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Alkami Technology cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$21.4M in Q3 2026 · $54.1M over twelve months

Operating cash flow$21.9M
Capital spending−$504K
Free cash flow+$21.4M
Cash conversion cycle21 days

Analysis

In Q3 2026, Alkami Technology generated $21.9M of operating cash flow and spent $504K on capital projects, leaving free cash flow of $21.4M. That is $9.1M less than in Q3 2025 ($30.5M).

Over the twelve months to Sep 30, 2026, operating cash flow was $55.7M; the largest uses were net borrowing (+) / repaid (−) ($25.0M), other financing ($19.5M), taxes on employees’ shares ($11.2M); besides operations, cash came from shares issued ($3.0M); the cash balance fell by $7.0M.

Operating cash flow was $21.9M against net income of −$6.7M. The largest differences: stock-based pay +$19.2M, depreciation & amortization +$8.3M, payables +$5.9M.

Its cash conversion cycle was 21 days (receivables 40 + inventory 0 − payables 19).

Free cash flow

Alkami Technology: free cash flow by quarterAlkami Technology: free cash flow by quarter$10.7MQ3 2024$6.0MQ4 2024−$6.1MQ1 2025$760KQ2 2025$30.5MQ3 2025$16.2MQ4 2025$21.4MQ3 2026
Operating cash flow less capital spending.
Alkami Technology: operating cash flow against capital spendingAlkami Technology: operating cash flow against capital spendingOperating cash flowCapital spending$11.0M$305KQ3 2024$6.1M$159KQ4 2024−$5.7M$485KQ1 2025$1.2M$397KQ2 2025$30.8M$274KQ3 2025$16.6M$386KQ4 2025$21.9M$504KQ3 2026
Latest (Q3 2026): Operating cash flow $21.9M, Capital spending $504K.

Capital allocation, year by year

Alkami Technology: where the cash came from (up) and went (down), by fiscal yearAlkami Technology: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow −$29.0MFY2021: Net borrowing −$313KFY2021: Shares issued $202MFY2021: Capital spending −$1.1MFY2021: Acquisitions −$18.3MFY2021: Buybacks −$3.5MFY2021: Dividends −$5.0M$202MFY2021FY2022: Operating cash flow −$38.0MFY2022: Net borrowing $60.3MFY2022: Shares issued $2.4MFY2022: Capital spending −$1.1MFY2022: Acquisitions −$132M$62.7MFY2022FY2023: Operating cash flow −$17.5MFY2023: Net borrowing −$85.0MFY2023: Shares issued $13.0MFY2023: Capital spending −$1.1M$13.0MFY2023FY2024: Operating cash flow $18.6MFY2024: Shares issued $20.2MFY2024: Capital spending −$1.2M$38.8MFY2024FY2025: Operating cash flow $42.9MFY2025: Net borrowing $351MFY2025: Shares issued $3.7MFY2025: Capital spending −$1.5MFY2025: Acquisitions −$375M$397MFY2025
Over these 5 years operating cash flow totalled −$23.0M; the largest uses were acquisitions ($526M) and net borrowing ($85.3M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$63.5M
Debtnone
Net cash$63.5M

Alkami Technology funds itself: free cash flow was $54.1M over the last twelve months, with $63.5M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Alkami Technology: sources (+) and uses (−) of cash, Q3 2026Alkami Technology: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$21.9MBuybacks−$10.0MTaxes on employees’ shares−$6.2MCash drawn (+) / kept (−)−$4.8MOther investing−$814KCapital spending−$504KShares issued$421K
Alkami Technology: sources (+) and uses (−) of cash, TTM to Q3 2026Alkami Technology: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$55.7MNet borrowing (+) / repaid (−)−$25.0MOther financing−$19.5MTaxes on employees’ shares−$11.2MOther investing−$8.4MCash drawn (+) / kept (−)$7.0MShares issued$3.0MCapital spending−$1.7M

From profit to cash

Alkami Technology: net income to operating cash flow, Q3 2026Alkami Technology: net income to operating cash flow, Q3 2026Net income−$6.7MDepreciation & amortization$8.3MStock-based pay$19.2MDeferred taxes−$87KReceivables−$4.8MPayables$5.9MDeferred revenue$1.4MPrepaid and other assets$1.1MOperating cash flow$21.9M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 202640—1921
Q4 202539—1227
Q3 202540—1327
Q2 202538—1227
Q1 202539—1327
Q4 202442—1527
Q3 202444—1529

Every quarter

QuarterOperating cash flowCapital spendingAcquisitionsBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$21.9M−$504K—−$10.0M—$421K−$4.8M$21.4M
Q4 2025$16.6M−$386K——−$10.0M$1.3M−$6.1M$16.2M
Q3 2025$30.8M−$274K——−$25.0M$187K−$4.9M$30.5M
Q2 2025$1.2M−$397K———$732K$9.2M$760K
Q1 2025−$5.7M−$485K−$375M—$396M$1.5M$32.7M−$6.1M
Q4 2024$6.1M−$159K———$8.2M−$13.4M$6.0M
Q3 2024$11.0M−$305K———$5.2M−$19.5M$10.7M

Alkami Technology: income statement and cash flow

Alkami Technology, Q3 2026: revenue $135M (+19% year over year), operating margin -4.6%. The chart follows the revenue to costs, profit and cash.

Alkami Technology: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.