ALKT

Company Overview — What Does ALKAMI TECHNOLOGY, INC. Do?

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. ALKAMI TECHNOLOGY, INC. (ALKT) is classified as a small-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Alex P. Shootman and employs approximately 850 people. With a market capitalization of $1.7B, ALKT is one of the notable companies in the Technology sector.

ALKAMI TECHNOLOGY, INC. (ALKT) Stock Rating — Reduce (April 2026)

As of April 2026, ALKAMI TECHNOLOGY, INC. receives a Reduce rating with a composite score of 31.8/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.ALKT ranks #3,402 out of 4,446 stocks in our coverage universe. Within the Technology sector, ALKAMI TECHNOLOGY, INC. ranks #399 of 584 stocks, placing it in the lower half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

ALKT Stock Price and 52-Week Range

ALKAMI TECHNOLOGY, INC. (ALKT) currently trades at $16.13. The stock gained $0.46 (2.9%) in the most recent trading session. The 52-week high for ALKT is $31.66, which means the stock is currently trading -49.1% from its annual peak. The 52-week low is $14.11, putting the stock 14.3% above its annual trough. Recent trading volume was 1.3M shares, reflecting moderate market activity.

Is ALKT Overvalued or Undervalued? — Valuation Analysis

ALKAMI TECHNOLOGY, INC. (ALKT) carries a value factor score of 30/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 4.95x, versus the sector average of 3.16x. The price-to-sales ratio is 4.39x, compared to 1.06x for the average Technology stock.

At current multiples, ALKAMI TECHNOLOGY, INC. trades at a premium to most Technology peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

ALKAMI TECHNOLOGY, INC. Profitability — ROE, Margins, and Quality Score

ALKAMI TECHNOLOGY, INC. (ALKT) earns a quality factor score of 34/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -12.6%, compared to the Technology sector average of -1.4%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -5.4% versus the sector average of -1.0%.

On a margin basis, ALKAMI TECHNOLOGY, INC. reports gross margins of 58.3%, compared to 50.9% for the sector. The operating margin is -13.4% (sector: -0.5%). Net profit margin stands at -11.1%, versus -1.5% for the average Technology stock. Revenue growth is running at 37.5% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

ALKT Debt, Balance Sheet, and Financial Health

ALKAMI TECHNOLOGY, INC. has a debt-to-equity ratio of 134.0%, compared to the Technology sector average of 43.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 2.09x, indicating strong short-term liquidity. Total debt on the balance sheet is $377M. Cash and equivalents stand at $57M.

ALKT has a beta of 1.26, meaning it is more volatile than the broader market — a $10,000 investment in ALKT would be expected to move 26.0% more than the S&P 500 on any given day. The stability factor score for ALKAMI TECHNOLOGY, INC. is 47/100, reflecting average volatility within the normal range for its sector.

ALKAMI TECHNOLOGY, INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, ALKAMI TECHNOLOGY, INC. reported revenue of $409M and earnings per share (EPS) of $-0.46. Net income for the quarter was $-46M. Gross margin was 58.3%. Operating income came in at $-55M.

In FY 2025, ALKAMI TECHNOLOGY, INC. reported revenue of $444M and earnings per share (EPS) of $-0.46. Net income for the quarter was $-48M. Gross margin was 57.8%. Revenue grew 32.9% year-over-year compared to FY 2024. Operating income came in at $-54M.

In Q3 2025, ALKAMI TECHNOLOGY, INC. reported revenue of $113M and earnings per share (EPS) of $-0.14. Net income for the quarter was $-15M. Gross margin was 56.8%. Revenue grew 31.5% year-over-year compared to Q3 2024. Operating income came in at $-13M.

In Q2 2025, ALKAMI TECHNOLOGY, INC. reported revenue of $112M and earnings per share (EPS) of $-0.13. Net income for the quarter was $-14M. Gross margin was 58.6%. Revenue grew 36.4% year-over-year compared to Q2 2024. Operating income came in at $-16M.

Over the past 8 quarters, ALKAMI TECHNOLOGY, INC. has demonstrated a growth trajectory, with revenue expanding from $82M to $409M. Investors analyzing ALKT stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

ALKT Dividend Yield and Income Analysis

ALKAMI TECHNOLOGY, INC. (ALKT) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.

ALKT Momentum and Technical Analysis Profile

ALKAMI TECHNOLOGY, INC. (ALKT) has a momentum factor score of 19/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 23/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 53/100 reflects moderate short selling activity.

ALKT vs Competitors — Technology Sector Ranking and Peer Comparison

Within the Technology sector, ALKAMI TECHNOLOGY, INC. (ALKT) ranks #399 out of 584 stocks based on the Blank Capital composite score. This places ALKT in the lower half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.

Comparing ALKT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ALKT vs S&P 500 (SPY) comparison to assess how ALKAMI TECHNOLOGY, INC. stacks up against the broader market across all factor dimensions.

ALKT Next Earnings Date

No upcoming earnings date has been announced for ALKAMI TECHNOLOGY, INC. (ALKT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy ALKT? — Investment Thesis Summary

The quantitative profile for ALKAMI TECHNOLOGY, INC. suggests caution. The quality score of 34/100 flags below-average profitability. The value score of 30/100 indicates premium valuation. Momentum is weak at 19/100, a headwind for near-term performance.

In summary, ALKAMI TECHNOLOGY, INC. (ALKT) earns a Reduce rating with a composite score of 31.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ALKT stock.

Related Resources for ALKT Investors

Explore more research and tools: ALKT vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ALKT head-to-head with peers: ALKT vs IHS, ALKT vs VRSN, ALKT vs ESE.