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	5.87	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	27.89
	9-Day RSI	37.8
	14-Day RSI	43.56
	6-1 Month Momentum %	17.8
	12-1 Month Momentum %	45.38

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 %	1.79
	Dividend Payout Ratio	0.38
	3-Year Dividend Growth Rate	53.9
	Forward Dividend Yield %	1.86
	5-Year Yield-on-Cost %	6.6
	3-Year Average Share Buyback Ratio	-0.6
	Shareholder Yield %	3.68

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	26.82
	PE Ratio without NRI	22.42
	Shiller PE Ratio	44.84
	Price-to-Owner-Earnings	25.74
	PEG Ratio	1.45
	PS Ratio	3.26
	PB Ratio	3.74
	Price-to-Tangible-Book	12.89
	Price-to-Free-Cash-Flow	23.87
	Price-to-Operating-Cash-Flow	21.1
	EV-to-EBIT	19.86
	EV-to-EBITDA	15.62
	EV-to-Revenue	3.04
	EV-to-FCF	22.33
	Price-to-Projected-FCF	1.9
	Price-to-DCF (Earnings Based)	0.8
	Price-to-DCF (FCF Based)	0.76
	Price-to-Median-PS-Value	1.11
	Price-to-Peter-Lynch-Fair-Value	1.27
	Price-to-Graham-Number	3.58
	Price-to-Net-Current-Asset-Value	23.11
	Earnings Yield (Greenblatt) %	5.04
	FCF Yield %	4.19
	Forward Rate of Return (Yacktman) %	20.96

Financials (Next Earnings Date:2024-05-03 Est.)

Annual Quarterly TTM

SPNS's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

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

No Enough Data

Guru Trades

See Details

Insider Trades

See Details

Gurus Latest Trades with NAS:SPNS

No Available Data

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	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Sapiens International Corp NV Executives

Details

GF Value: $29.12

SPNS

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Medium warning signs with SPNS. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	514.584
	EPS (TTM) ($)	1.12
	Beta	1.12
	Volatility %	34.54
	14-Day RSI	43.56
	14-Day ATR ($)	0.911248
	20-Day SMA ($)	31.406
	12-1 Month Momentum %	45.38
	52-Week Range ($)	19.91 - 35.33
	Shares Outstanding (Mil)	55.73

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	8
	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($)
No Event Data

Sapiens International Corp NV Frequently Asked Questions

What is Sapiens International Corp NV(SPNS)'s stock price today?

The current price of SPNS is $30.04. The 52 week high of SPNS is $35.33 and 52 week low is $19.91.

When is next earnings date of Sapiens International Corp NV(SPNS)?

The next earnings date of Sapiens International Corp NV(SPNS) is 2024-05-03 Est..

Does Sapiens International Corp NV(SPNS) pay dividends? If so, how much?

The Dividend Yield % of Sapiens International Corp NV(SPNS) is 1.79% (As of Today), Highest Dividend Payout Ratio of Sapiens International Corp NV(SPNS) was 5.26. The lowest was 0.22. And the median was 0.46. The Forward Dividend Yield % of Sapiens International Corp NV(SPNS) is 1.86%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

Headlines

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