NAS:SPNS (Israel)
Business Description
Sapiens International Corp NV
NAICS : 511210
SIC : 7372
26 Harokmim Street, Azrieli Center, Holon, ISR, 5885800
Description
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 modelling 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, United Kingdom, Israel, and other European countries and Rest of the World and derives the majority of its income from North American region.
Financial Strength
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.46 | |||||
| Equity-to-Asset | 0.58 | |||||
| Debt-to-Equity | 0.32 | |||||
| Debt-to-EBITDA | 1.27 | |||||
| Interest Coverage | 13.45 | |||||
| Piotroski F-Score | 7/9 | |||||
| Altman Z-Score | 4.04 | |||||
| Beneish M-Score | -2.49 | |||||
| WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 12.8 | |||||
| 3-Year EBITDA Growth Rate | 24.3 | |||||
| 3-Year EPS without NRI Growth Rate | 44.8 | |||||
| 3-Year FCF Growth Rate | 44.2 | |||||
| 3-Year Book Growth Rate | 22.4 |
Momentum Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 47.59 | |||||
| 9-Day RSI | 41.47 | |||||
| 14-Day RSI | 42.4 | |||||
| 6-1 Month Momentum % | -17.53 | |||||
| 12-1 Month Momentum % | -11.36 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Current Ratio | 1.81 | |||||
| Quick Ratio | 1.81 | |||||
| Cash Ratio | 1.18 | |||||
| Days Sales Outstanding | 56.16 | |||||
| Days Payable | 9.99 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 2.07 | |||||
| Dividend Payout Ratio | 0.49 | |||||
| 3-Year Dividend Growth Rate | 22.8 | |||||
| Forward Dividend Yield % | 3.09 | |||||
| 5-Year Yield-on-Cost % | 2.8 | |||||
| 3-Year Average Share Buyback Ratio | -3.3 |
Profitability Rank
9/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 41.53 | |||||
| Operating Margin % | 13.82 | |||||
| Net Margin % | 11.15 | |||||
| ROE % | 13.39 | |||||
| ROA % | 7.6 | |||||
| ROIC % | 11.26 | |||||
| ROC (Joel Greenblatt) % | 117.94 | |||||
| ROCE % | 12.74 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 23.86 | |||||
| PE Ratio without NRI | 23.86 | |||||
| Shiller PE Ratio | 42.03 | |||||
| Price-to-Owner-Earnings | 24.3 | |||||
| PEG Ratio | 0.85 | |||||
| PS Ratio | 2.66 | |||||
| PB Ratio | 3.28 | |||||
| Price-to-Tangible-Book | 21.59 | |||||
| Price-to-Free-Cash-Flow | 22.58 | |||||
| Price-to-Operating-Cash-Flow | 18.86 | |||||
| EV-to-EBIT | 17.3 | |||||
| EV-to-EBITDA | 12.58 | |||||
| EV-to-Revenue | 2.52 | |||||
| EV-to-FCF | 21.35 | |||||
| Price-to-Projected-FCF | 1.72 | |||||
| Price-to-DCF (Earnings Based) | 1.39 | |||||
| Price-to-DCF (FCF Based) | 0.66 | |||||
| Price-to-Median-PS-Value | 0.96 | |||||
| Price-to-Peter-Lynch-Fair-Value | 0.95 | |||||
| Price-to-Graham-Number | 4.79 | |||||
| Earnings Yield (Greenblatt) % | 5.78 | |||||
| Forward Rate of Return (Yacktman) % | 23.43 |
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 473.314 | ||
| EPS (TTM) ($) | 0.95 | ||
| Beta | 1.25 | ||
| Volatility % | 36.85 | ||
| 14-Day RSI | 42.4 | ||
| 14-Day ATR ($) | 0.952789 | ||
| 20-Day SMA ($) | 24.1445 | ||
| 12-1 Month Momentum % | -11.36 | ||
| 52-Week Range ($) | 20 - 38.32 | ||
| Shares Outstanding (Mil) | 55.11 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| 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
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||