Alkami Technology, Inc.
ALKT · Price history
Price at last available close
$15.36
+$1.97 (+14.71%) 1M
2026-10-27
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Company & revenue
About Alkami Technology, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
Alkami Technology, Inc. specializes in delivering a cutting-edge, cloud-based digital banking platform throughout the United States. This innovative platform is designed to empower financial institutions by streamlining customer acquisition and engagement, fostering revenue growth, and significantly boosting operational efficiency. These capabilities are underpinned by Alkami's exclusive, multi-tenant cloud architecture.
How they make money
Alkami Technology, Inc. operates a cloud-based digital banking platform that generates revenue primarily through multi-year subscription agreements with financial institutions. These institutions pay recurring fees for access to the platform, which includes digital banking, account opening, and data analytics services, typically billed on a per-user or per-account basis.
Products & services
The Alkami Digital Sales & Service Platform, which includes digital banking, onboarding and account opening, and data and marketing solutions for financial institutions.
Brands & revenue mix
The primary brand and platform offering for financial institutions.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Period ended 2025-12-31Source
Calculated from reported segment revenue. Check the source period and revenue basis before comparing shares. Categories can overlap and may not add to 100%.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
The company does not disclose specific customer concentration figures in its 2025 annual report.
Suppliers, materials & equipment
- Cloud Infrastructure Providers — The company relies on third-party cloud infrastructure providers to host its platform and deliver services to its clients.Source
Competitors
- Jack Henry & Associates, Inc. — Provides core processing and digital banking solutions to financial institutions.Source
- FIS (Fidelity National Information Services, Inc.) — Offers technology solutions, including digital banking, to the financial services industry.Source
- Fiserv, Inc. — Provides financial services technology, including digital banking and payment processing.Source
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
25
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
40
Weak
Financial Strength
24
Business Quality / Moat
82
Management
0
Growth Quality
64
Risk / Durability
21
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
42
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
55/100
Building Historical Record
Model Score 55/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently moderate.
- •Asset quality scores strongly
- •Debt service risk
- •M&A headline · Sep 24, 2026
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for ALKT
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can ALKT maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is ALKT's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is ALKT's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What specifically needs to improve for ALKT to reach sustainable profitability?
- •What future growth or profitability would be needed to justify ALKT's current valuation?
Essential Investment Snapshot
Wall Street Score
25
Opportunity Score
42
Market Cap
$1.64B
P/E Ratio
-31.8
EPS
$-0.43
52-Week High
$24.91
52-Week Low
$13.21
Beta
0.61
Analyst Target
$25.00
Shares Outstanding
103.9M
Total Revenue
$489.7M
Total Debt
$358.2M
Dividend
No current dividend
Liquidation Value / Share
$3.49
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for ALKT
Detected from reported data — verify before acting.Debt service risk
Interest coverage is low (~-5.7x). Earnings may be strained to cover interest expense.
M&A headline · Sep 24, 2026
Alkami Stock Hits Three-Year Lows: Jana Doesn't Get Buyout Wish — This is a provider-linked headline, not an independently confirmed event. Check the article and company filings for the subject, proposed/completed status, and subsequent updates.
BenzingaCommunity Sentiment
0 active · 0 total callsNo personal call yet on ALKT.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary, true cloud-based architecture.
- +High recurring revenue model.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Software - Application industry.
- −Dependence on third-party cloud infrastructure providers.
- −Intense competition in the financial technology market.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
5 historical score records availablePrevious Score
25
Sep 8, 2026
Change
+0.4
points
Current Score
25
Oct 1, 2026
Category Changes
ALKT increased 0.4 points because Asset improved by 3 points.
Positive Contributors
- + Asset improved by 3 points
Projected Score
Projected Score
28
Projected Change
+2.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 2.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Valuation unavailableCurrent Price
$15.36
Model Intrinsic Value
—
Difference
—
Margin of Safety
—
Intrinsic value is not currently available for this stock, so valuation can't be calculated.
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $489.7M | $443.6M | $333.8M | $264.8M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $210.5M | $187.0M | $137.2M | $120.7M | ···· | ···· | ···· | ···· |
| Gross Profit | $279.2M | $256.6M | $196.6M | $144.1M | ···· | ···· | ···· | ···· |
| Research & Development | $123.7M | $118.4M | $96.2M | $84.7M | ···· | ···· | ···· | ···· |
| SG&A Expenses | $185.6M | $181.0M | $143.4M | $121.5M | ···· | ···· | ···· | ···· |
| Operating Expenses | $315.0M | $310.2M | $241.3M | $207.8M | ···· | ···· | ···· | ···· |
| EBITDA | -$8.6M | -$22.6M | -$29.6M | -$44.9M | ···· | ···· | ···· | ···· |
| Operating Income | -$35.8M | -$53.6M | -$44.6M | -$63.7M | ···· | ···· | ···· | ···· |
| Interest Expense | $9.9M | $9.5M | $461K | $7.4M | ···· | ···· | ···· | ···· |
| Income Before Tax | -$42.3M | -$59.0M | -$40.5M | -$62.9M | ···· | ···· | ···· | ···· |
| Income Tax Expense | $2.8M | -$11.3M | $308K | $44K | ···· | ···· | ···· | ···· |
| Net Income | -$45.1M | -$47.7M | -$40.8M | -$62.9M | ···· | ···· | ···· | ···· |
| Basic EPS | $-0.43 | $-0.46 | $-0.41 | $-0.67 | ···· | ···· | ···· | ···· |
| Basic Shares | 107M | 104M | 98.89M | 94.08M | ···· | ···· | ···· | ···· |
| Diluted Shares | 107M | 104M | 98.89M | 94.08M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$129.8M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$0.09
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-11.2%
Cash Change
-13.2%
Margin Change
+5.3 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, debt levels, net income margin. Pressure indicators included EPS growth, cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 15.9%. EPS declined 33.5%. Cash declined 13.2%. Total debt declined 11.2%. Net income margin improved by 5.3 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
5 historical recordsHistorical Score Chart
3 of 5 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Software - ApplicationNews
Connexus Credit Union Renews and Expands Longstanding Partnership with Alkami to Advance Digital Banking and Grow Member Relationships
Alkami to Host Webinar with Thomaston Savings Bank on Using Predictive AI to Deliver Data-Driven Guidance and Accelerate Growth
MANTL Brings Automated Loan Calculations and Compliance Validation to Loan Origination with Carleton Integration
Alkami Customers Prevent Over $263 Million in Fraud with BioCatch
Rumor Mill · ALKT
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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