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ALKT logoAlkami Technology, Inc.(ALKT)Earnings, Financials & Key Ratios

ALKT•NASDAQ
$16.75
$1.79B mkt cap·Price updated May 6, 2026
SectorTechnologyIndustryApplication SoftwareSub-IndustryFinancial services and insurance software
AboutAlkami Technology, Inc. offers a cloud-based digital banking platform in the United States. The company's platform allows financial institutions to onboard and engage new users, accelerate revenues, and enhance operational efficiency, with the support of a proprietary, cloud-based, multi-tenant architecture. It offers an end- to- end set of software products, which include Alkami Platform, Retail Banking Solutions, Business Banking Solutions, and The Alkami Difference. It serves community, regional, credit unions, and retail and business banking. Alkami Technology, Inc. was founded in 2009 and is headquartered in Plano, Texas.Show more
  • Revenue$444M+32.9%
  • EBITDA-$27M+21.7%
  • Net Income-$48M-16.7%
  • EPS (Diluted)-0.46-12.2%
  • Gross Margin57.84%-1.8%
  • EBITDA Margin-6.02%+41.1%
  • Operating Margin-12.09%+9.6%
  • Net Margin-10.74%+12.2%
  • ROE-13.25%-10.7%
  • ROIC-8.62%+24.7%
  • Debt/Equity0.98+1789.5%
  • Interest Coverage-5.22+94.0%
Technical→

ALKT Key Insights

Alkami Technology, Inc. (ALKT) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y sales CAGR of 31.7%

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9
  • ✗Weak momentum: RS Rating 19 (bottom 19%)
  • ✗Trading more than 30% below 52-week high

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

ALKT Price & Volume

Alkami Technology, Inc. (ALKT) stock price & volume — 10-year historical chart

Loading chart...

ALKT Growth Metrics

Alkami Technology, Inc. (ALKT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years31.66%
3 Years29.5%
TTM32.73%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-33.8%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-25.66%

Return on Capital

10 Years-31.12%
5 Years-13.41%
3 Years-12.33%
Last Year-9.33%

ALKT Recent Earnings

Alkami Technology, Inc. (ALKT) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (67%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 29, 2026
EPS
$0.04
Est $0.21
-81.0%
Revenue
$126M
Est $125M
+0.7%
Q1 2026
Feb 25, 2026
EPS
$0.10
Est $0.15
-33.3%
Revenue
$121M
Est $120M
+0.6%
Q4 2025
Oct 30, 2025
EPS
$0.13
Est $0.15
-13.3%
Revenue
$113M
Est $120M
-6.0%
Q3 2025
Jul 30, 2025
EPS
$0.13
Est $0.09
+44.4%
Revenue
$112M
Est $116M
-3.4%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.04vs $0.21-81.0%
$126Mvs $125M+0.7%
Q1 2026Feb 25, 2026
$0.10vs $0.15-33.3%
$121Mvs $120M+0.6%
Q4 2025Oct 30, 2025
$0.13vs $0.15-13.3%
$113Mvs $120M-6.0%
Q3 2025Jul 30, 2025
$0.13vs $0.09+44.4%
$112Mvs $116M-3.4%
Based on last 12 quarters of dataView full earnings history →

ALKT Peer Comparison

Alkami Technology, Inc. (ALKT) competitors in Financial services and insurance software — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NCNO logoNCNOnCino, Inc.Direct Competitor2.07B17.44-52.8513.45%-3.71%-2.07%0.22
IBCP logoIBCPIndependent Bank CorporationDirect Competitor696.01M33.8110.34-0.3%14.2%0.23
FIS logoFISFidelity National Information Services, Inc.Product Competitor23.81B45.9761.295.43%3.51%2.75%0.29
FISV logoFISVFiserv, Inc.Product Competitor30.01B56.118.853.6%15.17%12.43%1.13
JKHY logoJKHYJack Henry & Associates, Inc.Product Competitor10.34B142.8822.907.21%20.59%23.75%
CSL logoCSLCarlisle Companies IncorporatedProduct Competitor15.29B373.9621.840.33%14.57%34.48%1.60
OPEN logoOPENOpendoor Technologies Inc.Product Competitor5.19B5.44-3.20-15.18%-29.74%-129.35%0.19
MSFT logoMSFTMicrosoft CorporationSupply Chain3.07T413.8730.3414.93%39.34%33.13%0.33

Compare ALKT vs Peers

Alkami Technology, Inc. (ALKT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NCNO

Most directly comparable listed peer for ALKT.

Scale Benchmark

vs MSFT

Larger-name benchmark to compare ALKT against a more recognizable public peer.

Peer Set

Compare Top 5

vs NCNO, IBCP, FIS, FISV

ALKT Income Statement

Alkami Technology, Inc. (ALKT) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Sales/Revenue73.54M112.14M152.16M204.27M264.83M333.85M443.64M471.94M
Revenue Growth %-52.49%35.68%34.25%29.65%26.06%32.89%32.73%
Cost of Goods Sold43.11M52.99M68.35M95.95M120.72M137.22M187.04M200.94M
COGS % of Revenue58.61%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 Expenses72.97M94.26M126.72M178.54M207.82M241.26M310.24M314.95M
OpEx % of Revenue99.22%84.05%83.28%87.4%78.47%72.27%69.93%-
Selling, General & Admin40.25M53.12M77.92M108.06M121.46M143.41M181.03M186.23M
SG&A % of Revenue54.73%47.37%51.21%52.9%45.86%42.96%40.81%-
Research & Development32.72M40.21M48.8M69.33M84.66M96.21M118.4M122.51M
R&D % of Revenue44.49%35.86%32.07%33.94%31.97%28.82%26.69%-
Other Operating Expenses0930K01.16M1.7M1.63M10.81M3M
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)2.23M2.77M3.44M8.07M10.63M10.51M26.91M31.55M
EBIT-41.76M-50.87M-45.46M-55.21M-55.48M-40.07M-49.48M-40.88M
Net Interest Income157K-434K-699K-1.15M711K4.1M-5.33M-7.13M
Interest Income267K55K487K2.7M8.1M4.56M4.16M3.83M
Interest Expense110K489K1.19M3.85M7.38M461K9.49M10.95M
Other Income/Expense666K-16.25M-3.73M11.16M836K4.1M-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 Tax00172K-461K44K308K-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 Operations00000000
Minority Interest00000000
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 Outstanding84.04M84.04M89.95M90.96M94.08M98.89M103.9M106.39M
Basic Shares Outstanding84.04M84.04M89.95M90.96M94.08M98.89M103.9M106.39M
Dividend Payout Ratio--------

ALKT Balance Sheet

Alkami Technology, Inc. (ALKT) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Current Assets28.33M188.49M345.16M242.16M148.59M181.38M187.22M169.54M
Cash & Short-Term Investments11.98M166.79M308.58M196.35M92.12M115.73M99.09M77.65M
Cash Only11.98M166.79M308.58M108.72M40.93M94.36M63.46M40.41M
Short-Term Investments00087.64M51.2M21.38M35.63M37.23M
Accounts Receivable9.81M14.1M20.82M26.25M35.5M38.74M51.49M51.44M
Days Sales Outstanding48.6745.949.9546.948.9342.3542.3738.92
Inventory3.79M0000000
Days Inventory Outstanding32.13-------
Other Current Assets2.74M7.6M6.27M19.56M20.96M26.9M36.63M40.45M
Total Non-Current Assets24.41M60.67M91.35M246.72M251.24M255.9M660.01M659.8M
Property, Plant & Equipment11.33M10.46M11.83M28.23M32.7M36.64M40.11M45.66M
Fixed Asset Turnover6.49x10.72x12.86x7.24x8.10x9.11x11.06x11.55x
Goodwill016.22M48.09M148.02M148.05M148.05M403.4M403.4M
Intangible Assets25K8.27M11.16M42.59M35.81M29.02M158.94M152.32M
Long-Term Investments00-85K500K0000
Other Non-Current Assets13.05M25.73M20.27M12.12M34.68M42.19M57.55M216.17M
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 Turnover1.39x0.45x0.35x0.42x0.66x0.76x0.52x0.56x
Asset Growth %-372.5%75.19%12%-18.22%9.37%93.75%298.73%
Total Current Liabilities18.45M20.48M33.2M41.61M39.43M45.57M89.55M73.76M
Accounts Payable354K360K3.65M4.29M7.48M6.13M5.84M4.04M
Days Payables Outstanding32.4819.4916.3222.6116.311.410.83
Short-Term Debt11K313K1.56M3.19M001.58M2.18M
Deferred Revenue (Current)5.8M6.12M8.2M8.84M10.98M13.58M34.77M127.08M
Other Current Liabilities12.28M13.7M4.16M4.61M1.34M1.2M47.36M33.54M
Current Ratio1.54x9.20x10.40x5.82x3.77x3.98x2.09x2.09x
Quick Ratio1.33x9.20x10.40x5.82x3.77x3.98x2.09x2.09x
Cash Conversion Cycle77.8------28.09
Total Non-Current Liabilities19.65M48.94M58.7M113.22M35.45M34.68M395.63M384.93M
Long-Term Debt024.57M23.05M81.39M00351.97M356.03M
Capital Lease Obligations00015.82M18.05M17.11M032.66M
Deferred Tax Liabilities0085K1.71M1.71M1.82M2.63M10.32M
Other Non-Current Liabilities6.12M9.95M21.69M400K305K220K41.04M41.74M
Total Liabilities38.09M69.43M91.9M154.84M74.88M80.25M485.18M458.69M
Total Debt11K24.88M24.62M104.05M19.26M18.45M353.55M358.21M
Net Debt-11.97M-141.91M-283.96M-4.67M-21.67M-75.91M290.09M317.8M
Debt / Equity0.00x0.14x0.07x0.31x0.06x0.05x0.98x0.98x
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 Share0.172.143.833.673.453.613.483.48
Total Shareholders' Equity14.64M179.74M344.61M334.05M324.94M357.03M362.05M370.65M
Common Stock5K5K90K92K97K102K106K107K
Retained Earnings-195.73M-263.53M-313.85M-372.45M-435.37M-476.2M-523.85M-533.82M
Treasury Stock00000000
Accumulated OCI00-436.51M00000
Minority Interest00000000

ALKT Cash Flow Statement

Alkami Technology, Inc. (ALKT) cash flow — operating, investing & free cash flow history

Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations-39.09M-38.15M-28.96M-37.79M-17.5M18.6M42.91M42.91M
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 & Amortization2.23M2.77M3.44M8.07M10.63M10.51M26.91M31.61M
Stock-Based Compensation1.25M1.95M14.54M051.23M59.44M76.19M77.41M
Deferred Taxes-509K15.82M85K-690K-32K109K-11.79M-3.15M
Other Non-Cash Items43K61K3.08M29.88M-3.59M-865K2.75M3.55M
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-3.07M000000
Change in Payables4M3.07M6.83M-1.37M91K3.32M19.71M5.97M
Cash from Investing-3.69M-27.22M-22.02M-224.01M33.91M23.04M-397.59M-12.4M
Capital Expenditures-3.69M-2.15M-1.12M-4.7M-1.06M-1.2M-1.54M-2.6M
CapEx % of Revenue5.02%1.91%0.74%2.3%0.4%0.36%0.35%-
Acquisitions0-25.07M-18.33M-131.84M00-375.5M0
Investments--------
Other Investing00-2.58M0-5.23M-6.66M-7.15M-6.73M
Cash from Financing30.19M225.05M192.27M61.18M-87.82M11.79M323.79M-54.52M
Debt Issued (Net)024.99M-313K59.54M-85M0348.62M-63.8M
Equity Issued (Net)30.31M199.36M189.31M5.3M17.11M24.98M9.05M8.5M
Dividends Paid00-4.97M00000
Share Repurchases0-14.54M-3.5M00000
Other Financing-112K697K8.24M-3.67M-19.93M-13.18M-33.88M779K
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-0.51-0.48-0.36-0.43-0.250.180.400.40
FCF Conversion (FCF/Net Income)0.93x0.74x0.62x0.64x0.28x-0.46x-0.90x-0.89x
Interest Paid0352K1.1M3.61M7.06M283K00
Taxes Paid067K32K249K332K375K00

ALKT Key Ratios

Alkami Technology, Inc. (ALKT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric202020212022202320242025TTM
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 Margin52.75%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 / Equity0.14x0.07x0.31x0.06x0.05x0.98x0.98x
Interest Coverage-104.02x-38.33x-14.34x-7.51x-86.91x-5.22x-3.73x
FCF Conversion0.74x0.62x0.64x0.28x-0.46x-0.90x-0.89x
Revenue Growth52.49%35.68%34.25%29.65%26.06%32.89%32.73%

ALKT SEC Filings & Documents

Alkami Technology, Inc. (ALKT) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 29, 2026·SEC

Material company update

Apr 1, 2026·SEC

Material company update

Feb 25, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 26, 2026·SEC

FY 2025

Feb 28, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Apr 30, 2026·SEC

FY 2025

Oct 31, 2025·SEC

FY 2025

Jul 31, 2025·SEC

ALKT Frequently Asked Questions

Alkami Technology, Inc. (ALKT) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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.

Dividend & Returns

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.

Explore More ALKT

Alkami Technology, Inc. (ALKT) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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