Sapiens International Corp NV (FRA:S3P) Stock Price, Trades & News

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

8/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.89
Equity-to-Asset	0.69
Debt-to-Equity	0.09
Debt-to-EBITDA	0.44
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	7.99	Distress Grey Safe
Beneish M-Score	-2.25	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	5.2
	3-Year EBITDA Growth Rate	5.7
	3-Year EPS without NRI Growth Rate	7.8
	3-Year FCF Growth Rate	1.3
	3-Year Book Growth Rate	5.1
	Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank	5.48
	Future 3-5Y Total Revenue Growth Rate Estimate	7.3

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	28.3
	9-Day RSI	35.69
	14-Day RSI	42.92
	3-1 Month Momentum %	2.21
	6-1 Month Momentum %	51.64
	12-1 Month Momentum %	33.09

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.52
	Quick Ratio	1.52
	Cash Ratio	0.5
	Days Sales Outstanding	70.81
	Days Payable	11.6

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	0.72
	Dividend Payout Ratio	0.22
	3-Year Dividend Growth Rate	15.5
	Forward Dividend Yield %	1.44
	5-Year Yield-on-Cost %	2.71
	3-Year Average Share Buyback Ratio	-0.5
	Shareholder Yield %	1.53

Profitability Rank

9/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	44.3
	Operating Margin %	13.72
	Net Margin %	11.4
	EBITDA Margin %	17.71
	FCF Margin %	12.96
	OCF Margin %	14.67
	ROE %	13.29
	ROA %	9
	ROIC %	12.71
	3-Year ROIIC %	-35.29
	ROC (Joel Greenblatt) %	242.42
	ROCE %	14.13
	Years of Profitability over Past 10-Year	10
	Moat Score	5
	Tariff Resilience Score	9

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	38.11
	Forward PE Ratio	26.92
	PE Ratio without NRI	31.26
	Shiller PE Ratio	51.3
	Price-to-Owner-Earnings	36.6
	PEG Ratio	2.98
	PS Ratio	4.33
	PB Ratio	4.73
	Price-to-Tangible-Book	29.44
	Price-to-Free-Cash-Flow	34.7
	Price-to-Operating-Cash-Flow	30.49
	EV-to-EBIT	31.04
	EV-to-EBITDA	24.06
	EV-to-Revenue	4.26
	EV-to-FCF	34.18
	Price-to-GF-Value	1.38
	Price-to-Projected-FCF	2.3
	Price-to-DCF (Earnings Based)	0.96
	Price-to-DCF (FCF Based)	0.91
	Price-to-Median-PS-Value	1.41
	Price-to-Peter-Lynch-Fair-Value	4.16
	Price-to-Graham-Number	6.39
	Price-to-Net-Current-Asset-Value	111.52
	Earnings Yield (Greenblatt) %	3.22
	FCF Yield %	2.9
	Forward Rate of Return (Yacktman) %	9.94

Financials (Next Earnings Date:2026-08-13 Est.)

Annual Quarterly TTM

FRA:S3P's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

Not Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

Not Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

Not Enough Data

Operating Revenue by Business Segment

Operating Revenue by Geographic Region

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

Not Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2026	2025	2024	2023	2022	2021	2020	2019	2018	2017

Sapiens International Corp NV Executives

Details

GF Value™: €26.65

FRA:S3P

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 5 Medium warning signs with S3P. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	506.703
	EPS (TTM) (€)	1.032
	Beta	-
	3-Year Sharpe Ratio	0.73
	3-Year Sortino Ratio	1.6
	Volatility %	51.01
	14-Day RSI	42.92
	14-Day ATR (€)	0.080378
	20-Day SMA (€)	37.02
	12-1 Month Momentum %	33.09
	52-Week Range (€)	21.6 - 37.4
	Shares Outstanding (Mil)	55.9

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	5
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Sapiens International Corp NV Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Sapiens International Corp NV Stock Events

Financials Calendars

Event	Date	Price (€)
Third quarter earnings results for 2026	2026-11-13	In 103 days
Second quarter earnings conference call for 2026	2026-08-13 11:30	In 12 days
Second quarter earnings results for 2026	2026-08-13	In 11 days
First quarter earnings conference call for 2026	2026-05-08 09:30	36.80 (+0.00%)
First quarter earnings results for 2026	2026-05-08	36.80 (+0.00%)
Annual report for 2025	2026-03-27	36.80 (+0.00%)
Fourth quarter earnings conference call for 2025	2026-02-18 09:30	36.80 (+0.00%)
Fourth quarter earnings results for 2025	2026-02-18	36.80 (+0.00%)
Third quarter earnings conference call for 2025	2025-11-13 09:30	37.00 (+0.00%)
Third quarter earnings results for 2025	2025-11-13	37.00 (+0.00%)

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Entries

Sapiens International Corp NV Frequently Asked Questions

What is Sapiens International Corp NV(FRA:S3P)'s stock price today?

The current price of FRA:S3P is €36.80. The 52 week high of FRA:S3P is €37.40 and 52 week low is €21.60.

When is next earnings date of Sapiens International Corp NV(FRA:S3P)?

The next earnings date of Sapiens International Corp NV(FRA:S3P) is 2026-08-13 Est..

Does Sapiens International Corp NV(FRA:S3P) pay dividends? If so, how much?

The Dividend Yield % of Sapiens International Corp NV(FRA:S3P) is 0.72% (As of Today), Highest Dividend Payout Ratio of Sapiens International Corp NV(FRA:S3P) was 0.65. The lowest was 0.14. And the median was 0.37. The Forward Dividend Yield % of Sapiens International Corp NV(FRA:S3P) is 1.44%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
	Sapiens welcomes ADIA as an investor	2026-06-01
	Sapiens Selects Industry Leader as Chief Marketing Officer	2026-04-01
	Sapiens' Life Software Solutions Named "Luminary" by Celent and Win Multiple XCelent Awards in North America and EMEA	2026-02-17
	Sapiens Announces Leadership Appointments Following Closing of Acquisition by Advent	2025-12-17
	$HAREHOLDER ALERT: The M&A Class Action Firm Continues to Investigate the Mergers-SPNS, PCH, ATXS, and RYN	2025-11-21
	Sapiens Reports Third Quarter 2025 Financial Results	2025-11-13
	SAPIENS TO ANNOUNCE THIRD QUARTER 2025 FINANCIAL RESULTS ON NOVEMBER 13, 2025	2025-11-06
	Sapiens Customer Summit Highlighted Transformative Insurance Technology in Phoenix, Arizona	2025-10-30
	Sapiens Launches Decision Analytics, Bringing Real-Time Visibility and Optimization to AI Decisioning	2025-10-28
	SHAREHOLDER RIGHTS ALERT: Halper Sadeh LLC Investigates SHCO, TGNA, SPNS on Behalf of Shareholders	2025-10-09

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