Sapiens International NV (FRA:S3P) Accounts Payable: €11.3 Mil (As of Sep. 2025)

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FRA:S3P Sapiens International Corp NV FRA:S3P
75 GF Score
Price €36.80
GF Value €26.65
! 5 Warning Signs
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What is Sapiens International NV Accounts Payable?

Sapiens International NV FRA:S3P 75 Accounts Payable is €11.3 Mil as of Sep. 2025. GuruFocus rates FRA:S3P with a GF Score™ of 75/100 and a GF Value™ of €26.65. The stock has 5 warning signs investors should review.

Sapiens International NV's Accounts Payable for the quarter that ended in Sep. 2025 was €11.3 Mil.

Sapiens International NV's quarterly Accounts Payable increased from Mar. 2025 (€7.8 Mil) to Jun. 2025 (€10.1 Mil) and increased from Jun. 2025 (€10.1 Mil) to Sep. 2025 (€11.3 Mil).

Sapiens International NV's annual Accounts Payable declined from Dec. 2022 (€8.9 Mil) to Dec. 2023 (€5.8 Mil) but then increased from Dec. 2023 (€5.8 Mil) to Dec. 2024 (€8.0 Mil).

Sapiens International NV Accounts Payable Related Terms

Sapiens International NV Accounts Payable Historical Data

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The historical data trend for Sapiens International NV's Accounts Payable can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sapiens International NV Accounts Payable Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Accounts Payable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.43 4.43 8.89 5.77 8.04

Sapiens International NV Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Accounts Payable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.41 8.04 7.85 10.07 11.26
FRA:S3P
75GF Score
Sapiens International Corp NV FRA:S3P
Accounts Payable is just one metric. See GF Score™, valuation, warning signs, and more.
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Sapiens International NV Accounts Payable Calculation

Accounts Payable represents any money that a company owes its suppliers for goods and services purchased on credit and is expected to pay within the next year or operating cycle.

Frequently Asked Questions Learn more about Accounts Payable →
What does a Accounts Payable of €11.3 Mil mean?
Sapiens International NV (FRA:S3P) has a Accounts Payable of €11.3 Mil as of Sep. 2025. Accounts Payable is any money that a company owes for goods and services purchased on credit and is expected to pay within the next year. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's Accounts Payable too high?
Sapiens International NV's current Accounts Payable is €11.3 Mil. Overall, Sapiens International NV has a GF Score™ of 75/100, reflecting its overall financial health beyond just this single metric.
How does Sapiens International NV's Accounts Payable compare to ALKT and VIA?
Sapiens International NV's Accounts Payable of €11.3 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Payable for a Software company?
A good Accounts Payable depends on the Software industry context. However, Accounts Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Payable mean?
A high Accounts Payable can signal that a stock is expensive relative to its fundamentals. Accounts Payable is any money that a company owes for goods and services purchased on credit and is expected to pay within the next year. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current Accounts Payable is €11.3 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sapiens International NV stock overvalued right now?
Sapiens International NV (FRA:S3P) has a current Accounts Payable of €11.3 Mil. The stock's GF Value™ is €26.65, compared to a current price of €36.80 — trading 38.1% above its estimated fair value. The current Accounts Payable is €11.3 Mil. Sapiens International NV's overall GF Score™ is 75/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Payable calculated?
Accounts Payable is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Accounts Payable is €11.3 Mil as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sapiens International NV (FRA:S3P) Overvalued in 2026?

Based on GuruFocus' analysis, Sapiens International NV stock appears to be overvalued. The current stock price of €36.80 is trading 38.1% above its estimated GF Value™ of €26.65.

Key valuation signals for FRA:S3P:

  • Accounts Payable: €11.3 Mil
  • GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
  • GF Score™: 75/100 with 5 warning signs

No single metric tells the full story. See the FRA:S3P stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sapiens International NV Business Description

Address 26 Harokmim Street, Azrieli Center, Holon, ISR, 5885800
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.
75GF Score

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Accounts Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€26.65
GF Value