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ALKAMI TECHNOLOGY, INC.

ALKT

$19.71 ▲ +0.04 (+0.20%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Poor

Bearish

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Analytical Summary

ALKAMI TECHNOLOGY, INC. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $2.0B

Dividend Yield —

Revenue Growth 32.9% ↗

Op. Margin -12.1% ↗

ROIC -12.0% ↗

FCF / Share $0.40 ↗

Trailing P/E —

Price / Book 5.8x

FCF Yield 2.0%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$443.64M

↑ +32.9% —

Net Income Profit after all expenses

$-47.65M

↓ -16.7% —

Operating Margin Operating profit as % of sales

-12.1%

↑ +9.6% 14th

FCF / Share Free cash flow per share

$0.40

↑ +126.3% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↑

Returns →

Financial Health ↑

Cash Quality

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	32.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+174%)	26.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+117%)	29.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+147%)	34.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+185%)	35.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+197%)	52.5% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+337%)	—	—
EPS Growth YoY (%)	-12.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	38.8% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	12.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	93.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-18.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-16.7% Weak ↓ Weak Declining Year-over-year change in net income	35.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-7.4% Weak ↑ Weak Improving Year-over-year change in net income	-25.2% Weak ↓ Weak Declining Year-over-year change in net income	8.8% Fair Fair Year-over-year change in net income	-22.7% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	126.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	N/M	54.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	7.8% Fair ↓ Fair Declining Year-over-year change in free cash flow	94.4% Excellent Excellent Year-over-year change in free cash flow	14.9% Fair Fair Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	29.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	33.2% Excellent Excellent Compound annual revenue growth over 3 years	40.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	31.7% Excellent Excellent Compound annual revenue growth over 5 years	35.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	-12.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-160%)	-13.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-167%)	-24.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-220%)	-28.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-241%)	-28.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-241%)	-31.3% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-257%)	-57.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-389%)	—
Effective Tax Rate (%) (%)	19.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	-10.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-172%)	-12.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-182%)	-23.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-258%)	-28.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-291%)	-30.8% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-305%)	-45.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-405%)	-56.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-480%)	—
FCF Margin (%) (%)	9.3% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-7.0% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-19.1% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-19.8% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	-35.9% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-58.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	-0.87x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.43x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.30x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.67x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.64x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.78x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	1.02x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	-12.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-12.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-19.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-13.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-11.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	11.6% Good Good Return earned on debt + equity capital invested Optimal: > 10%	17.2% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-6.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-10.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-15.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-11.8% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-9.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	-14.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	-13.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-171%)	-11.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-162%)	-19.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-205%)	-17.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-195%)	-13.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-173%)	19.5% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+5%)	21.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+16%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.25x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-44%)	0.07x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-84%)	-0.09x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-121%)	—	—
Interest Coverage (x)	-9.03x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-157.69x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-8.63x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-14.98x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-36.19x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-71.79x Weak Weak Operating income divided by interest expense Optimal: > 5x	-386.68x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-63.46M	$-94.36M	$-40.93M	$-24.14M	$-283.96M	$-141.91M	—	—
Debt / EBITDA (x)	—	—	0.00x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.70x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.62x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.77x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$4.27	$3.38	$2.81	$2.25	$2.36	$23.32	$16.92	—
Basic EPS, GAAP (USD)	$-0.46	$-0.41	$-0.67	$-0.64	$-0.73	$-11.78	$-9.91	—
Free Cash Flow per Share (USD)	$0.40	$0.18	$-0.20	$-0.43	$-0.47	$-8.38	$-9.84	—
Book Value per Share (USD)	$3.41	$3.50	$3.36	$3.63	$3.83	$-53.68	$-44.95	—
Tangible Book Value per Share (USD)	$-1.89	$1.76	$1.46	$1.56	$3.17	$-58.66	$-44.95	—
Basic Weighted Avg Shares (shares)	103.90M	98.89M	94.08M	90.96M	64.51M	4.81M	4.35M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$97.67M	$135.81M	$109.16M	$200.55M	$311.96M	$172.75M	—	—
LT Debt (USD)	—	—	$0.00	$84.58M	$24.62M	$24.88M	—	—
Total Equity (USD)	$362.05M	$357.03M	$324.94M	$334.05M	$344.61M	$-263.52M	$-195.39M	$-153.86M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$443.64M	$333.85M	$264.83M	$204.27M	$152.16M	$112.14M	$73.54M	—
Depreciation Expense (USD)	$26.91M	$10.51M	$10.63M	$8.07M	$3.44M	$2.77M	$2.23M	—
Net Income, GAAP (USD)	$-47.65M	$-40.84M	$-62.91M	$-58.60M	$-46.82M	$-51.35M	$-41.87M	—
Operating Cash Flow (USD)	$42.91M	$18.60M	$-17.50M	$-38.05M	$-28.96M	$-38.15M	$-39.09M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 28 quarters

ALKAMI TECHNOLOGY, INC.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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