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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
73% of the 1702 Companies
in the Global Software - Application industry.

( Industry Median: 20.91 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 1664 Companies
in the Global Software - Application 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
70% of the 1085 Companies
in the Global Software - Application industry.

( Industry Median: 434.43 vs. SPNS: No Debt )
SPNS' s 10-Year Interest Coverage Range
Min: 0.39   Max: 9999.99
Current: No Debt

0.39
9999.99
F-Score: 6
Z-Score: 6.65
M-Score: -2.30
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 (%) 8.78
SPNS's Operating margin (%) is ranked higher than
78% of the 1673 Companies
in the Global Software - Application industry.

( Industry Median: 5.43 vs. SPNS: 8.78 )
SPNS' s 10-Year Operating margin (%) Range
Min: -53.61   Max: 14.42
Current: 8.78

-53.61
14.42
Net-margin (%) 8.57
SPNS's Net-margin (%) is ranked higher than
81% of the 1672 Companies
in the Global Software - Application industry.

( Industry Median: 3.67 vs. SPNS: 8.57 )
SPNS' s 10-Year Net-margin (%) Range
Min: -52.36   Max: 14.23
Current: 8.57

-52.36
14.23
ROE (%) 6.84
SPNS's ROE (%) is ranked higher than
68% of the 1630 Companies
in the Global Software - Application industry.

( Industry Median: 6.75 vs. SPNS: 6.84 )
SPNS' s 10-Year ROE (%) Range
Min: -250.52   Max: 29.31
Current: 6.84

-250.52
29.31
ROA (%) 5.22
SPNS's ROA (%) is ranked higher than
75% of the 1690 Companies
in the Global Software - Application industry.

( Industry Median: 3.50 vs. SPNS: 5.22 )
SPNS' s 10-Year ROA (%) Range
Min: -41.22   Max: 15.36
Current: 5.22

-41.22
15.36
ROC (Joel Greenblatt) (%) 225.78
SPNS's ROC (Joel Greenblatt) (%) is ranked higher than
92% of the 1673 Companies
in the Global Software - Application industry.

( Industry Median: 30.08 vs. SPNS: 225.78 )
SPNS' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -334.25   Max: 595.43
Current: 225.78

-334.25
595.43
Revenue Growth (%) 10.80
SPNS's Revenue Growth (%) is ranked higher than
79% of the 1401 Companies
in the Global Software - Application industry.

( Industry Median: 5.80 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
57% of the 1136 Companies
in the Global Software - Application industry.

( Industry Median: 6.90 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
64% of the 1073 Companies
in the Global Software - Application industry.

( Industry Median: 7.60 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

Q3 2013

SPNS Guru Trades in Q3 2013

Jim Simons 172,800 sh (+7.8%)
» More
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
» 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 Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 31.20
SPNS's P/E(ttm) is ranked higher than
73% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 48.90 vs. SPNS: 31.20 )
SPNS' s 10-Year P/E(ttm) Range
Min: 5.51   Max: 31.21
Current: 31.2

5.51
31.21
P/B 1.71
SPNS's P/B is ranked higher than
77% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 2.95 vs. SPNS: 1.71 )
SPNS' s 10-Year P/B Range
Min: 0.77   Max: 10.84
Current: 1.71

0.77
10.84
P/S 2.59
SPNS's P/S is ranked higher than
61% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 2.37 vs. SPNS: 2.59 )
SPNS' s 10-Year P/S Range
Min: 0.35   Max: 2.59
Current: 2.59

0.35
2.59
PFCF 39.24
SPNS's PFCF is ranked higher than
72% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. SPNS: 39.24 )
SPNS' s 10-Year PFCF Range
Min: 3   Max: 61.86
Current: 39.24

3
61.86
EV-to-EBIT 23.41
SPNS's EV-to-EBIT is ranked higher than
73% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 34.84 vs. SPNS: 23.41 )
SPNS' s 10-Year EV-to-EBIT Range
Min: 2.8   Max: 1523.8
Current: 23.41

2.8
1523.8
Shiller P/E 32.67
SPNS's Shiller P/E is ranked higher than
83% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. SPNS: 32.67 )
SPNS' s 10-Year Shiller P/E Range
Min: 26.67   Max: 108.25
Current: 32.67

26.67
108.25
Current Ratio 1.90
SPNS's Current Ratio is ranked higher than
61% of the 1308 Companies
in the Global Software - Application industry.

( Industry Median: 2.04 vs. SPNS: 1.90 )
SPNS' s 10-Year Current Ratio Range
Min: 0.56   Max: 2.69
Current: 1.9

0.56
2.69
Quick Ratio 1.90
SPNS's Quick Ratio is ranked higher than
64% of the 1308 Companies
in the Global Software - Application industry.

( Industry Median: 1.91 vs. SPNS: 1.90 )
SPNS' s 10-Year Quick Ratio Range
Min: 0.56   Max: 2.69
Current: 1.9

0.56
2.69

Valuation & Return

vs
industry
vs
history
Price/Net Cash 74.91
SPNS's Price/Net Cash is ranked higher than
84% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. SPNS: 74.91 )
SPNS' s 10-Year Price/Net Cash Range
Min: 17.13   Max: 72.18
Current: 74.91

17.13
72.18
Price/Net Current Asset Value 14.99
SPNS's Price/Net Current Asset Value is ranked higher than
85% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 9999.00 vs. SPNS: 14.99 )
SPNS' s 10-Year Price/Net Current Asset Value Range
Min: 7.87   Max: 249.06
Current: 14.99

7.87
249.06
Price/Tangible Book 3.05
SPNS's Price/Tangible Book is ranked higher than
78% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 7.48 vs. SPNS: 3.05 )
SPNS' s 10-Year Price/Tangible Book Range
Min: 0.86   Max: 42.59
Current: 3.05

0.86
42.59
Price/DCF (Projected) 1.42
SPNS's Price/DCF (Projected) is ranked higher than
86% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 8.28 vs. SPNS: 1.42 )
SPNS' s 10-Year Price/DCF (Projected) Range
Min: 0.91   Max: 12.72
Current: 1.42

0.91
12.72
Price/Median PS Value 3.05
SPNS's Price/Median PS Value is ranked lower than
52% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 1.20 vs. SPNS: 3.05 )
SPNS' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 5.55
Current: 3.05

0.32
5.55
Price/Graham Number 2.10
SPNS's Price/Graham Number is ranked higher than
82% of the 1830 Companies
in the Global Software - Application industry.

( Industry Median: 10.14 vs. SPNS: 2.10 )
SPNS' s 10-Year Price/Graham Number Range
Min: 0.5   Max: 15.93
Current: 2.1

0.5
15.93
Earnings Yield (Greenblatt) 4.30
SPNS's Earnings Yield (Greenblatt) is ranked higher than
61% of the 1445 Companies
in the Global Software - Application industry.

( Industry Median: 5.60 vs. SPNS: 4.30 )
SPNS' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 35.9
Current: 4.3

0.1
35.9
Forward Rate of Return (Yacktman) 1.20
SPNS's Forward Rate of Return (Yacktman) is ranked higher than
63% of the 1267 Companies
in the Global Software - Application industry.

( Industry Median: 5.90 vs. SPNS: 1.20 )
SPNS' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -98.2   Max: 8.5
Current: 1.2

-98.2
8.5

Business Description

Industry: Application Software » Software - Application
Compare:CRM, SQI, RHT, INTU, ADBE » details
Traded in other countries:SPS1.Germany
Sapiens International Corporation was incorporated and registered in Curacao on April 6, 1990. It is a public limited liability company and operates under the provisions of the Curaçao Commercial Code. It is a global provider of software solutions for the insurance industry. It offers customers an array of software solutions and services, comprised primarily of: Core software solutions for the Insurance industry - including Property & Casualty/General Insurance ("P&C") and Life, Annuities, Pension and retirement ("L&P") products, Business decision management solutions for all financial services, including insurance, banking and capital markets & Project delivery and implementation of its mission critical solutions. Sapiens focuses on delivering package-based software solutions that provide the financial services industry and, in particular, the insurance industry, with the ability to be more agile in the face of the new and changing business environment, while simultaneously reducing IT costs. Some of its competitors would offer a full suite, others only just one module and their delivery model would vary - in house, IT Outsourcing (ITO) or Business Process Outsourcing (BPO).

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