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The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Sapiens International NV's current ratio for the quarter that ended in Sep. 2025 was 1.52.
Sapiens International NV has a current ratio of 1.52. It generally indicates good short-term financial strength.
The historical rank and industry rank for Sapiens International NV's Current Ratio or its related term are showing as below:
SPNS'
s Current Ratio Range Over the Past 10 Years
Min: 1.14 Med: 1.83 Max: 2.52
Current: 1.52
During the past 13 years, Sapiens International NV's highest Current Ratio was 2.52. The lowest was 1.14. And the median was 1.83.
SPNS's Current Ratio is not ranked
in the Software industry.
Industry Median: 1.8
vs SPNS: 1.52
Sapiens International NV (NAS:SPNS) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Sapiens International NV Current Ratio Related Terms
Sapiens International NV Current Ratio 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.
For the Software - Application subindustry, Sapiens International NV's Current Ratio, along with its competitors' market caps and Current Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Sapiens International NV Current Ratio vs Software Industry
For the Software industry and Technology sector, Sapiens International NV's Current Ratio distribution charts can be found below:
* The bar in red indicates where Sapiens International NV's Current Ratio falls into.
* 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 (SPNS) has a Current Ratio of 1.52 as of Sep. 2025. This is 17% below median its historical median of 1.83. Over the past decade, Sapiens International NV's Current Ratio has ranged from 1.14 to 2.52.
Is Sapiens International NV's Current Ratio too high?
Sapiens International NV's current Current Ratio of 1.52 is 17% below median its 10-year median of 1.83. Over the past 10 years, this metric has ranged from a low of 1.14 to a high of 2.52. The Software industry median Current Ratio is 1.80. Sapiens International NV's value of 1.52 is 15.6% below this industry median. 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 Current Ratio compare to ALKT and VIA?
Sapiens International NV's Current Ratio of 1.52 can be compared against companies in the Software industry. The industry median Current Ratio is 1.80. Sapiens International NV's value of 1.52 is 15.6% below this benchmark. Historically, Sapiens International NV's own Current Ratio has ranged from 1.14 to 2.52 over the past decade. While the company's 10-year median is 1.83 vs. the industry median of 1.80, Sapiens International NV has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Software company?
The median Current Ratio among Software companies is 1.80, based on 2,878 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sapiens International NV's current Current Ratio of 1.52 is 15.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median Current Ratio is 1.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sapiens International NV's current Current Ratio is 1.52, which is 17% below median its own 10-year median of 1.83. 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 Current Ratio of 1.52. 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 Current Ratio is 1.52, which is 17% below median its 10-year median of 1.83 and 15.6% below the Software industry median of 1.80. 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 Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Sapiens International NV (SPNS), the current Current Ratio is 1.52 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:
Current Ratio: 1.52 (17% below median its 10-year median of 1.83)
GF Value™: $31.47 vs. price of $43.45 (38.1% above fair value)
Industry Position: 15.6% below the Software median
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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