Sapiens International Corp NV is a provider of software solutions for the insurance industry, with an emerging focus on the financial services sector. The company offers software, solutions, and professional services for property & casualty (P&C); reinsurance; life, pension & annuity (L&A); workers' compensation (WC); medical professional liability (MPL); financial & compliance (F&C); and decision modeling for both insurance and financial markets. The group also provides services for project delivery and implementation services, for its Software Solutions portfolio. Geographically, it operates in the region of North America, Rest of the World, and Europe. It generates revenue from Europe.

Financial Strength

9/10

Name	Current	Vs Industry
Cash-To-Debt	2.32
Equity-to-Asset	0.65
Debt-to-Equity	0.2
Debt-to-EBITDA	0.87
Interest Coverage	34.14
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	6	Distress Grey Safe
Beneish M-Score	-2.51	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

9/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	8
	3-Year EBITDA Growth Rate	11.1
	3-Year EPS without NRI Growth Rate	27.9
	3-Year FCF Growth Rate	11.8
	3-Year Book Growth Rate	4.7
	Future 3-5Y EPS without NRI Growth Rate	7.9
	Future 3-5Y Total Revenue Growth Rate	7.43

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	63.37
	9-Day RSI	53.78
	14-Day RSI	52.52
	6-1 Month Momentum %	23.6
	12-1 Month Momentum %	52.28

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	2.11
	Quick Ratio	2.11
	Cash Ratio	1.36
	Days Sales Outstanding	56.97
	Days Payable	8.7

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	1.74
	Dividend Payout Ratio	0.38
	3-Year Dividend Growth Rate	53.9
	Forward Dividend Yield %	1.8
	5-Year Yield-on-Cost %	6.41
	3-Year Average Share Buyback Ratio	-0.6
	Shareholder Yield %	3.57

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	42.67
	Operating Margin %	15.33
	Net Margin %	12.14
	FCF Margin %	13.63
	ROE %	14.89
	ROA %	9.39
	ROIC %	14.79
	ROC (Joel Greenblatt) %	204.9
	ROCE %	15.17
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	27.89
	PE Ratio without NRI	23.31
	Shiller PE Ratio	46.62
	Price-to-Owner-Earnings	26.74
	PEG Ratio	1.5
	PS Ratio	3.39
	PB Ratio	3.89
	Price-to-Tangible-Book	13.41
	Price-to-Free-Cash-Flow	24.81
	Price-to-Operating-Cash-Flow	21.93
	EV-to-EBIT	20.53
	EV-to-EBITDA	16.14
	EV-to-Revenue	3.15
	EV-to-FCF	23.08
	Price-to-Projected-FCF	1.97
	Price-to-DCF (Earnings Based)	0.84
	Price-to-DCF (FCF Based)	0.79
	Price-to-Median-PS-Value	1.16
	Price-to-Peter-Lynch-Fair-Value	1.32
	Price-to-Graham-Number	3.73
	Price-to-Net-Current-Asset-Value	24.03
	Earnings Yield (Greenblatt) %	4.87
	FCF Yield %	4.03
	Forward Rate of Return (Yacktman) %	20.86

GF Value: $29.15

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