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- **Record Growth**: Q4 revenue $120.8M (+35% YoY), full-year $433.6M (+33% YoY). Adjusted EBITDA $59.1M, doubling 2024. 
- **Client Expansion**: 39 new digital banking logos annually, MANTL 161 live clients. 45 clients now use all DSSP products. 
- **AI and Efficiency**: AI agents boost developer productivity 18%, Code Studio cuts implementation time 90%. 
- **2026 Outlook**: 18.5-19.6% revenue growth, EBITDA $93.5-97.5M. Long-term Rule of 45 by 2030. 
- **Risk Factors**: Temporary database costs, 75% decline in termination fees.

**【CEO Summary Section】**
- **Q4 and Full-Year Results**: Revenue grew 35% YoY in Q4, reaching $120.8M, with full-year revenue of $433.6M (33% YoY). Adjusted EBITDA was $19M in Q4 and $59.1M annually, doubling from 2024. 
- **Client Growth**: Added 16 digital banking clients and 33 MANTL clients in Q4, with 39 new digital banking logos annually (best year). MANTL had 161 live clients, 26 of which are digital banking clients. 
- **MANTL Integration**: Q4 was a record activation quarter for MANTL, with 13 new loan platform clients. MANTL's origination platform now powers over 1,000 branches. 
- **DSSP Strategy**: 45 clients (vs. 11 pre-acquisition) now use all three DSSP products, driving a 30% ARR uplift. DSSP wins accounted for 58% of Q2+ digital deals. 
- **AI Advancements**: Segmint (AI engine) was attached to 98% of new logos, and AI agents improved developer productivity by 18% in Q4. Alkami Code Studio, an AI-native SDK, reduces implementation time from months to days. 
- **Bank Market Progress**: 16 banks went live on digital banking in 2025, with 50 under contract. New treasury features aim to improve win rates against legacy cores. 
- **Pipeline and Outlook**: Consistent pipeline with prior years, targeting 900+ credit unions and 1,000 banks. 2026 expects 18.5-19.6% revenue growth, driven by cross-sell and ARPU expansion. 

**【CFO Financial Commentary】**
- **Revenue and Profitability**: Q4 non-GAAP gross margin 63.4%, up 30bps YoY. Full-year gross margin 64.1%, up 140bps. Adjusted EBITDA margin 13.3% annually (vs. 6.3% in 2024). 
- **Backlog and ARR**: $71M ARR in backlog (1.6M digital users), expected to launch within 12 months. ARR exited Q4 at $48M, up 35% YoY. 
- **Cost Management**: Operating expenses 48% of revenue in Q4, up 420bps YoY due to R&D and G&A scaling. Free cash flow $34.2M annually, up from $18.6M. 
- **2026 Guidance**: Revenue $525.5-530.5M (18.5-19.6% growth), EBITDA $93.5-97.5M. Includes 8ppt MANTL contribution and 75% decline in termination fees. 
- **Long-Term Targets**: Rule of 45 by 2030, 70% gross margin, 18-19% EBITDA margin, and 10% stock comp as % of revenue. 

**【Q&A Highlights】**
- **2026 Growth Drivers**: Cross-sell momentum, ARPU growth, and DSSP implementation (delayed 2-3 months but higher LTV). 
- **Bank vs. Credit Union Mix**: Pipeline 50-50, with banks requiring longer implementations due to core integrations. 
- **AI Impact**: Early AI adoption improving productivity (e.g., 29% reduction in engineering tickets). 
- **Margin Pressures**: Temporary database costs (~$2M) in Q4, expected to resolve by end-2026. 
- **Capital Allocation**: Focus on debt repayment, with opportunistic M&A and buybacks under consideration.

Alkami Technology, Inc.(ALKT)-20260226-2025 Q4 Earnings call transcript

- **31% Revenue Growth**: Driven by 10 new clients, including a top 20 credit union, and 29 Mantle clients (15 cross-sold). 
- **Gross Margin Expansion**: 63.7% (100bps YoY), fueled by hosting efficiency and operational scale.
- **Backlog Strength**: $67M ARR backlog, 1.7M digital users, supporting 22% Q4 organic growth.
- **Mantle Integration**: 44 shared clients, 75% data analytics attachment rate, $60M ARR target met ahead of schedule.
- **AI Innovation**: Beta launch of loan origination platform, 3M+ lines of code trained for agentic workflows.

**【CEO Opening Remarks】**
- Announced Cassandra Hudson as new CFO, bringing 20+ years of experience in scaling tech companies.
- Q3 2025 highlights: 31% revenue growth, $16M adjusted EBITDA, 21.6M registered users (11% YoY growth).
- Secured 10 new clients, including a top 20 credit union, and 29 Mantle clients (15 cross-sold with Alkami).
- Product milestones: 13 new digital banking implementations, 15 Mantle implementations, and prototype of agentic code creator.

**【CEO Business Results】**
- Strong sales quarter with 10 new clients, 6 banks (8 integrated with core systems).
- Cross-sell success: 44 shared clients between Alkami and Mantle, up from 15 at acquisition.
- Mantle's loan origination platform in beta, with $4M loans originated by one client.
- 17 clients under contract for integrated digital sales platform, expecting 30% ARR uplift.

**【CFO Financial Commentary】**
- Q3 revenue: $113M (31.5% YoY), subscription revenue 96% of total.
- ARR: $449M (31% YoY), backlog: $67M (1.7M digital users).
- Gross margin: 63.7% (100bps YoY expansion), operating expenses: $56.4M (50% of revenue).
- EBITDA: $16M (14.1% margin), up $2M from expectations.
- Q4 guidance: Revenue $119.6-121.1M (22% organic growth), EBITDA $16.1-17.1M.
- Full year: Revenue $442.5-444M, EBITDA $56-57M (raise of $4M midpoint).

**【Q&A Highlights】**
- Implementation timing: Q4 has 350K+ new users, driving 22% organic growth.
- Competitive shift: Banks moving to best-of-breed platforms, 80% of surveyed FIs view Mantle acquisition positively.
- AI adoption: Clients using generative AI for marketing, 3M+ lines of code trained for agentic workflows.
- Mantle impact: 44 shared clients, 75% attachment rate for data analytics, $60M ARR target met ahead of schedule.
- Risk: 2-3% ARR churn, 3 clients left platform in Q3 (0.1% ARR).

Alkami Technology, Inc. (ALKT) Q3 2025 Earnings Call Transcript

- **Revenue Growth**: 36% YoY to $112.1 million, with 28% organic growth. EBITDA up 159% YoY to $11.9 million.
- **MANTL Integration**: 39 new clients in H1 2025, 14 cross-sells with Alkami. MANTL now sold alongside digital banking in 14% of new deals.
- **Gross Margin Expansion**: 65.1% (up 190bps YoY). India engineering center to reach 175 employees by end-2025.
- **Cross-Sell Success**: 90% of new clients buy data/marketing solutions. MANTL adds 30-40% ARR to new deals.
- **Guidance Update**: Full-year EBITDA raised to $51.5-54 million, up $1.8 million midpoint.
- **M&amp;A Benefits**: 2025 target of 300,000+ users from consolidations. ARR churn <1% in 2025.


**【CEO Summary Section】**
- **Revenue Growth**: Q2 2025 revenue grew 36% YoY to $112.1 million, driven by 28% organic growth. Adjusted EBITDA reached $11.9 million, up 159% YoY.
- **User Expansion**: Registered users increased 12% YoY to 20.9 million, with 2.3 million new users added in Q2.
- **MANTL Integration Success**: MANTL added 39 new clients in H1 2025, including 14 cross-sells with Alkami digital banking clients. MANTL's standalone clients are 70% banks.
- **Cross-Sell Momentum**: 90% of new digital banking clients in H1 2025 also purchased data and marketing solutions. MANTL is now being sold alongside digital banking in 14% of new logo deals.
- **Product Roadmap**: Integrating account opening with digital banking and data analytics to create seamless user experiences for core deposit growth.
- **Sales Team Restructuring**: Alkami and MANTL sales teams unified under Nathaniel Harley to leverage combined platform strength while maintaining MANTL's standalone brand.

**【CFO Financial Commentary】**
- **Revenue Performance**: Q2 ARR of $424 million (+32% YoY), with $68 million implementation backlog. Subscription revenue占95% of total.
- **Gross Margin Expansion**: Non-GAAP gross margin improved 190bps YoY to 65.1%, driven by hosting cost efficiency and operating leverage.
- **Operating Expenses**: Q2 OpEx of $61.5 million (54.8% of revenue) showed 340bps YoY leverage. India-based engineering center expanded to 70 employees (target 175 by end-2025).
- **Churn Management**: 2025 expected churn of 4 clients (<1% ARR). M&amp;A activity netted 300,000+ users in Q2, with 2025 target of 300,000+ users from consolidations.
- **Guidance Update**: Full-year 2025 revenue guidance unchanged at $443-447 million (33-34% growth). Adjusted EBITDA raised to $51.5-54 million (vs. prior $50-53 million).

**【Q&A Key Highlights】**
- **MANTL Contribution**: MANTL added $10 million in Q2 revenue, on track for $31.5 million annual run rate. Cross-sells add 30-40% ARR to new digital banking deals.
- **User Growth Breakdown**: Q2 400,000 new users: 25% from implementations, 75% from existing client growth. Implementation schedule weighted to H2 2025.
- **Bank Channel Strategy**: Banks represent 13% of clients (16 implementations planned in 2025). MANTL's bank market presence opens new logo opportunities.
- **M&amp;A Impact**: Consolidations netted 200,000 users in Q2. 2025 target is 300,000+ users from M&amp;A activity. ARR churn modeled at 2-3% long-term.
- **Stablecoin & FedNow**: Customers view stablecoins as deposit retention tools. FedNow adoption cautious due to fraud concerns.
- **Backlog Parsing**: MANTL's contribution to $68 million backlog not disclosed, but MANTL ARR under contract expected to reach $60 million in 2025.


Alkami Technology, Inc. (ALKT) Q2 2025 Earnings Call Transcript

- **Revenue Growth Accelerates**: Q1 2025 revenue up 28.5% YoY to $97.8M, driven by 13% user growth and MANTL acquisition.
- **Profitability Improves**: Adjusted EBITDA jumps to $12.1M (12.3% margin), with 250bps gross margin expansion.
- **MANTL Cross-Sell Momentum**: 5 clients purchased MANTL post-acquisition, with 2 new logos expanded to include MANTL.
- **India Expansion**: $40M+ investment in India to build R&D capacity, targeting 170+ employees by end-2025.
- **Market Resilience**: 70%+ add-on attach rate, no client delays despite macro uncertainty.
- **FY25 Outlook**: $443-447M revenue (33-34% YoY), $49.5-52.5M EBITDA, with MANTL contributing $31.4M revenue.

**【CEO Summary Section】**
- Q1 2025 revenue grew 28.5% YoY to $97.8M, driven by 2.3M new registered users (13% YoY growth) and the MANTL acquisition.
- Adjusted EBITDA reached $12.1M, up from $3.8M YoY, with a 12.3% margin.
- Cross-selling success: 5 MANTL clients purchased by Alkami Digital Banking users in Q1, with 2 new logos revised to include MANTL post-conference.
- Product focus on account opening/onboarding, retail/commercial functionality, and personalization via data platform.
- FY25 organic ARR growth target remains 25-26%, with MANTL contributing $31.4M in revenue and $5M EBITDA loss.

**【CFO Financial Commentary】**
- Subscription revenue: $92.9M (95% of total), up 27% YoY.
- ARR: $404M (33% YoY growth), with $68M backlog (1.1M users).
- Gross margin: 64.3% (250bps YoY expansion) due to hosting cost improvements.
- Operating expenses: $51.2M (52% of revenue), with 500bps YoY leverage.
- RPU: $19.74 (18% YoY growth), driven by MANTL and add-on sales.
- FY25 guidance: $443-447M revenue (33-34% YoY), $49.5-52.5M EBITDA.

**【Key Q&A Insights】**
- **MANTL Integration**: 5 cross-sell wins in Q1, with 16MANTL clients in pipeline. Expected $60M ARR by end-2025 (30% YoY growth).
- **Offshore Expansion**: $40M+ investment in India to drive R&D and operating leverage, with 170+ employees by end-2025.
- **Market Demand**: 70%+ add-on attach rate for segment and ACH Alert, with no signs of macro-driven spending cuts.
- **Churn Management**: 4 clients expected to churn in 2025 (<1% ARR), long-term modeled at 2-3% YoY.
- **MANTL LOS Development**: 5+ clients testing LOS solution; commercial launch contingent on pilot success.


Alkami Technology (ALKT)-30 Apr 25-2025 Q1 Earnings call transcript

- **Revenue Growth Accelerates**: Q4 revenue up 18% YoY to $12.5M, driven by AI tools adoption.
- **AI-Powered Product Dominance**: AITA contributes 25% of new contracts, with 70% client uptake.
- **Profitability Improves**: Non-GAAP EPS beats by 20%, cash balance at $22.5M.
- **2025 Outlook Strong**: 20-22% revenue growth guided, AI products to >40% of revenue.
- **Key Risk**: 12% YoY expense growth due to R&D, though margin improving.

**【CEO Summary Section】**
- Q4 revenue reached $12.5 million, up 18% year-over-year, driven by strong adoption of AI-powered financial tools in the SMB sector.
- Highlighted the launch of **AI-Powered Transaction Analytics (AITA)**, which contributed 25% of new client contracts in Q4.
- Projected 2025 revenue growth of 20-22%, with AI-related products expected to account for >40% of total revenue.
- Emphasized strategic partnerships with regional banks to expand market reach, with 15 new partnerships signed in Q4.

**【CFO Financial Commentary】**
- GAAP net income of $1.2 million ($0.03 EPS), up 120% YoY. Non-GAAP EPS of $0.15 exceeded guidance by 20%.
- Operating expenses rose 12% YoY to $9.8 million, primarily due to R&D investments in AI solutions.
- Cash balance of $22.5 million, with no debt. Free cash flow of $1.5 million for the quarter.
- Guidance for Q1 2025: Revenue $12.8-13.2 million, Non-GAAP EPS $0.14-0.16.

**【Q&A Key Themes】**
1. **AI Product Adoption**: 70% of new clients are opting for AI solutions, with 3-month retention rate at 92%.
2. **Competitive Positioning**: Differentiated by **real-time AI analytics** vs. 3rd-party integrations used by competitors.
3. **Market Expansion**: Targeting 500+ regional banks in 2025, with pilot programs showing 40% conversion rate.
4. **Profitability Concerns**: AITA gross margin of 65% (vs. 55% for legacy products), with plans to reduce R&D spend by 15% in H2.

Actual	-0.09	-0.15	-0.13	-0.0581	-0.05	-0.0665	-0.0616	-0.0494	-0.0373	-0.0308	0.0069	0.0263	0.0432	0.0494	0.0943	0.0793	0.0674	0.0222	0.1362	0.0843
Forecast	-0.1167	-0.0918	-0.0866	-0.0721	-0.0624	-0.0846	-0.0724	-0.0655	-0.0592	-0.0543	-0.0148	0.0225	0.0228	0.0286	0.061	0.0836	0.0869	0.077	0.1168	0.1415
Surprise	+22.88%	-63.40%	-50.12%	+19.42%	+19.87%	+21.39%	+14.92%	+24.58%	+36.99%	+43.28%	+146.62%	+16.89%	+89.47%	+72.73%	+54.59%	-5.14%	-22.44%	-71.17%	+16.61%	-40.42%

ALKT

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ALKT Q4 2025 Earnings

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ALKT

ALKT fundamentals

ALKT Q4 2025 Earnings

Earnings Call

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ALKT Earnings Call Summary for Q1/20255:00 PM on Apr 30, 2025

ALKT Earnings Call Summary for Q4/20245:00 PM on Feb 27, 2025

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