and pronounced short-term price swings.

Analysis of Past Performance

Type Stock
Historic Profit -28.59%
Avg. Invested days 33
Today’s Advisory PASS
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 2.0
Stock Returns Performance Upturn Returns Performance icon 1.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/22/2026

Upturn Scorecard

Upturn Star Rating

ALKT receives a 3-star rating, supported by solid company fundamentals, and solid analyst coverage. The rating is constrained by soft unit economics, and weak price momentum.

Company Fundamentals

ALKT has solid overall fundamentals (4 stars), with moderate financial health, solid growth momentum, and solid ownership. In FY2025 versus FY2024, solid cash generation (FCF margin 9.3%) and solid revenue growth (+32.9%) are partially offset by negative earnings growth (-16.7%), soft profitability (net margin -10.7%).

Financial Health Rating

ALKT's financial health is supported by solid liquidity, including working-capital and asset support (WC/assets 11.5%). Profitability is soft (2 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Free-cash-flow growth is ALKT's strongest growth driver at +137.7% FY2025 versus FY2024 (strong, 5 stars). By comparison, revenue growth (+32.9%, solid) is also solid, while earnings growth (-16.7%, negative) holds the profile back, so recent growth is not broad-based across the business.

Ownership

Institutional ownership is 93.6% and approximately 47.2% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership of 23.82% supports management-shareholder alignment.

Top 5 Institutional Investors

General Atlantic Llc 18.12%
North Reef Capital Management LP 7.15%
Jana Partners Management LP 6.31%
BlackRock Inc 5.50%
Vanguard Portfolio Management, LLC 4.38%

Unit Economics (Per $1K Revenue)

ALKT generates approximately $578 of gross profit, $-121 of operating income, and $93 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 19.18%

Quantitative Style Profile

ALKT has a relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedLow VolatilitySmall / Mid Cap RiskShort Squeeze Risk

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 1.98B USD
Price to earnings Ratio -
1Y Target Price 22
Price to earnings Ratio -
1Y Target Price 22
Volume (30-day avg) 1.4M shares
Beta 0.61
52 Weeks Range 13.98 - 26.42
Updated Date 09/22/2026
52 Weeks Range 13.98 - 26.42
Updated Date 09/22/2026
Dividends yield (FY) -
Basic EPS (TTM) -0.43

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

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Valuation

Trailing PE -
Forward PE -
Enterprise Value 2.32B
Price to Sales(TTM) 4.04
Enterprise Value 2.32B
Price to Sales(TTM) 4.04
Enterprise Value to Revenue 4.74
Enterprise Value to EBITDA -50.66
Shares Outstanding 106.94M
Shares Floating 50.47M
Shares Outstanding 106.94M
Shares Floating 50.47M
Percent Insiders 23.82
Percent Institutions 93.62

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon 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)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon 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)

Information icon 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)

Information icon 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
Full time employees 1225

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.