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The historical rank and industry rank for Sapiens International NV's Cyclically Adjusted PB Ratio or its related term are showing as below:
FRA:S3P'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 2.75 Med: 4.98 Max: 9.04
Current: 6.32
During the past years, Sapiens International NV's highest Cyclically Adjusted PB Ratio was 9.04. The lowest was 2.75. And the median was 4.98.
FRA:S3P's Cyclically Adjusted PB Ratio is not ranked
in the Software industry.
Industry Median: 2.24
vs FRA:S3P: 6.32
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Sapiens International NV's adjusted book value per share data for the three months ended in Sep. 2025 was €7.826. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €5.82 for the trailing ten years ended in Sep. 2025.
Shiller PE for Stocks: The True Measure of Stock Valuation
Sapiens International NV (FRA:S3P) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Sapiens International NV Cyclically Adjusted PB Ratio Related Terms
Sapiens International NV Cyclically Adjusted PB Ratio Historical Data
* Premium members only.
The historical data trend for Sapiens International NV's Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio Chart
FRA:S3P vs ALKT, VIA, PLUS: Cyclically Adjusted PB Ratio Comparison
For the Software - Application subindustry, Sapiens International NV's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB 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 Cyclically Adjusted PB Ratio vs Software Industry
For the Software industry and Technology sector, Sapiens International NV's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Sapiens International NV's Cyclically Adjusted PB Ratio falls into.
Sapiens International NV Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 6.32 mean?
Sapiens International NV (FRA:S3P) has a Cyclically Adjusted PB Ratio of 6.32 as of Aug. 02, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Sapiens International NV and its competitors. This is 27% above median its historical median of 4.98. Over the past decade, Sapiens International NV's Cyclically Adjusted PB Ratio has ranged from 2.75 to 9.04.
Is Sapiens International NV's Cyclically Adjusted PB Ratio too high?
Sapiens International NV's current Cyclically Adjusted PB Ratio of 6.32 is 27% above median its 10-year median of 4.98. Over the past 10 years, this metric has ranged from a low of 2.75 to a high of 9.04. The Software industry median Cyclically Adjusted PB Ratio is 2.24. Sapiens International NV's value of 6.32 is 182.1% above 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 Cyclically Adjusted PB Ratio compare to ALKT and VIA?
Sapiens International NV's Cyclically Adjusted PB Ratio of 6.32 can be compared against companies in the Software industry. The industry median Cyclically Adjusted PB Ratio is 2.24. Sapiens International NV's value of 6.32 is 182.1% above this benchmark. Historically, Sapiens International NV's own Cyclically Adjusted PB Ratio has ranged from 2.75 to 9.04 over the past decade. While the company's 10-year median is 4.98 vs. the industry median of 2.24, Sapiens International NV has consistently been above 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 Cyclically Adjusted PB Ratio for a Software company?
The median Cyclically Adjusted PB Ratio among Software companies is 2.24, based on 1,573 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sapiens International NV's current Cyclically Adjusted PB Ratio of 6.32 is 182.1% above 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 Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Sapiens International NV and its competitors. For the Software industry, the median Cyclically Adjusted PB Ratio is 2.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sapiens International NV's current Cyclically Adjusted PB Ratio is 6.32, which is 27% above median its own 10-year median of 4.98. 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 Cyclically Adjusted PB Ratio of 6.32. 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 Cyclically Adjusted PB Ratio is 6.32, which is 27% above median its 10-year median of 4.98 and 182.1% above the Software industry median of 2.24. 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 Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Cyclically Adjusted PB Ratio is 6.32 as of Aug. 02, 2026. 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:
Cyclically Adjusted PB Ratio: 6.32 (27% above median its 10-year median of 4.98)
GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
Industry Position: 182.1% above the Software median
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 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
Get the complete analysis for FRA:S3P
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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