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Alkami Technology Inc. (ALKT) — RQD Stock Rating Cockpit

$13.34 +7.58% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.50

Alkami Technology Inc. (ALKT) carries a Roarable Rating of E (Strong Sell) with 31/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

ROARABLE E • RED ALERT Cap $1.33B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ALKT Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is ALKT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Alkami Technology Inc. (NASDAQ: ALKT) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $13.34 (+7.58% 1D, market cap $1.33B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 6/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 7/20. Across 715 tracked Technology issuers, ALKT ranks #573 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does ALKT compare to PD and RDVT in the Technology sector?
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Within the Technology sector (Computer Software: Prepackaged Software), ALKT carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of 57.8%, and ROIC of -14.2%. By comparison, PD (PagerDuty Inc.) holds a C grade (63/100 RQD, P/E 7.9x, ROIC 6.8%, cap $1.33B) and RDVT (Red Violet Inc.) posts a C+ grade (68/100 RQD, P/E 98.2x, ROIC 16.1%, cap $1.28B). Among the 5-stock peer group, PD leads on earnings multiple (7.9x) while RDVT leads on capital efficiency (16.1% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ALKT?
▼

Per ALKT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001529274), Alkami Technology Inc. generated $443.6M in revenue (+32.9% YoY), -$47.7M in net income, and $41.4M in free cash flow against $847.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.50 (+1.17%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 9/20 (D) • 9.3% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record Warning: Scores below 50 (31/100 · E) historically underperformed SPY in 71% of rolling 90-day windows (-9.4% avg 90D alpha vs SPY • 29.0% hit rate).
Audit Bucket Track Record →
RQD QUANT TACHOMETERRED ALERT • E
025507510031
3-of-3 JEV AI Jury Bearish Warning
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw E · Rk E
Cash (9)Whales (4)SEC (6)Macro (5)CEO (7)
Each axis scored 0–20
12M PRICE TARGET CONE-12.1% Base Target
$26 Bull$12 Base$9 Bear
📬 FREE ALKT RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for ALKT)Realized 20D OHLCV Swing Band: ±10.6%
Deterministic 5-Pillar Attribution (31/100 Composite)
🔍 WHY ALKT SCORES 31/100 (E) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Cash Engine Quality+9/20 pts (29% of score)

SEC XBRL FY 2025 (10-K): 9.3% FCF Margin ($41.4M FCF) & 57.8% Gross Margin

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+7/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 35% Net Buy • Disciplined Float (+0.16% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
39
Grade E$14.15+3.6% Next Q
Q2 (-2Q)
36
Grade E$14.66+4.8% Next Q
Q3 (-1Q)
34
Grade E$15.36-13.2% Next Q
Current
31
Grade E$13.34-9.4% Hist 90D α
Trajectory: E (39) → E (31)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a ALKT Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While ALKT currently carries a cautious 31/100 (E) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Technology with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($16.30) and Max Pain ($14.01) forces dealer call-delta covering toward $25.69.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ALKT• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “ALKT Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
YES 31%NO 69%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
32.530 Oversold · 70 Hot
ALTMAN-Z SHIELDDISTRESS RISK (<1.8)
1.27>3.0 Fortress Safe
PIOTROSKI F-SCORESOLID CORE (5–6)
6 / 99-Pt Accounting
52-WEEK LASER RANGE10% OF RANGE
L: $12$13.34H: $24
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 9 / 20
2. Big Money & Insiders● TRIMMING
Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: ERQD 11 / 40
3. Hidden Risks & Market Weather● WARNING
SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: ERQD 11 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bearish Warning on ALKT

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (45)

-14.2% ROIC with 57.8% gross margin and 3.05% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BEARISH (30)

Altman-Z 1.27 and Piotroski 6/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
BEARISH (27)

11/40 institutional & smart-money positioning score with 5/20 macro alignment.

Bull Case: Why Buyers Like ALKT
  • ✓Established market leader in Technology with deep daily trading liquidity.
Bear Case: What Could Go Wrong
  • !Company executives have done more routine share selling than personal cash buying lately.
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
  • !Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring ALKT)

  • ✓Walkthrough of ALKT's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • ✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • ✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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ALKT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -22.31%📐 HORIZONTAL RANGE
2026-11-03O $12.69H $13.34L $12.40C $13.34VOL 3.73M
RES: $22.99SUP: $12.04SMA50: $16.30SMA200: $17.14
$21.68$19.08$16.49$13.89$11.29RES $22.99SUP $12.04$13.342026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ALKT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 ALKT Butterfly Map → + Track ALKT →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +32.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ALKT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for ALKT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ALKT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ALKT)

Technology Rank #573 of 715 ⚔️ PD vs ALKT Full Matrix →

1. Head-to-Head Technology Peer Comparison (ALKT vs. PD, RDVT, OPRA, GTM)

Industry: Computer Software: Prepackaged Software (222 Tracked Issuers)

Across 715 tracked Technology securities in the Roarable RQD universe, Alkami Technology Inc. (ALKT) ranks #573 by composite RQD confidence (31/100, grade E) and #332 by equity capitalization ($1.33B). Within this direct 5-issuer industry benchmark cohort, PD leads on earnings valuation at 7.9x trailing P/E, while RDVT leads on capital efficiency and profitability with 16.1% ROIC and — gross margin. RDVT currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with ALKT at 31/100 (E).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ALKT ACTIVE
Alkami Technology Inc.
E 31/100 — 57.8% -14.2% +7.58% $1.33B Benchmark Subject
PD
PagerDuty Inc.
C 63/100 7.9x 84.9% 6.8% -1.36% $1.33B /pd-vs-alkt →
RDVT
Red Violet Inc.
C+ 68/100 98.2x — 16.1% -2.84% $1.28B /rdvt-vs-alkt →
OPRA
Opera Limited
D 45/100 — — — -3.89% $1.39B /opra-vs-alkt →
GTM
ZoomInfo Technologies Inc
D+ 52/100 10.5x 84.0% 6.7% -1.15% $1.27B /gtm-vs-alkt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001529274 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Alkami Technology Inc. (ALKT) reported GAAP revenue of $443.6M (+32.9% vs. FY2024 revenue of $333.8M , and +67.5% cumulative change since FY2023) , GAAP net income of -$47.7M, operating cash flow of $42.9M, and free cash flow of $41.4M (+137.7% YoY). On the balance sheet, ALKT closed FY2025 with $847.2M in total assets against $0 in total debt (Altman Z-Score: 1.27, Piotroski F-Score: 6/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $443.6M -$47.7M $42.9M $41.4M $847.2M —
FY2024 (FY) 2024-12-31 $333.8M -$40.8M $18.6M $17.4M $437.3M —
FY2023 (FY) 2023-12-31 $264.8M -$62.9M -$17.5M -$17.5M — —

3. ALKT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ALKT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Alkami Technology Inc. (NASDAQ: ALKT) is rated E (Strong Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 31/100 at a spot price of $13.34 (+7.58% 1D, market cap $1.33B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 4/20, SEC Balance-Sheet Forensics 6/20, FRED Macro Regime Fit 5/20, and Executive Insider Alignment 7/20. Across 715 tracked Technology issuers, ALKT ranks #573 in composite RQD confidence.

How does ALKT compare to PD and RDVT in the Technology sector?

Within the Technology sector (Computer Software: Prepackaged Software), ALKT carries a Roarable E (31/100 RQD), trailing P/E of N/A, gross margin of 57.8%, and ROIC of -14.2%. By comparison, PD (PagerDuty Inc.) holds a C grade (63/100 RQD, P/E 7.9x, ROIC 6.8%, cap $1.33B) and RDVT (Red Violet Inc.) posts a C+ grade (68/100 RQD, P/E 98.2x, ROIC 16.1%, cap $1.28B). Among the 5-stock peer group, PD leads on earnings multiple (7.9x) while RDVT leads on capital efficiency (16.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ALKT?

Per ALKT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001529274), Alkami Technology Inc. generated $443.6M in revenue (+32.9% YoY), -$47.7M in net income, and $41.4M in free cash flow against $847.2M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Technology with deep daily trading liquidity. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ALKT trading relative to its 50-day, 200-day, and 52-week technical levels?

ALKT last traded at $13.34 (+7.58% on volume of 3,404,845 shares), positioning the stock -18.16% below its 50-day simple moving average ($16.30) and -22.17% below its 200-day simple moving average ($17.14). Across its 52-week range of $12.10 to $24.47, ALKT sits at the 10.0% percentile with a 14-day RSI of 32.5 (NEUTRAL RANGE) and an implied next-earnings move of ±10.6% ($11.93 to $14.75).

Direct Sub-Reports: ALKT RQD Cockpit ALKT 12M Forecast ALKT Earnings & Move ALKT Dividends & DRIP ALKT Insiders & 13F ALKT Whale Options ALKT Profit Sankey ALKT News & Why
ROARABLE RATING BRIEF • RQD 31/100 (E) ✓ SEC XBRL & RQD VERIFIED

ALKT — Alkami Technology Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Alkami Technology Inc. (ALKT) earns a live Roarable RQD composite score of 31/100, corresponding to a E letter grade (Roarable Strong Sell) at a spot price of $13.34 (+7.58% 1D, market capitalization $1.33B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of -14.2%, gross margin of 57.8%, operating margin of -12.1%, and free cash flow yield of 3.05%.
  • Whale 13F & Options Flow (4/20) + Insider Conviction (7/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (5/20) + Forensic Balance Sheet (6/20): Incorporates a 1.00x equity beta, Altman Z-Score of 1.27, Piotroski F-Score of 6/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Alkami Technology Inc. Is a NASDAQ-listed issuer in the Technology sector, operating in the Computer Software: Prepackaged Software industry. The source profile identifies the company by sector and industry classification and provides a market capitalization of $1.4B. Per the market data, the company reports a gross margin of 57.8%.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Alkami Technology Inc. (ALKT) reported $443.6M in annual revenue (up from $333.8M in FY2024, +32.9% YoY) and -$47.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($264.8M revenue, -$62.9M net income) through FY2025, ALKT scaled operating cash flow to $42.9M and free cash flow to $41.4M, backed by $847.2M in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (E • RQD 31/100): Established market leader in Technology with deep daily trading liquidity. Free cash flow yield of 3.05% and institutional whale pillar of 4/20. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 4/20, sustained execution supports upside toward the upper end of the $12.10 – $24.47 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Company executives have done more routine share selling than personal cash buying lately. Investors must weigh current valuation against -12.1% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Supply chain status is NONE, with no upstream or downstream butterfly links and no proprietary signals recorded. Sector correlations and 2nd-order bottlenecks cannot be mapped from the provided data. Investors should watch for analyst or regulatory commentary on the 2027 outlook referenced in the news wire, as that item is the only forward-looking catalyst identified in the source material.

  • Key Question #1: Can ALKT sustain or expand its -12.1% operating margin and -14.2% ROIC against Computer Software: Prepackaged Software peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $443.6M and free cash flow of $41.4M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is ALKT's equity valuation to Technology capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

ALKT Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Alkami Technology Inc. (ALKT) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to ALKT Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ALKT Bull vs. Bear Conversation Board — What's Your Call at $13.34?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ALKT 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ALKT:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $14.26 (+15.0%)
📌 Pinned Debate

Revenue grew from $264.8M in FY 2023 to $443.6M in FY 2025 while operating losses narrowed from -$63.7M to -$53.6M.

Revenue grew from $264.8M in FY 2023 to $443.6M in FY 2025 while operating losses narrowed from -$63.7M to -$53.6M.. When you look under the hood at ALKT, Fundamental Cash Engine is 9/20 with 57.8% gross margins and -14.2% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (4/20) has been quietly accumulating below $24.47. My 12M target is $14.26.

SectorRotator 🐂 BULL

@DeepValue_CFA Agree on the RQD 31/100 quality, though with 1.0 beta I'm scaling in with half-size at $12.40 and keeping dry powder in case we test $11.53.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $9.80 (-21.0%)
Spot @ $12.40

ROIC of -14.2% and an Altman Z of 1.27 indicate weak capital returns and elevated forensic distress risk, with a Citizens downgrade on

Here is the bear case nobody on the bull side wants to address on ALKT: ROIC of -14.2% and an Altman Z of 1.27 indicate weak capital returns and elevated forensic distress risk, with a Citizens downgrade on mixed results.. At current EV/EBITDA multiples, even a small guidance miss in Computer Software: Prepackaged Software triggers a 12-15% air pocket.

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