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

ALKT•NASDAQ
Price updated Jun 19, 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%

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 20 (bottom 20%)
  • ✗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.

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ALKT Price & Volume

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

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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
Metric
Actual
Est
EPS
$0.04-81.0%
$0.21
Rev
$126M+0.7%
$125M
Q1 2026
Feb 25, 2026
Metric
Actual
Est
EPS
$0.10-33.3%
$0.15
Rev
$121M+0.6%
$120M
Q4 2025
Oct 30, 2025
Metric
Actual
Est
EPS
$0.13-13.3%
$0.15
Rev
$113M-6.0%
$120M
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$0.13+44.4%
$0.09
Rev
$112M-3.4%
$116M
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
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
NCNO logoNCNOnCino, Inc.Direct Competitor1.62B14.8029610.01%2.17%1.27%0.26
IBCP logoIBCPIndependent Bank CorporationDirect Competitor706.3M34.3110.49-0.3%22.12%14.2%0.23
FIS logoFISFidelity National Information Services, Inc.Product Competitor19.75B38.2150.955.43%22.91%18.45%0.29
FISV logoFISVFiserv, Inc.Product Competitor25.59B47.867.553.6%15.17%12.43%1.13
JKHY logoJKHYJack Henry & Associates, Inc.Product Competitor9.14B126.2320.237.21%20.64%24.03%
CSL logoCSLCarlisle Companies IncorporatedProduct Competitor14.76B360.9621.080.33%14.57%34.48%1.60
OPEN logoOPENOpendoor Technologies Inc.Product Competitor3.43B4.47-2.63-15.18%-35.25%-163.25%0.19
MSFT logoMSFTMicrosoft CorporationSupply Chain2.82T379.4027.8214.93%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
MetricDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Sales/Revenue
73.54M112.14M152.16M204.27M264.83M333.85M443.64M471.94M
Revenue Growth %
-52.49%35.68%34.25%29.65%26.06%32.89%32.73%
Cost of Goods Sold
43.11M52.99M68.35M95.95M120.72M137.22M187.04M200.94M
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
72.97M94.26M126.72M178.54M207.82M241.26M310.24M314.95M
OpEx % of Revenue
99.22%84.05%83.28%87.4%78.47%72.27%69.93%-
Selling, General & Admin
40.25M53.12M77.92M108.06M121.46M143.41M181.03M186.23M
SG&A % of Revenue
54.73%47.37%51.21%52.9%45.86%42.96%40.81%-
Research & Development
32.72M40.21M48.8M69.33M84.66M96.21M118.4M122.51M
R&D % of Revenue
44.49%35.86%32.07%33.94%31.97%28.82%26.69%-
Other Operating Expenses
0930K01.16M1.7M1.63M10.81M3M
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 Income
157K-434K-699K-1.15M711K4.1M-5.33M-7.13M
Interest Income
267K55K487K2.7M8.1M4.56M4.16M3.83M
Interest Expense
110K489K1.19M3.85M7.38M461K9.49M10.95M
Other Income/Expense
666K-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 Tax
00172K-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 Operations
00000000
Minority Interest
00000000
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
84.04M84.04M89.95M90.96M94.08M98.89M103.9M106.39M
Basic Shares Outstanding
84.04M84.04M89.95M90.96M94.08M98.89M103.9M106.39M
Dividend Payout Ratio
--------

ALKT Balance Sheet

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

MetricDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Current Assets
28.33M188.49M345.16M242.16M148.59M181.38M187.22M169.54M
Cash & Short-Term Investments
11.98M166.79M308.58M196.35M92.12M115.73M99.09M77.65M
Cash Only
11.98M166.79M308.58M108.72M40.93M94.36M63.46M40.41M
Short-Term Investments
00087.64M51.2M21.38M35.63M37.23M
Accounts Receivable
9.81M14.1M20.82M26.25M35.5M38.74M51.49M51.44M
Days Sales Outstanding
48.6745.949.9546.948.9342.3542.3738.92
Inventory
3.79M0000000
Days Inventory Outstanding
32.13-------
Other Current Assets
2.74M7.6M6.27M19.56M20.96M26.9M36.63M40.45M
Total Non-Current Assets
24.41M60.67M91.35M246.72M251.24M255.9M660.01M659.8M
Property, Plant & Equipment
11.33M10.46M11.83M28.23M32.7M36.64M40.11M45.66M
Fixed Asset Turnover
6.49x10.72x12.86x7.24x8.10x9.11x11.06x11.55x
Goodwill
016.22M48.09M148.02M148.05M148.05M403.4M403.4M
Intangible Assets
25K8.27M11.16M42.59M35.81M29.02M158.94M152.32M
Long-Term Investments
00-85K500K0000
Other Non-Current Assets
13.05M25.73M20.27M12.12M34.68M42.19M57.55M58.41M
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
1.39x0.45x0.35x0.42x0.66x0.76x0.52x0.56x
Asset Growth %
-372.5%75.19%12%-18.22%9.37%93.75%298.73%
Total Current Liabilities
18.45M20.48M33.2M41.61M39.43M45.57M89.55M73.76M
Accounts Payable
354K360K3.65M4.29M7.48M6.13M5.84M4.04M
Days Payables Outstanding
32.4819.4916.3222.6116.311.410.83
Short-Term Debt
11K313K1.56M3.19M001.58M2.18M
Deferred Revenue (Current)
5.8M6.12M8.2M8.84M10.98M13.58M34.77M127.08M
Other Current Liabilities
12.28M13.7M4.16M4.61M1.34M1.2M47.36M33.54M
Current Ratio
1.54x9.20x10.40x5.82x3.77x3.98x2.09x2.30x
Quick Ratio
1.33x9.20x10.40x5.82x3.77x3.98x2.09x2.30x
Cash Conversion Cycle
77.8------28.09
Total Non-Current Liabilities
19.65M48.94M58.7M113.22M35.45M34.68M395.63M384.93M
Long-Term Debt
024.57M23.05M81.39M00351.97M356.03M
Capital Lease Obligations
00015.82M18.05M17.11M032.66M
Deferred Tax Liabilities
0085K1.71M1.71M1.82M2.63M10.32M
Other Non-Current Liabilities
6.12M9.95M21.69M400K305K220K41.04M242K
Total Liabilities
38.09M69.43M91.9M154.84M74.88M80.25M485.18M458.69M
Total Debt
11K24.88M24.62M104.05M19.26M18.45M353.55M358.21M
Net Debt
-11.97M-141.91M-283.96M-4.67M-21.67M-75.91M290.09M317.8M
Debt / Equity
0.00x0.14x0.07x0.31x0.06x0.05x0.98x0.97x
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
0.172.143.833.673.453.613.483.48
Total Shareholders' Equity
14.64M179.74M344.61M334.05M324.94M357.03M362.05M370.65M
Common Stock
5K5K90K92K97K102K106K107K
Retained Earnings
-195.73M-263.53M-313.85M-372.45M-435.37M-476.2M-523.85M-533.82M
Treasury Stock
00000000
Accumulated OCI
00-436.51M00000
Minority Interest
00000000

ALKT Cash Flow Statement

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

MetricDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations
-39.09M-38.15M-28.96M-37.79M-17.5M18.6M42.91M45.67M
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
2.23M2.77M3.44M8.07M10.63M10.51M26.91M31.61M
Stock-Based Compensation
1.25M1.95M14.54M051.23M59.44M76.19M77.41M
Deferred Taxes
-509K15.82M85K-690K-32K109K-11.79M-3.15M
Other Non-Cash Items
43K61K3.08M29.88M-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 Payables
4M3.07M6.83M-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 Revenue
5.02%1.91%0.74%2.3%0.4%0.36%0.35%0.55%
Acquisitions
0-25.07M-18.33M-131.84M00-375.5M0
Investments
--------
Other Investing
00-2.58M0-5.23M-6.66M-7.15M-6.73M
Cash from Financing
30.19M225.05M192.27M61.18M-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 Paid
00-4.97M00000
Share Repurchases
0-14.54M-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
-0.51-0.48-0.36-0.43-0.250.180.400.42
FCF Conversion (FCF/Net Income)
0.93x0.74x0.62x0.64x0.28x-0.46x-0.90x-0.89x
Interest Paid
0352K1.1M3.61M7.06M283K00
Taxes Paid
067K32K249K332K375K00

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%-4.87%
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
0.14x0.07x0.31x0.06x0.05x0.98x0.97x
Interest Coverage
-104.02x-38.33x-14.34x-7.51x-86.91x-5.22x-3.73x
FCF Conversion
0.74x0.62x0.64x0.28x-0.46x-0.90x-0.89x
Revenue Growth
52.49%35.68%34.25%29.65%26.06%32.89%32.73%
Related:ALKT Dividend History·ALKT Revenue History·ALKT Price History·ALKT P/E History·ALKT Financial Ratios·ALKT Institutional Holders

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.

What if you invested $1,000 in ALKT back in 2019?

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