ALKT at a glance
ALKAMI TECHNOLOGY, INC. (ALKT, SEC CIK 1529274) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 29, 2026 and Form 4 insider filings as recently as September 9, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), ALKAMI TECHNOLOGY, INC. (ALKT) reported revenue of $443.6 million (up 32.9% from FY2024) and a net loss of $47.7 million. Diluted EPS was -$0.46.
- As of June 30, 2026, 26 institutional investment managers tracked by SignalX reported holding ALKAMI TECHNOLOGY, INC. (ALKT) shares worth $444.8 million in 13F-HR filings.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $443.6M
- +32.9% vs prior year
- Insiders · 90 days
- 0 buys · 0 sells
- No open-market trades
- 13F holders
- 26 funds
- $444.8M · +1 vs prior quarter
- Latest 8-K
- Jul 29, 2026
- Item 2.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business model: Cloud-based digital sales and service platform for community, regional, and super-regional financial institutions (FIs)
- New emphasis on MANTL onboarding, account opening, and loan origination solutions acquired in March 2025 to expand into commercial and business customer acquisition
- Client base grew to 301 FIs in 2025 from 236 in 2023, with average product usage per client increasing to 16 from 9 in 2015, highlighting market penetration and product depth expansion
- Live registered users increased to 22.4 million in 2025, a 12.1% growth from 2024, driving 32.9% revenue growth to $443.6 million and annual recurring revenue expansion to 115%
- Established new India subsidiary in 2024 to support future operations, with current operations still immaterial as of Dec 31, 2025
Risk Factors
- Regulatory risk from data privacy laws affecting processing of personally identifiable information (PI) for end users
- Geopolitical exposure via reliance on technology and development resources in India
- Operational vulnerability due to dependence on Amazon Web Services (AWS) for data center hosting and cloud infrastructure
- Competitive threat from longer, costly sales cycles versus competitors also serving financial institutions
- Financial risk from obligations and dilution related to 2030 Convertible Notes and associated credit agreements
Management Discussion & Analysis
- Revenue $443.6M, up 32.9% YoY (+$109.8M) driven by SaaS subscription growth and $34.9M contribution from MANTL acquisition
- Gross margin 57.8% vs 58.9% in 2024; operating loss $53.6M vs $44.6M; net loss $47.7M vs $40.8M
- Best segment: SaaS subscription services $421.7M (+$102.4M); worst segment: net loss widened despite revenue growth
- Adjusted EBITDA $59.1M vs $26.9M in 2024; capex details not disclosed; acquired MANTL for $375M; issued $345M convertible notes
- Management emphasizes focus on FI client growth, product suite expansion, innovation (R&D 26.7% of revenue), with risks around client renewals and competitive wins
AI summary of the ALKT 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Q2 revenue $129.8M, up 15.9% YoY from $112.1M
- Gross margin 56.8% vs 58.6% YoY
- SaaS subscriptions $123.0M vs $105.9M, strongest revenue category
- Net loss $8.9M vs $13.6M; adjusted EBITDA $19.4M vs $11.9M
- Continued investment in sales, marketing, product development and client support; no updated guidance disclosed
Risk Factors
- New shareholder-value risk triggered by April 23, 2026 authorization for $100.0 million stock repurchases
- Liquidity risk from $15 million repurchases potentially reducing funds for growth, working capital, and acquisitions
- Market risk from repurchases increasing trading volatility or depressing shares if purchases exceed subsequent market prices
- Insider-selling risk from Brian Smith’s Rule 10b5-1 plan covering up to 3,276,000 shares through March 1, 2027
- Regulatory disclosure risk from inadvertent omission of Smith’s trading arrangement in the 2025 Form 10-K
AI summary of the ALKT 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 results for quarter ended June 30, 2026, released July 29, 2026
- Detailed financial results and management commentary contained in Exhibit 99.1_PRESS RELEASE
Item 7.01: Regulation FD Disclosure
- Investor presentation posted July 29, 2026 under Regulation FD, making company information broadly available
- Exhibit 99.2 contains the substantive presentation and may include updated strategy, operating metrics, or financial outlook
Item EX-99.1: Item EX-99.1
- Q2 revenue $129.8M, up 15.9% YoY, while GAAP net loss narrowed to $8.9M from $13.6M
- Adjusted EBITDA $19.4M, up from $11.9M, with margin expanding nearly 430 basis points to 14.9%
Item 5.07: Submission of Matters to a Vote of Security Holders
- 71.87% shareholder participation, with 76,909,758 of 107,016,974 eligible shares represented
- All three Class II director nominees elected through 2029, including Brian R. Smith with 52,065,034 votes for
Item 1.01: Entry into a Material Definitive Agreement
- Credit agreement amendment permits up to $100 million of cash for common-stock repurchases
- Buyback authorization signals management believes shares offer attractive value
AI summaries of ALKT 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for ALKT
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Shootman Alex | F | Sep 8, 2026 | 16,188 | $19.38 |
| Sachdeva Prerna | F | Sep 1, 2026 | 1,421 | $19.44 |
| Shootman Alex | F | Sep 1, 2026 | 5,205 | $19.44 |
| Linebarger Douglas A. | F | Sep 1, 2026 | 7,381 | $19.44 |
| HUDSON CASSANDRA | F | Sep 1, 2026 | 8,293 | $19.44 |
| HUDSON CASSANDRA | A | Aug 7, 2026 | 52,116 | - |
| FOX JEFFREY H | A | Jul 5, 2026 | 457 | - |
| Mitchell Steven R | A | Jul 5, 2026 | 533 | - |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | - | $333.8M | $443.6M |
| Gross Profit | - | $196.6M | $256.6M |
| Operating Income | - | -$44.6M | -$53.6M |
| Net Income | - | -$40.8M | -$47.7M |
| Gross Margin | - | 58.9% | 57.8% |
| Op. Margin | - | -13.4% | -12.1% |
| Net Margin | - | -12.2% | -10.7% |
| Balance Sheet | |||
| Total Assets | $399.8M | $437.3M | $847.2M |
| Equity | - | $357.0M | $362.0M |
| ROE | - | -11.4% | -13.2% |
| Per Share | |||
| EPS | - | $-0.41 | $-0.46 |
| Cash Flow | |||
| Operating CF | - | $18.6M | $42.9M |
| CapEx | $1.1M | $1.2M | $1.5M |
Source: XBRL data in ALKAMI TECHNOLOGY, INC. (ALKT)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate ALKT share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 26 | $444.8M |
| Q1 2026 | 25 | $411.8M |
| Q4 2025 | 24 | $561.2M |
| Q3 2025 | 26 | $674.5M |
| Q2 2025 | 26 | $849.3M |
| Q1 2025 | 26 | $619.2M |
| Q4 2024 | 22 | $684.6M |
| Q3 2024 | 17 | $220.0M |
- Goldman Sachs Group+402.7K (+35%)
- BlackRock+243.0K (+4%)
- Dimensional Fund Advisors+149.9K (+80%)
- AQR Capital Management+119.7K (+178%)
- State Street Corp+93.9K (+5%)
- Vanguard Portfolio Management LLC−337.4K (-7%)
- Vanguard Capital Management LLC−291.5K (-9%)
- Millennium Management−291.1K (-63%)
- Morgan Stanley−255.8K (-17%)
- JPMorgan Chase & Co−190.0K (-74%)
- Two Sigma Investments+11.4K
- Allstate+10.5K
- Franklin Resources−1.17M
Source: 13F-HR filings on SEC EDGAR (aggregated from 192 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
ALKT filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 9, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Sep 3, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 10-Q | Jul 30, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Jul 29, 2026 | - | Analysis | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| 4 | Jul 7, 2026 | - | - | - |
| SC 13D | Jun 29, 2026 | - | - | |
| 4 | Jun 10, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | Jun 3, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - | |
| 4 | May 21, 2026 | - | - |
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ALKT SEC filings: frequently asked questions
Which institutions hold ALKT stock?
As of June 30, 2026, the largest ALKAMI TECHNOLOGY, INC. (ALKT) holders among the 13F filers tracked by SignalX were BlackRock ($111.0 million), Vanguard Portfolio Management LLC ($78.7 million), Vanguard Capital Management LLC ($52.7 million), State Street Corp ($34.9 million), Citadel Advisors LLC ($28.4 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was ALKT's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), ALKAMI TECHNOLOGY, INC. (ALKT) reported revenue of $443.6 million (up 32.9% from FY2024) and a net loss of $47.7 million. Diluted EPS was -$0.46. The figures come from the XBRL data in the 10-K.
What are the main risks in ALKT's latest 10-K?
In the 10-K filed February 26, 2026, ALKAMI TECHNOLOGY, INC. (ALKT) flagged: Regulatory risk from data privacy laws affecting processing of personally identifiable information (PI) for end users. Geopolitical exposure via reliance on technology and development resources in India. (AI summary of the Risk Factors section.)
What did ALKT report in its latest 8-K?
ALKAMI TECHNOLOGY, INC. (ALKT) filed an 8-K on July 29, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). Q2 2026 results for quarter ended June 30, 2026, released July 29, 2026.
What are the latest ALKT SEC filings?
ALKAMI TECHNOLOGY, INC. (ALKT) filed its latest 10-K annual report on February 26, 2026, a 10-Q quarterly report on July 30, 2026, an 8-K current report on July 29, 2026 and a Form 4 insider filing on September 9, 2026.
What is ALKT's SEC CIK number?
ALKAMI TECHNOLOGY, INC. (ALKT)'s SEC Central Index Key (CIK) is 1529274. EDGAR lists every ALKT filing under that number.
Ask anything about ALKT
The research agent reads ALKT's filings, financials, insider trades and 13F holders, then answers with sources.