8-K Announcements
6Apr 29, 2026·SEC
Apr 1, 2026·SEC
Feb 25, 2026·SEC
Alkami Technology, Inc. (ALKT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Alkami Technology, Inc. (ALKT) stock price & volume — 10-year historical chart
Alkami Technology, Inc. (ALKT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Alkami Technology, Inc. (ALKT) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.04vs $0.21-81.0% | $126Mvs $125M+0.7% |
| Q1 2026 | Feb 25, 2026 | $0.10vs $0.15-33.3% | $121Mvs $120M+0.6% |
| Q4 2025 | Oct 30, 2025 | $0.13vs $0.15-13.3% | $113Mvs $120M-6.0% |
| Q3 2025 | Jul 30, 2025 | $0.13vs $0.09+44.4% | $112Mvs $116M-3.4% |
Alkami Technology, Inc. (ALKT) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison
Alkami Technology, Inc. (ALKT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Alkami Technology, Inc. (ALKT) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 73.54M | 112.14M | 152.16M | 204.27M | 264.83M | 333.85M | 443.64M | 471.94M |
| Revenue Growth % | - | 52.49% | 35.68% | 34.25% | 29.65% | 26.06% | 32.89% | 32.73% |
| Cost of Goods Sold | 43.11M | 52.99M | 68.35M | 95.95M | 120.72M | 137.22M | 187.04M | 200.94M |
| COGS % of Revenue | 58.61% | 47.25% | 44.92% | 46.97% | 45.58% | 41.1% | 42.16% | - |
| Gross Profit | 30.43M▲ 0% | 59.16M▲ 94.4% | 83.81M▲ 41.7% | 108.32M▲ 29.3% | 144.11M▲ 33.0% | 196.63M▲ 36.4% | 256.6M▲ 30.5% | 271M▲ 0% |
| Gross Margin % | 41.39% | 52.75% | 55.08% | 53.03% | 54.42% | 58.9% | 57.84% | 57.42% |
| Gross Profit Growth % | - | 94.37% | 41.67% | 29.25% | 33.04% | 36.44% | 30.5% | - |
| Operating Expenses | 72.97M | 94.26M | 126.72M | 178.54M | 207.82M | 241.26M | 310.24M | 314.95M |
| OpEx % of Revenue | 99.22% | 84.05% | 83.28% | 87.4% | 78.47% | 72.27% | 69.93% | - |
| Selling, General & Admin | 40.25M | 53.12M | 77.92M | 108.06M | 121.46M | 143.41M | 181.03M | 186.23M |
| SG&A % of Revenue | 54.73% | 47.37% | 51.21% | 52.9% | 45.86% | 42.96% | 40.81% | - |
| Research & Development | 32.72M | 40.21M | 48.8M | 69.33M | 84.66M | 96.21M | 118.4M | 122.51M |
| R&D % of Revenue | 44.49% | 35.86% | 32.07% | 33.94% | 31.97% | 28.82% | 26.69% | - |
| Other Operating Expenses | 0 | 930K | 0 | 1.16M | 1.7M | 1.63M | 10.81M | 3M |
| Operating Income | -42.53M▲ 0% | -35.1M▲ 17.5% | -42.92M▼ 22.3% | -70.22M▼ 63.6% | -63.7M▲ 9.3% | -44.63M▲ 29.9% | -53.64M▼ 20.2% | -43.95M▲ 0% |
| Operating Margin % | -57.84% | -31.3% | -28.2% | -34.38% | -24.05% | -13.37% | -12.09% | -9.31% |
| Operating Income Growth % | - | 17.47% | -22.26% | -63.62% | 9.28% | 29.95% | -20.19% | - |
| EBITDA | -40.31M | -32.33M | -39.47M | -62.14M | -53.07M | -34.12M | -26.72M | -12.39M |
| EBITDA Margin % | -54.81% | -28.83% | -25.94% | -30.42% | -20.04% | -10.22% | -6.02% | -2.63% |
| EBITDA Growth % | - | 19.8% | -22.1% | -57.43% | 14.59% | 35.72% | 21.67% | 68.37% |
| D&A (Non-Cash Add-back) | 2.23M | 2.77M | 3.44M | 8.07M | 10.63M | 10.51M | 26.91M | 31.55M |
| EBIT | -41.76M | -50.87M | -45.46M | -55.21M | -55.48M | -40.07M | -49.48M | -40.88M |
| Net Interest Income | 157K | -434K | -699K | -1.15M | 711K | 4.1M | -5.33M | -7.13M |
| Interest Income | 267K | 55K | 487K | 2.7M | 8.1M | 4.56M | 4.16M | 3.83M |
| Interest Expense | 110K | 489K | 1.19M | 3.85M | 7.38M | 461K | 9.49M | 10.95M |
| Other Income/Expense | 666K | -16.25M | -3.73M | 11.16M | 836K | 4.1M | -5.33M | -7.13M |
| Pretax Income | -41.87M▲ 0% | -51.35M▼ 22.7% | -46.65M▲ 9.2% | -59.06M▼ 26.6% | -62.87M▼ 6.4% | -40.53M▲ 35.5% | -58.96M▼ 45.5% | -51.07M▲ 0% |
| Pretax Margin % | -56.93% | -45.79% | -30.66% | -28.91% | -23.74% | -12.14% | -13.29% | -10.82% |
| Income Tax | 0 | 0 | 172K | -461K | 44K | 308K | -11.31M | -1.27M |
| Effective Tax Rate % | 0% | 0% | -0.37% | 0.78% | -0.07% | -0.76% | 19.18% | 2.49% |
| Net Income | -41.87M▲ 0% | -51.35M▼ 22.7% | -46.82M▲ 8.8% | -58.6M▼ 25.2% | -62.91M▼ 7.4% | -40.84M▲ 35.1% | -47.65M▼ 16.7% | -49.8M▲ 0% |
| Net Margin % | -56.93% | -45.79% | -30.77% | -28.69% | -23.76% | -12.23% | -10.74% | -10.55% |
| Net Income Growth % | - | -22.66% | 8.83% | -25.15% | -7.36% | 35.09% | -16.69% | -33.8% |
| Net Income (Continuing) | -41.87M | -51.35M | -46.82M | -58.6M | -62.91M | -40.84M | -47.65M | -49.8M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.50▲ 0% | -0.67▼ 34.0% | -0.52▲ 22.4% | -0.64▼ 23.1% | -0.67▼ 4.7% | -0.41▲ 38.8% | -0.46▼ 12.2% | -0.47▲ 0% |
| EPS Growth % | - | -34% | 22.39% | -23.08% | -4.69% | 38.81% | -12.2% | -25.66% |
| EPS (Basic) | -0.50 | -0.67 | -0.52 | -0.64 | -0.67 | -0.41 | -0.46 | - |
| Diluted Shares Outstanding | 84.04M | 84.04M | 89.95M | 90.96M | 94.08M | 98.89M | 103.9M | 106.39M |
| Basic Shares Outstanding | 84.04M | 84.04M | 89.95M | 90.96M | 94.08M | 98.89M | 103.9M | 106.39M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - |
Alkami Technology, Inc. (ALKT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 28.33M | 188.49M | 345.16M | 242.16M | 148.59M | 181.38M | 187.22M | 169.54M |
| Cash & Short-Term Investments | 11.98M | 166.79M | 308.58M | 196.35M | 92.12M | 115.73M | 99.09M | 77.65M |
| Cash Only | 11.98M | 166.79M | 308.58M | 108.72M | 40.93M | 94.36M | 63.46M | 40.41M |
| Short-Term Investments | 0 | 0 | 0 | 87.64M | 51.2M | 21.38M | 35.63M | 37.23M |
| Accounts Receivable | 9.81M | 14.1M | 20.82M | 26.25M | 35.5M | 38.74M | 51.49M | 51.44M |
| Days Sales Outstanding | 48.67 | 45.9 | 49.95 | 46.9 | 48.93 | 42.35 | 42.37 | 38.92 |
| Inventory | 3.79M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 32.13 | - | - | - | - | - | - | - |
| Other Current Assets | 2.74M | 7.6M | 6.27M | 19.56M | 20.96M | 26.9M | 36.63M | 40.45M |
| Total Non-Current Assets | 24.41M | 60.67M | 91.35M | 246.72M | 251.24M | 255.9M | 660.01M | 659.8M |
| Property, Plant & Equipment | 11.33M | 10.46M | 11.83M | 28.23M | 32.7M | 36.64M | 40.11M | 45.66M |
| Fixed Asset Turnover | 6.49x | 10.72x | 12.86x | 7.24x | 8.10x | 9.11x | 11.06x | 11.55x |
| Goodwill | 0 | 16.22M | 48.09M | 148.02M | 148.05M | 148.05M | 403.4M | 403.4M |
| Intangible Assets | 25K | 8.27M | 11.16M | 42.59M | 35.81M | 29.02M | 158.94M | 152.32M |
| Long-Term Investments | 0 | 0 | -85K | 500K | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 13.05M | 25.73M | 20.27M | 12.12M | 34.68M | 42.19M | 57.55M | 216.17M |
| Total Assets | 52.73M▲ 0% | 249.17M▲ 372.5% | 436.51M▲ 75.2% | 488.88M▲ 12.0% | 399.82M▼ 18.2% | 437.28M▲ 9.4% | 847.23M▲ 93.8% | 829.34M▲ 0% |
| Asset Turnover | 1.39x | 0.45x | 0.35x | 0.42x | 0.66x | 0.76x | 0.52x | 0.56x |
| Asset Growth % | - | 372.5% | 75.19% | 12% | -18.22% | 9.37% | 93.75% | 298.73% |
| Total Current Liabilities | 18.45M | 20.48M | 33.2M | 41.61M | 39.43M | 45.57M | 89.55M | 73.76M |
| Accounts Payable | 354K | 360K | 3.65M | 4.29M | 7.48M | 6.13M | 5.84M | 4.04M |
| Days Payables Outstanding | 3 | 2.48 | 19.49 | 16.32 | 22.61 | 16.3 | 11.4 | 10.83 |
| Short-Term Debt | 11K | 313K | 1.56M | 3.19M | 0 | 0 | 1.58M | 2.18M |
| Deferred Revenue (Current) | 5.8M | 6.12M | 8.2M | 8.84M | 10.98M | 13.58M | 34.77M | 127.08M |
| Other Current Liabilities | 12.28M | 13.7M | 4.16M | 4.61M | 1.34M | 1.2M | 47.36M | 33.54M |
| Current Ratio | 1.54x | 9.20x | 10.40x | 5.82x | 3.77x | 3.98x | 2.09x | 2.09x |
| Quick Ratio | 1.33x | 9.20x | 10.40x | 5.82x | 3.77x | 3.98x | 2.09x | 2.09x |
| Cash Conversion Cycle | 77.8 | - | - | - | - | - | - | 28.09 |
| Total Non-Current Liabilities | 19.65M | 48.94M | 58.7M | 113.22M | 35.45M | 34.68M | 395.63M | 384.93M |
| Long-Term Debt | 0 | 24.57M | 23.05M | 81.39M | 0 | 0 | 351.97M | 356.03M |
| Capital Lease Obligations | 0 | 0 | 0 | 15.82M | 18.05M | 17.11M | 0 | 32.66M |
| Deferred Tax Liabilities | 0 | 0 | 85K | 1.71M | 1.71M | 1.82M | 2.63M | 10.32M |
| Other Non-Current Liabilities | 6.12M | 9.95M | 21.69M | 400K | 305K | 220K | 41.04M | 41.74M |
| Total Liabilities | 38.09M | 69.43M | 91.9M | 154.84M | 74.88M | 80.25M | 485.18M | 458.69M |
| Total Debt | 11K | 24.88M | 24.62M | 104.05M | 19.26M | 18.45M | 353.55M | 358.21M |
| Net Debt | -11.97M | -141.91M | -283.96M | -4.67M | -21.67M | -75.91M | 290.09M | 317.8M |
| Debt / Equity | 0.00x | 0.14x | 0.07x | 0.31x | 0.06x | 0.05x | 0.98x | 0.98x |
| Debt / EBITDA | - | - | - | - | - | - | - | -28.90x |
| Net Debt / EBITDA | - | - | - | - | - | - | - | -25.64x |
| Interest Coverage | -379.63x | -104.02x | -38.33x | -14.34x | -7.51x | -86.91x | -5.22x | -3.73x |
| Total Equity | 14.64M▲ 0% | 179.74M▲ 1127.5% | 344.61M▲ 91.7% | 334.05M▼ 3.1% | 324.94M▼ 2.7% | 357.03M▲ 9.9% | 362.05M▲ 1.4% | 370.65M▲ 0% |
| Equity Growth % | - | 1127.48% | 91.73% | -3.07% | -2.73% | 9.88% | 1.41% | 20.94% |
| Book Value per Share | 0.17 | 2.14 | 3.83 | 3.67 | 3.45 | 3.61 | 3.48 | 3.48 |
| Total Shareholders' Equity | 14.64M | 179.74M | 344.61M | 334.05M | 324.94M | 357.03M | 362.05M | 370.65M |
| Common Stock | 5K | 5K | 90K | 92K | 97K | 102K | 106K | 107K |
| Retained Earnings | -195.73M | -263.53M | -313.85M | -372.45M | -435.37M | -476.2M | -523.85M | -533.82M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 0 | 0 | -436.51M | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Alkami Technology, Inc. (ALKT) cash flow — operating, investing & free cash flow history
| Line item | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -39.09M | -38.15M | -28.96M | -37.79M | -17.5M | 18.6M | 42.91M | 42.91M |
| Operating CF Margin % | -53.15% | -34.01% | -19.03% | -18.5% | -6.61% | 5.57% | 9.67% | - |
| Operating CF Growth % | - | 2.4% | 24.08% | -30.49% | 53.68% | 206.26% | 130.71% | 509.58% |
| Net Income | -41.87M | -51.35M | -46.82M | -58.6M | -62.91M | -40.84M | -47.65M | -49.8M |
| Depreciation & Amortization | 2.23M | 2.77M | 3.44M | 8.07M | 10.63M | 10.51M | 26.91M | 31.61M |
| Stock-Based Compensation | 1.25M | 1.95M | 14.54M | 0 | 51.23M | 59.44M | 76.19M | 77.41M |
| Deferred Taxes | -509K | 15.82M | 85K | -690K | -32K | 109K | -11.79M | -3.15M |
| Other Non-Cash Items | 43K | 61K | 3.08M | 29.88M | -3.59M | -865K | 2.75M | 3.55M |
| Working Capital Changes | -226K | -7.4M | -3.29M | -16.45M | -12.83M | -9.76M | -3.5M | -13.95M |
| Change in Receivables | -2.96M | -3.38M | -6.28M | -4.01M | -9.25M | -3.24M | -11.28M | -4.64M |
| Change in Inventory | -4M | -3.07M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 4M | 3.07M | 6.83M | -1.37M | 91K | 3.32M | 19.71M | 5.97M |
| Cash from Investing | -3.69M | -27.22M | -22.02M | -224.01M | 33.91M | 23.04M | -397.59M | -12.4M |
| Capital Expenditures | -3.69M | -2.15M | -1.12M | -4.7M | -1.06M | -1.2M | -1.54M | -2.6M |
| CapEx % of Revenue | 5.02% | 1.91% | 0.74% | 2.3% | 0.4% | 0.36% | 0.35% | - |
| Acquisitions | 0 | -25.07M | -18.33M | -131.84M | 0 | 0 | -375.5M | 0 |
| Investments | - | - | - | - | - | - | - | - |
| Other Investing | 0 | 0 | -2.58M | 0 | -5.23M | -6.66M | -7.15M | -6.73M |
| Cash from Financing | 30.19M | 225.05M | 192.27M | 61.18M | -87.82M | 11.79M | 323.79M | -54.52M |
| Debt Issued (Net) | 0 | 24.99M | -313K | 59.54M | -85M | 0 | 348.62M | -63.8M |
| Equity Issued (Net) | 30.31M | 199.36M | 189.31M | 5.3M | 17.11M | 24.98M | 9.05M | 8.5M |
| Dividends Paid | 0 | 0 | -4.97M | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | -14.54M | -3.5M | 0 | 0 | 0 | 0 | 0 |
| Other Financing | -112K | 697K | 8.24M | -3.67M | -19.93M | -13.18M | -33.88M | 779K |
| Net Change in Cash | -12.58M▲ 0% | 159.68M▲ 1369.3% | 141.29M▼ 11.5% | -196.24M▼ 238.9% | -71.41M▲ 63.6% | 53.43M▲ 174.8% | -30.9M▼ 157.8% | -21.25M▲ 0% |
| Free Cash Flow | -42.77M▲ 0% | -40.29M▲ 5.8% | -32.66M▲ 19.0% | -38.84M▼ 19.0% | -23.79M▲ 38.7% | 17.4M▲ 173.1% | 41.36M▲ 137.7% | 44.22M▲ 0% |
| FCF Margin % | -58.16% | -35.93% | -21.46% | -19.02% | -8.98% | 5.21% | 9.32% | 9.37% |
| FCF Growth % | - | 5.8% | 18.95% | -18.95% | 38.75% | 173.14% | 137.7% | 732.69% |
| FCF per Share | -0.51 | -0.48 | -0.36 | -0.43 | -0.25 | 0.18 | 0.40 | 0.40 |
| FCF Conversion (FCF/Net Income) | 0.93x | 0.74x | 0.62x | 0.64x | 0.28x | -0.46x | -0.90x | -0.89x |
| Interest Paid | 0 | 352K | 1.1M | 3.61M | 7.06M | 283K | 0 | 0 |
| Taxes Paid | 0 | 67K | 32K | 249K | 332K | 375K | 0 | 0 |
Alkami Technology, Inc. (ALKT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -52.84% | -17.86% | -17.27% | -19.09% | -11.98% | -13.25% | -13.96% |
| Return on Invested Capital (ROIC) | -130.01% | -65.37% | -27.01% | -15.1% | -11.45% | -8.62% | -8.62% |
| Gross Margin | 52.75% | 55.08% | 53.03% | 54.42% | 58.9% | 57.84% | 57.42% |
| Net Margin | -45.79% | -30.77% | -28.69% | -23.76% | -12.23% | -10.74% | -10.55% |
| Debt / Equity | 0.14x | 0.07x | 0.31x | 0.06x | 0.05x | 0.98x | 0.98x |
| Interest Coverage | -104.02x | -38.33x | -14.34x | -7.51x | -86.91x | -5.22x | -3.73x |
| FCF Conversion | 0.74x | 0.62x | 0.64x | 0.28x | -0.46x | -0.90x | -0.89x |
| Revenue Growth | 52.49% | 35.68% | 34.25% | 29.65% | 26.06% | 32.89% | 32.73% |
Alkami Technology, Inc. (ALKT) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 29, 2026·SEC
Apr 1, 2026·SEC
Feb 25, 2026·SEC
Alkami Technology, Inc. (ALKT) stock FAQ — growth, dividends, profitability & financials explained
Alkami Technology, Inc. (ALKT) reported $471.9M in revenue for fiscal year 2025. This represents a 542% increase from $73.5M in 2019.
Alkami Technology, Inc. (ALKT) grew revenue by 32.9% over the past year. This is strong growth.
Alkami Technology, Inc. (ALKT) reported a net loss of $49.8M for fiscal year 2025.
Alkami Technology, Inc. (ALKT) has a return on equity (ROE) of -13.3%. Negative ROE indicates the company is unprofitable.
Alkami Technology, Inc. (ALKT) generated $44.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
Alkami Technology, Inc. (ALKT) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates