Sapiens International NV (FRA:S3P) Cyclically Adjusted PS Ratio: 5.05 (As of Aug. 02, 2026) — 20% Above Median

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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 Cyclically Adjusted PS Ratio?

Sapiens International NV FRA:S3P 75 Cyclically Adjusted PS Ratio is 5.05 as of Aug. 02, 2026, which is 20% above its 10-year median of 4.20. 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.

As of today (2026-08-02), Sapiens International NV's current share price is €36.80. Sapiens International NV's Cyclically Adjusted Revenue per Share for the quarter that ended in Sep. 2025 was €7.28. Sapiens International NV's Cyclically Adjusted PS Ratio for today is 5.05.

The historical rank and industry rank for Sapiens International NV's Cyclically Adjusted PS Ratio or its related term are showing as below:

FRA:S3P' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.39   Med: 4.2   Max: 7.64
Current: 5.05

During the past years, Sapiens International NV's highest Cyclically Adjusted PS Ratio was 7.64. The lowest was 2.39. And the median was 4.20.

FRA:S3P's Cyclically Adjusted PS Ratio is not ranked
in the Software industry.
Industry Median: 1.645 vs FRA:S3P: 5.05

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Sapiens International NV's adjusted revenue per share data for the three months ended in Sep. 2025 was €2.300. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is €7.28 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 PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Sapiens International NV Cyclically Adjusted PS Ratio Related Terms


Sapiens International NV Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Sapiens International NV's Cyclically Adjusted PS 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 PS Ratio Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 6.47 6.12 2.84 4.00 3.37

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
Cyclically Adjusted PS Ratio 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 4.75 3.37 3.30 3.48 5.00

FRA:S3P vs ALKT, VIA, PLUS: Cyclically Adjusted PS Ratio Comparison

For the Software - Application subindustry, Sapiens International NV's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Software Industry

For the Software industry and Technology sector, Sapiens International NV's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Sapiens International NV's Cyclically Adjusted PS Ratio falls into.


FRA:S3P
75GF Score
Sapiens International Corp NV FRA:S3P
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Sapiens International NV Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Sapiens International NV's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=36.80/7.28
=5.05

* 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's Cyclically Adjusted Revenue per Share for the quarter that ended in Sep. 2025 is calculated as:

For example, Sapiens International NV's adjusted Revenue per Share data for the three months ended in Sep. 2025 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=2.3/324.8000*324.8000
=2.300

Current CPI (Sep. 2025) = 324.8000.

Sapiens International NV Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201512 0.902 236.525 1.239
201603 0.898 238.132 1.225
201606 0.949 241.018 1.279
201609 1.010 241.428 1.359
201612 1.084 241.432 1.458
201703 1.057 243.801 1.408
201706 1.251 244.955 1.659
201709 1.243 246.819 1.636
201712 1.176 246.524 1.549
201803 1.151 249.554 1.498
201806 1.235 251.989 1.592
201809 1.252 252.439 1.611
201812 1.275 251.233 1.648
201903 1.350 254.202 1.725
201906 1.393 256.143 1.766
201909 1.479 256.759 1.871
201912 1.530 256.974 1.934
202003 1.604 258.115 2.018
202006 1.615 257.797 2.035
202009 1.607 260.280 2.005
202012 1.525 260.474 1.902
202103 1.657 264.877 2.032
202106 1.709 271.696 2.043
202109 1.801 274.310 2.132
202112 1.895 278.802 2.208
202203 1.921 287.504 2.170
202206 2.019 296.311 2.213
202209 2.162 296.808 2.366
202212 2.032 296.797 2.224
202303 2.096 301.836 2.255
202306 2.131 305.109 2.269
202309 2.194 307.789 2.315
202312 2.146 306.746 2.272
202403 2.206 312.332 2.294
202406 2.263 314.175 2.340
202409 2.193 315.301 2.259
202412 2.284 315.605 2.351
202503 2.247 319.799 2.282
202506 2.190 322.561 2.205
202509 2.300 324.800 2.300

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

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 PS Ratio of 5.05 mean?
Sapiens International NV (FRA:S3P) has a Cyclically Adjusted PS Ratio of 5.05 as of Aug. 02, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Sapiens International NV and its competitors. This is 20% above median its historical median of 4.20. Over the past decade, Sapiens International NV's Cyclically Adjusted PS Ratio has ranged from 2.39 to 7.64.
Is Sapiens International NV's Cyclically Adjusted PS Ratio too high?
Sapiens International NV's current Cyclically Adjusted PS Ratio of 5.05 is 20% above median its 10-year median of 4.20. Over the past 10 years, this metric has ranged from a low of 2.39 to a high of 7.64. The Software industry median Cyclically Adjusted PS Ratio is 1.65. Sapiens International NV's value of 5.05 is 207% 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 PS Ratio compare to ALKT and VIA?
Sapiens International NV's Cyclically Adjusted PS Ratio of 5.05 can be compared against companies in the Software industry. The industry median Cyclically Adjusted PS Ratio is 1.65. Sapiens International NV's value of 5.05 is 207% above this benchmark. Historically, Sapiens International NV's own Cyclically Adjusted PS Ratio has ranged from 2.39 to 7.64 over the past decade. While the company's 10-year median is 4.20 vs. the industry median of 1.65, 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 PS Ratio for a Software company?
The median Cyclically Adjusted PS Ratio among Software companies is 1.65, based on 1,590 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS 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 PS Ratio of 5.05 is 207% 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 PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue 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 PS Ratio is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sapiens International NV's current Cyclically Adjusted PS Ratio is 5.05, which is 20% above median its own 10-year median of 4.20. 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 PS Ratio of 5.05. 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 PS Ratio is 5.05, which is 20% above median its 10-year median of 4.20 and 207% above the Software industry median of 1.65. 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 PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Cyclically Adjusted PS Ratio is 5.05 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 PS Ratio: 5.05 (20% above median its 10-year median of 4.20)
  • GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
  • GF Score™: 75/100 with 5 warning signs
  • Industry Position: 207% 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 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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Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€26.65
GF Value