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Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Sapiens International NV's accounts receivables for the quarter that ended in Sep. 2025 was $138.2 Mil.
Accounts receivable can be measured by Days Sales Outstanding.
Sapiens International NV's Days Sales Outstanding for the quarter that ended in Sep. 2025 was 82.79.
In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Sapiens International NV's Net-Net Working Capital per share for the quarter that ended in Sep. 2025 was $-0.79.
Sapiens International NV Accounts Receivable Explanation
1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.
Sapiens International NV's Days Sales Outstanding for the quarter that ended in Sep. 2025 is calculated as:
2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Sapiens International NV's accounts receivable are only considered to be worth 75% of book value:
Sapiens International NV's Net-Net Working Capital Per Share for the quarter that ended in Sep. 2025 is calculated as:
* 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.
Be Aware
Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.
If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.
Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.
Sapiens International NV Accounts Receivable Related Terms
Sapiens International NV Accounts Receivable Historical Data
* 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 Receivable Chart
What does a Accounts Receivable of $138.2 Mil mean?
Sapiens International NV (SPNS) has a Accounts Receivable of $138.2 Mil as of Sep. 2025. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's Accounts Receivable too high?
Sapiens International NV's current Accounts Receivable is $138.2 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 Receivable compare to ALKT and VIA?
Sapiens International NV's Accounts Receivable of $138.2 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 Receivable for a Software company?
A good Accounts Receivable depends on the Software industry context. However, Accounts Receivable 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 Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current Accounts Receivable is $138.2 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 (SPNS) has a current Accounts Receivable of $138.2 Mil. The stock's GF Value™ is $31.47, compared to a current price of $43.45 — trading 38.1% above its estimated fair value. The current Accounts Receivable is $138.2 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 Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Sapiens International NV (SPNS), the current Accounts Receivable is $138.2 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 (SPNS) Overvalued in 2026?
Based on GuruFocus' analysis, Sapiens International NV stock appears to be overvalued.
The current stock price of $43.45 is trading 38.1% above its estimated GF Value™ of $31.47.
Key valuation signals for SPNS:
Accounts Receivable: $138.2 Mil
GF Value™: $31.47 vs. price of $43.45 (38.1% above fair value)
No single metric tells the full story. See the SPNS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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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