Alkami Technology, Inc.
$16.62
-12%Alkami 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.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
Medium confidenceValuation multiple is compressed (P/E -36.1).
Valuation inputs: P/E -36.1, earnings yield N/A, momentum -12.3%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE -13.2%, ROIC -5.7%).
Profitability stack: net margin -10.7%, ROE -13.2%, ROIC -5.7%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +57.3%, momentum -12.3%, net margin -10.7%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Alkami Technology, Inc. Market vs Earnings Trajectory
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Alkami Technology, Inc. Fair Value Envelope
Alkami Technology, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Operating losses indicate the core business is unprofitable. Requires restructuring or revenue growth.
Net Profit Margin
Net losses indicate the company is burning cash. Sustainability depends on path to profitability.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Alkami Technology, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Alkami Technology, Inc. Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
Debt-to-Equity Ratio
Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Alkami Technology, Inc. Street Expectations Map
Wall Street analysts project that ALKT stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 22.00, with estimates ranging from a low of 22.00 to a high of 22.00.
The consensus 1-year price target stands at 22.00, with estimates ranging from a low of 22.00 to a high of 22.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.
Alkami Technology, Inc. Insider Positioning
During the last 12 months, insiders have purchased $258.54M and sold $5.32M worth of ALKT shares, resulting in $253.22M of net buying activity.
3 Months
14.8M
254.75M
10.9K
180.43K
+254.6M
+$254.57M
3-6 Months
0
0.00
56.7K
1.17M
-1.2M
-$1.17M
6-9 Months
45.0K
875.25K
52.2K
1.29M
-415K
-$415K
9-12 Months
129.4K
2.92M
106.6K
2.67M
+245K
+$245K
Top Buyers
General Atlantic Genpar (Bermuda), L.P.
Director, 10 Percent Owner:
$130.24M
General Atlantic, L.P.
Director, 10 Percent Owner:
$127.32M
Shootman Alex
Director, Officer: Chief Executive Officer
$875K
Payne Joseph P.
Director
$100K
Top Sellers
Shootman Alex
Director, Officer: Chief Executive Officer
$4.11M
Hill W Bryan
Officer: Chief Financial Officer
$504K
Linebarger Douglas A.
Officer: Chief Legal Officer
$464K
Sachdeva Prerna
Officer: Chief Accounting Officer
$119K
Hudson Cassandra
Officer: Chief Financial Officer
$116K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $253.22M net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider sellers vs. 4 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
alkt Dividend History
Learning Layer
Related Guides
Build conviction on ALKT by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.