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Upturn AI SWOT - About
ALKT 
Alkami Technology Inc (ALKT)
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Upturn Advisory Summary
10/15/2025: 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 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.41B 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 0.57 | 52 Weeks Range 19.94 - 42.29 | Updated Date 10/16/2025 |
52 Weeks Range 19.94 - 42.29 | Updated Date 10/16/2025 | ||
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 2826678288 | Price to Sales(TTM) 6.24 |
Enterprise Value 2826678288 | Price to Sales(TTM) 6.24 | ||
Enterprise Value to Revenue 7.33 | Enterprise Value to EBITDA -50.66 | Shares Outstanding 104083138 | Shares Floating 71369808 |
Shares Outstanding 104083138 | Shares Floating 71369808 | ||
Percent Insiders 24.65 | Percent Institutions 92.06 |
Upturn AI SWOT
Alkami Technology Inc
Company Overview
History and Background
Alkami Technology Inc. was founded in 2009. It provides cloud-based digital banking solutions to financial institutions. They went public in April 2021.
Core Business Areas
- Digital Banking Platform: Alkami provides a unified platform offering retail and business banking functionalities, including account management, payments, and security features.
Leadership and Structure
Alex Shootman serves as CEO. The company operates with a functional organizational structure.
Top Products and Market Share
Key Offerings
- Alkami Platform: A cloud-based digital banking platform. Data on market share specific to Alkami's platform is difficult to obtain directly, but the digital banking platform market is intensely competitive. Key competitors include Fiserv (FISV), Jack Henry & Associates (JKHY), and Q2 Holdings (QTWO). Alkami's revenue is ~$260M and targets the mid-size financial institutions.
Market Dynamics
Industry Overview
The digital banking platform market is experiencing rapid growth, driven by increasing consumer demand for online and mobile banking services. Fintech innovation and regulatory changes are also shaping the industry.
Positioning
Alkami focuses on providing digital banking solutions to regional and community banks and credit unions, differentiating itself through user experience and platform flexibility.
Total Addressable Market (TAM)
The total addressable market for digital banking solutions is estimated to be billions of dollars globally. Alkami is targeting a significant portion of this TAM by focusing on specific segments within the financial services industry. Specific TAM data for their precise target is hard to estimate but based on competitor numbers it is roughly ~20B.
Upturn SWOT Analysis
Strengths
- Specialized focus on regional and community banks/credit unions
- Cloud-based platform offering scalability and flexibility
- Strong user experience and customer satisfaction
- Modern technology stack
Weaknesses
- Smaller scale compared to larger competitors
- Reliance on a specific market segment
- Profitability needs improvement.
- High Sales and Marketing Costs
Opportunities
- Expansion into new markets and customer segments
- Increased adoption of digital banking technologies
- Partnerships with complementary fintech companies
- Strategic Acquisitions
Threats
- Intense competition from larger, established players
- Rapid technological changes
- Economic downturn impacting financial institutions
- Regulatory changes
Competitors and Market Share
Key Competitors
- FISV
- JKHY
- QTWO
Competitive Landscape
Alkami competes effectively in the mid-tier banking segment but faces significant competition from larger, more established players with broader product portfolios and larger customer bases.
Major Acquisitions
Kony, Inc. (by Temenos - TEMN.SW)
- Year: 2019
- Acquisition Price (USD millions): 580
- Strategic Rationale: To expand Temenos digital front office capabilities.
Growth Trajectory and Initiatives
Historical Growth: Alkami has demonstrated strong revenue growth since its inception.
Future Projections: Analysts project continued revenue growth, driven by market demand for digital banking solutions. Profitability improvements are expected.
Recent Initiatives: Strategic partnerships to expand service offerings and market reach; investments in research and development to enhance platform capabilities.
Summary
Alkami is a growing player in the digital banking platform market, particularly focused on mid-sized financial institutions. Their revenue growth is promising, but achieving profitability remains a key challenge. They need to effectively manage cash flow and maintain a competitive edge against larger, well-established competitors, and look out for risks in this ever-changing market
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Reports
Disclaimers:
The data provided is based on available information and estimates and should not be considered financial advice. Market conditions are subject to change.
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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