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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 : 10/10

vs
industry
vs
history
Cash to Debt No Debt
SPNS's Cash to Debt is ranked higher than
99% of the 2073 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.15 vs. SPNS: No Debt )
SPNS' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: No Debt

Equity to Asset 1.00
SPNS's Equity to Asset is ranked higher than
100% of the 2005 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 0.60 vs. SPNS: 1.00 )
SPNS' s 10-Year Equity to Asset Range
Min: 0.04   Max: 1
Current: 1

0.04
1
Interest Coverage No Debt
SPNS's Interest Coverage is ranked higher than
96% of the 1365 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 985.82 vs. SPNS: No Debt )
SPNS' s 10-Year Interest Coverage Range
Min: 0.39   Max: 9999.99
Current: No Debt

0.39
9999.99
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 (%) 9.01
SPNS's Operating margin (%) is ranked higher than
79% of the 2055 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.43 vs. SPNS: 9.01 )
SPNS' s 10-Year Operating margin (%) Range
Min: -53.61   Max: 14.42
Current: 9.01

-53.61
14.42
Net-margin (%) 8.73
SPNS's Net-margin (%) is ranked higher than
82% of the 2055 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.74 vs. SPNS: 8.73 )
SPNS' s 10-Year Net-margin (%) Range
Min: -52.36   Max: 14.23
Current: 8.73

-52.36
14.23
ROE (%) 7.10
SPNS's ROE (%) is ranked higher than
71% of the 1999 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.10 vs. SPNS: 7.10 )
SPNS' s 10-Year ROE (%) Range
Min: -183.33   Max: 36.47
Current: 7.1

-183.33
36.47
ROA (%) 6.08
SPNS's ROA (%) is ranked higher than
78% of the 2078 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.78 vs. SPNS: 6.08 )
SPNS' s 10-Year ROA (%) Range
Min: -42.91   Max: 16.5
Current: 6.08

-42.91
16.5
ROC (Joel Greenblatt) (%) 264.78
SPNS's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 2065 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 29.04 vs. SPNS: 264.78 )
SPNS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -269.55   Max: 652.19
Current: 264.78

-269.55
652.19
Revenue Growth (%) 10.80
SPNS's Revenue Growth (%) is ranked higher than
80% of the 1667 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.60 vs. SPNS: 10.80 )
SPNS' s 10-Year Revenue Growth (%) Range
Min: -36.7   Max: 10.8
Current: 10.8

-36.7
10.8
EBITDA Growth (%) -8.30
SPNS's EBITDA Growth (%) is ranked higher than
60% of the 1357 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 7.30 vs. SPNS: -8.30 )
SPNS' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 207.2
Current: -8.3

0
207.2
EPS Growth (%) -1.20
SPNS's EPS Growth (%) is ranked higher than
66% of the 1265 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9.10 vs. SPNS: -1.20 )
SPNS' s 10-Year EPS Growth (%) Range
Min: -71.3   Max: 13.8
Current: -1.2

-71.3
13.8
» SPNS's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SPNS Guru Trades in Q4 2013

Jim Simons 355,058 sh (+105.47%)
» More
Q1 2014

SPNS Guru Trades in Q1 2014

Jim Simons 369,455 sh (+4.05%)
» More
Q2 2014

SPNS Guru Trades in Q2 2014

Jim Simons 540,600 sh (+46.32%)
» More
Q3 2014

SPNS Guru Trades in Q3 2014

Jim Simons 553,400 sh (+2.37%)
» 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 Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 27.50
SPNS's P/E(ttm) is ranked higher than
78% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 54.30 vs. SPNS: 27.50 )
SPNS' s 10-Year P/E(ttm) Range
Min: 5.51   Max: 31.21
Current: 27.5

5.51
31.21
P/B 1.62
SPNS's P/B is ranked higher than
83% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.33 vs. SPNS: 1.62 )
SPNS' s 10-Year P/B Range
Min: 0.77   Max: 10.84
Current: 1.62

0.77
10.84
P/S 2.38
SPNS's P/S is ranked higher than
70% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 2.68 vs. SPNS: 2.38 )
SPNS' s 10-Year P/S Range
Min: 0.34   Max: 2.59
Current: 2.38

0.34
2.59
PFCF 24.39
SPNS's PFCF is ranked higher than
84% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. SPNS: 24.39 )
SPNS' s 10-Year PFCF Range
Min: 3   Max: 61.86
Current: 24.39

3
61.86
EV-to-EBIT 22.13
SPNS's EV-to-EBIT is ranked higher than
75% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 34.57 vs. SPNS: 22.13 )
SPNS' s 10-Year EV-to-EBIT Range
Min: -224.4   Max: 741
Current: 22.13

-224.4
741
Shiller P/E 28.95
SPNS's Shiller P/E is ranked higher than
87% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. SPNS: 28.95 )
SPNS' s 10-Year Shiller P/E Range
Min: 26.67   Max: 108.25
Current: 28.95

26.67
108.25
Current Ratio 2.00
SPNS's Current Ratio is ranked higher than
69% of the 2037 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.91 vs. SPNS: 2.00 )
SPNS' s 10-Year Current Ratio Range
Min: 0.56   Max: 2.69
Current: 2

0.56
2.69
Quick Ratio 2.00
SPNS's Quick Ratio is ranked higher than
71% of the 2037 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.78 vs. SPNS: 2.00 )
SPNS' s 10-Year Quick Ratio Range
Min: 0.56   Max: 2.69
Current: 2

0.56
2.69

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.86
SPNS's Price/Tangible Book is ranked higher than
81% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 8.60 vs. SPNS: 2.86 )
SPNS' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 42.59
Current: 2.86

0.86
42.59
Price/DCF (Projected) 1.29
SPNS's Price/DCF (Projected) is ranked higher than
87% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 14.83 vs. SPNS: 1.29 )
SPNS' s 10-Year Price/DCF (Projected) Range
Min: 0.79   Max: 12.72
Current: 1.29

0.79
12.72
Price/Median PS Value 2.65
SPNS's Price/Median PS Value is ranked higher than
52% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 1.22 vs. SPNS: 2.65 )
SPNS' s 10-Year Price/Median PS Value Range
Min: 0.3   Max: 5.55
Current: 2.65

0.3
5.55
Price/Peter Lynch Fair Value 1.74
SPNS's Price/Peter Lynch Fair Value is ranked higher than
92% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. SPNS: 1.74 )
SPNS' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.33   Max: 2.83
Current: 1.74

0.33
2.83
Price/Graham Number 1.88
SPNS's Price/Graham Number is ranked higher than
85% of the 2264 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 9999.00 vs. SPNS: 1.88 )
SPNS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 15.93
Current: 1.88

0.5
15.93
Earnings Yield (Greenblatt) 4.50
SPNS's Earnings Yield (Greenblatt) is ranked higher than
73% of the 2026 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 3.70 vs. SPNS: 4.50 )
SPNS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 35.9
Current: 4.5

0.1
35.9
Forward Rate of Return (Yacktman) 18.14
SPNS's Forward Rate of Return (Yacktman) is ranked higher than
88% of the 1509 Companies
in the Global Software - Infrastructure industry.

( Industry Median: 5.09 vs. SPNS: 18.14 )
SPNS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -124.6   Max: 33.1
Current: 18.14

-124.6
33.1

Business Description

Industry: Application Software » Software - Infrastructure
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:SPS1.Germany, SPNS.Israel
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

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