Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 9/10

vs
industry
vs
history
Cash to Debt No Debt
SPNS's Cash to Debt is ranked higher than
99% of the 1781 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 20.60 vs. SPNS: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SPNS' s 10-Year Cash to Debt Range
Min: 0.12  Med: 1.24 Max: No Debt
Current: No Debt
Equity to Asset 0.76
SPNS's Equity to Asset is ranked higher than
76% of the 1579 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.61 vs. SPNS: 0.76 )
Ranked among companies with meaningful Equity to Asset only.
SPNS' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.42 Max: 1
Current: 0.76
0.04
1
Interest Coverage No Debt
SPNS's Interest Coverage is ranked higher than
98% of the 1164 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10000.00 vs. SPNS: No Debt )
Ranked among companies with meaningful Interest Coverage only.
SPNS' s 10-Year Interest Coverage Range
Min: 0.39  Med: 5031.96 Max: 9999.99
Current: No Debt
0.39
9999.99
F-Score: 7
Z-Score: 6.87
M-Score: -2.76
WACC vs ROIC
18.16%
12.79%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 11.60
SPNS's Operating margin (%) is ranked higher than
72% of the 1748 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.11 vs. SPNS: 11.60 )
Ranked among companies with meaningful Operating margin (%) only.
SPNS' s 10-Year Operating margin (%) Range
Min: -53.61  Med: 5.71 Max: 14.42
Current: 11.6
-53.61
14.42
Net-margin (%) 10.32
SPNS's Net-margin (%) is ranked higher than
75% of the 1748 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.20 vs. SPNS: 10.32 )
Ranked among companies with meaningful Net-margin (%) only.
SPNS' s 10-Year Net-margin (%) Range
Min: -52.36  Med: -0.02 Max: 14.23
Current: 10.32
-52.36
14.23
ROE (%) 8.61
SPNS's ROE (%) is ranked higher than
57% of the 1703 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.27 vs. SPNS: 8.61 )
Ranked among companies with meaningful ROE (%) only.
SPNS' s 10-Year ROE (%) Range
Min: -216.67  Med: -1.58 Max: 34.21
Current: 8.61
-216.67
34.21
ROA (%) 7.42
SPNS's ROA (%) is ranked higher than
70% of the 1788 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.29 vs. SPNS: 7.42 )
Ranked among companies with meaningful ROA (%) only.
SPNS' s 10-Year ROA (%) Range
Min: -42.91  Med: -0.70 Max: 16.5
Current: 7.42
-42.91
16.5
ROC (Joel Greenblatt) (%) 369.87
SPNS's ROC (Joel Greenblatt) (%) is ranked higher than
90% of the 1761 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.35 vs. SPNS: 369.87 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SPNS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -269.35  Med: 114.12 Max: 627.02
Current: 369.87
-269.35
627.02
Revenue Growth (3Y)(%) 12.60
SPNS's Revenue Growth (3Y)(%) is ranked higher than
72% of the 1315 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.30 vs. SPNS: 12.60 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SPNS' s 10-Year Revenue Growth (3Y)(%) Range
Min: -36.7  Med: -12.20 Max: 12.6
Current: 12.6
-36.7
12.6
EBITDA Growth (3Y)(%) 7.00
SPNS's EBITDA Growth (3Y)(%) is ranked higher than
51% of the 1053 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.80 vs. SPNS: 7.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SPNS' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -2.70 Max: 207.2
Current: 7
0
207.2
EPS Growth (3Y)(%) 16.40
SPNS's EPS Growth (3Y)(%) is ranked higher than
64% of the 975 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.70 vs. SPNS: 16.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SPNS' s 10-Year EPS Growth (3Y)(%) Range
Min: -71.3  Med: -9.60 Max: 16.4
Current: 16.4
-71.3
16.4
» SPNS's 10-Y Financials

Financials


Revenue & Net Income
Cash & Debt
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

SPNS Guru Trades in Q3 2014

Jim Simons 553,400 sh (+2.37%)
» More
Q4 2014

SPNS Guru Trades in Q4 2014

Jim Simons 513,100 sh (-7.28%)
» More
Q1 2015

SPNS Guru Trades in Q1 2015

Jim Simons 456,098 sh (-11.11%)
» More
Q2 2015

SPNS Guru Trades in Q2 2015

Louis Moore Bacon 47,684 sh (New)
Jim Simons 428,100 sh (-6.14%)
» More
» Details

Insider Trades

Latest Guru Trades with SPNS

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 31.54
SPNS's P/E(ttm) is ranked lower than
62% of the 1109 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.00 vs. SPNS: 31.54 )
Ranked among companies with meaningful P/E(ttm) only.
SPNS' s 10-Year P/E(ttm) Range
Min: 5.51  Med: 16.76 Max: 34.02
Current: 31.54
5.51
34.02
Forward P/E 23.26
SPNS's Forward P/E is ranked lower than
60% of the 528 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 19.16 vs. SPNS: 23.26 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 32.30
SPNS's PE(NRI) is ranked lower than
63% of the 1101 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 23.80 vs. SPNS: 32.30 )
Ranked among companies with meaningful PE(NRI) only.
SPNS' s 10-Year PE(NRI) Range
Min: 5.42  Med: 17.07 Max: 34.31
Current: 32.3
5.42
34.31
P/B 3.02
SPNS's P/B is ranked lower than
56% of the 1572 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.63 vs. SPNS: 3.02 )
Ranked among companies with meaningful P/B only.
SPNS' s 10-Year P/B Range
Min: 0.77  Med: 1.90 Max: 11.29
Current: 3.02
0.77
11.29
P/S 3.37
SPNS's P/S is ranked lower than
65% of the 1715 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.00 vs. SPNS: 3.37 )
Ranked among companies with meaningful P/S only.
SPNS' s 10-Year P/S Range
Min: 0.35  Med: 1.01 Max: 3.65
Current: 3.37
0.35
3.65
PFCF 23.36
SPNS's PFCF is ranked higher than
51% of the 815 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 24.41 vs. SPNS: 23.36 )
Ranked among companies with meaningful PFCF only.
SPNS' s 10-Year PFCF Range
Min: 18.47  Med: 36.43 Max: 142.75
Current: 23.36
18.47
142.75
POCF 17.61
SPNS's POCF is ranked higher than
50% of the 1017 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 17.74 vs. SPNS: 17.61 )
Ranked among companies with meaningful POCF only.
SPNS' s 10-Year POCF Range
Min: 13.92  Med: 18.00 Max: 63.44
Current: 17.61
13.92
63.44
EV-to-EBIT 25.74
SPNS's EV-to-EBIT is ranked lower than
68% of the 1149 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 16.13 vs. SPNS: 25.74 )
Ranked among companies with meaningful EV-to-EBIT only.
SPNS' s 10-Year EV-to-EBIT Range
Min: -40.2  Med: 14.85 Max: 1523.8
Current: 25.74
-40.2
1523.8
Shiller P/E 40.39
SPNS's Shiller P/E is ranked lower than
66% of the 699 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 28.94 vs. SPNS: 40.39 )
Ranked among companies with meaningful Shiller P/E only.
SPNS' s 10-Year Shiller P/E Range
Min: 24.69  Med: 33.03 Max: 108.25
Current: 40.39
24.69
108.25
Current Ratio 1.91
SPNS's Current Ratio is ranked lower than
54% of the 1625 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.07 vs. SPNS: 1.91 )
Ranked among companies with meaningful Current Ratio only.
SPNS' s 10-Year Current Ratio Range
Min: 0.56  Med: 1.23 Max: 2.72
Current: 1.91
0.56
2.72
Quick Ratio 1.91
SPNS's Quick Ratio is ranked higher than
50% of the 1625 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.92 vs. SPNS: 1.91 )
Ranked among companies with meaningful Quick Ratio only.
SPNS' s 10-Year Quick Ratio Range
Min: 0.56  Med: 1.23 Max: 2.72
Current: 1.91
0.56
2.72
Days Sales Outstanding 59.99
SPNS's Days Sales Outstanding is ranked higher than
60% of the 1511 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 69.32 vs. SPNS: 59.99 )
Ranked among companies with meaningful Days Sales Outstanding only.
SPNS' s 10-Year Days Sales Outstanding Range
Min: 38.51  Med: 75.60 Max: 158.87
Current: 59.99
38.51
158.87

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.32
SPNS's Dividend Yield is ranked lower than
65% of the 1264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.77 vs. SPNS: 1.32 )
Ranked among companies with meaningful Dividend Yield only.
SPNS' s 10-Year Dividend Yield Range
Min: 1.21  Med: 1.40 Max: 1.66
Current: 1.32
1.21
1.66
Dividend Payout 0.43
SPNS's Dividend Payout is ranked lower than
55% of the 766 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. SPNS: 0.43 )
Ranked among companies with meaningful Dividend Payout only.
SPNS' s 10-Year Dividend Payout Range
Min: 1.5  Med: 1.50 Max: 1.5
Current: 0.43
Yield on cost (5-Year) 1.32
SPNS's Yield on cost (5-Year) is ranked lower than
67% of the 1295 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.02 vs. SPNS: 1.32 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SPNS' s 10-Year Yield on cost (5-Year) Range
Min: 1.21  Med: 1.40 Max: 1.66
Current: 1.32
1.21
1.66
Share Buyback Rate -16.50
SPNS's Share Buyback Rate is ranked lower than
84% of the 1149 Companies
in the Global Software - Infrastructure industry.

( Industry Median: -2.20 vs. SPNS: -16.50 )
Ranked among companies with meaningful Share Buyback Rate only.
SPNS' s 10-Year Share Buyback Rate Range
Min: -1.6  Med: -17.40 Max: -41.3
Current: -16.5

Valuation & Return

vs
industry
vs
history
Price/Net Current Asset Value 19.41
SPNS's Price/Net Current Asset Value is ranked lower than
83% of the 1036 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 6.56 vs. SPNS: 19.41 )
Ranked among companies with meaningful Price/Net Current Asset Value only.
SPNS' s 10-Year Price/Net Current Asset Value Range
Min: 7.41  Med: 19.00 Max: 352
Current: 19.41
7.41
352
Price/Tangible Book 6.78
SPNS's Price/Tangible Book is ranked lower than
66% of the 1327 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 4.00 vs. SPNS: 6.78 )
Ranked among companies with meaningful Price/Tangible Book only.
SPNS' s 10-Year Price/Tangible Book Range
Min: 0.86  Med: 5.22 Max: 34.25
Current: 6.78
0.86
34.25
Price/Projected FCF 2.32
SPNS's Price/Projected FCF is ranked lower than
66% of the 823 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.66 vs. SPNS: 2.32 )
Ranked among companies with meaningful Price/Projected FCF only.
SPNS' s 10-Year Price/Projected FCF Range
Min: 0.99  Med: 2.39 Max: 12.72
Current: 2.32
0.99
12.72
Price/Median PS Value 3.36
SPNS's Price/Median PS Value is ranked lower than
94% of the 1520 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.11 vs. SPNS: 3.36 )
Ranked among companies with meaningful Price/Median PS Value only.
SPNS' s 10-Year Price/Median PS Value Range
Min: 0.27  Med: 0.95 Max: 4.19
Current: 3.36
0.27
4.19
Price/Peter Lynch Fair Value 1.53
SPNS's Price/Peter Lynch Fair Value is ranked higher than
53% of the 347 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.60 vs. SPNS: 1.53 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SPNS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.33  Med: 1.41 Max: 3.03
Current: 1.53
0.33
3.03
Price/Graham Number 3.09
SPNS's Price/Graham Number is ranked lower than
65% of the 853 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.03 vs. SPNS: 3.09 )
Ranked among companies with meaningful Price/Graham Number only.
SPNS' s 10-Year Price/Graham Number Range
Min: 0.5  Med: 2.22 Max: 14.29
Current: 3.09
0.5
14.29
Earnings Yield (Greenblatt) (%) 3.88
SPNS's Earnings Yield (Greenblatt) (%) is ranked higher than
55% of the 1711 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.80 vs. SPNS: 3.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SPNS' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.1  Med: 5.30 Max: 35.9
Current: 3.88
0.1
35.9
Forward Rate of Return (Yacktman) (%) 22.23
SPNS's Forward Rate of Return (Yacktman) (%) is ranked higher than
80% of the 694 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 10.48 vs. SPNS: 22.23 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SPNS' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -72.5  Med: -2.10 Max: 31.5
Current: 22.23
-72.5
31.5

Analyst Estimate

Dec15 Dec16
Revenue(Mil) 178 205
EPS($) 0.44 0.50
EPS without NRI($) 0.44 0.50

Business Description

Industry: Application Software » Software - Infrastructure
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:SPNS.Israel, SPS1.Germany,
Sapiens International Corp was incorporated and registered in Curaçao on April 6, 1990. The Company is a provider of software solutions for the insurance industry, with an emerging focus on the financial services sector. It offers core software solutions for Property & Casualty/General Insurance (P&C), and Life, Annuities, & Pensions (L&P) providers, allowing them to manage policy administration, claims management and billing functions. The Company also provides record-keeping software solutions for Retirement Services providers. In addition, it offers various other technology-based solutions that enable organizations to deploy business logic and comply with policies and regulations across their organizations. Its solutions enable customers to respond to evolving market needs and regulatory changes, while improving the efficiency of their core operations, thereby increasing revenues and reducing costs. Its offering is comprised mainly of: software solutions for the Insurance industry with emerging focus on the broader financial services sector; and Global Services including project delivery and implementation of its solutions. Its software solutions include Sapiens L&P for Life, Annuity Pension and Retirement, Sapiens P&C for Property and Casualty/General Insurance, Sapiens DECISION and Technology based Solutions. It offers services like project delivery and implementation services, backed by its methodologies and best practices, for its Software Solutions portfolio. It also offers its customers support and maintenance for the software. Its customers include P&C insurance carriers. The Company sells its products and services to customers located outside North America.
» More Articles for SPNS

Headlines

Articles On GuruFocus.com
Formula Systems Ltd.: A High-Tech Stock With a High Yield May 11 2010 

More From Other Websites
Can the Rally in Sapiens (SPNS) Shares Continue? Aug 18 2015
FNB in South Africa Selects Sapiens ALIS for the Launch of its Life Insurance Practice Aug 11 2015
Scott Palmer Joins Sapiens Retirement Services Practice Aug 06 2015
Edited Transcript of SPNS earnings conference call or presentation 5-Aug-15 1:30pm GMT Aug 05 2015
Q2 2015 Sapiens International Corporation NV Earnings Release - Time Not Supplied Aug 05 2015
Sapiens beats 2Q profit forecasts Aug 05 2015
Sapiens beats 2Q profit forecasts Aug 05 2015
Sapiens Reports Double-Digit Revenue Growth and Improved Profitability Aug 05 2015
Sapiens Acquires an Insurance Software Provider in Poland Jul 28 2015
The Best Small Cap Tech Stocks Right Now Jul 22 2015
Sapiens to Announce Second Quarter 2015 Financial Results on August 5, 2015 Jul 20 2015
EuroLife Selects Sapiens ALIS for All Life, Investment and Health Lines of Business Jul 14 2015
Sapiens DECISION Announces Support for Decision Model and Notation (DMN) Jul 07 2015
Top Tier UK Financial Institution Selects Sapiens DECISION Jun 29 2015
Altshuler Shaham Goes Live with Sapiens ALIS Jun 11 2015
Sapiens Reinsurance Solution Goes Live at West Bend Mutual Insurance in the U.S. Jun 04 2015
Reinsurance Expert Craig Robinson Joins Sapiens Jun 03 2015
3 Reasons Growth Stock Investors Will Love Sapiens International (SPNS) - Tale of the Tape May 28 2015
Anadolu Goes Live With Sapiens' P&C Solution as Part of Its Transformation Project May 26 2015
Kingdee International Software Group Co. Ltd.: Strong price momentum May 19 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK