Sapiens International NV (FRA:S3P) E10: €0.72 (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
View Full Analysis

What is Sapiens International NV E10?

Sapiens International NV FRA:S3P 75 E10 is €0.72 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.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Sapiens International NV's adjusted earnings per share data for the three months ended in Sep. 2025 was €0.213. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.72 for the trailing ten years ended in Sep. 2025.

During the past 12 months, Sapiens International NV's average E10 Growth Rate was 11.80% per year. During the past 3 years, the average E10 Growth Rate was 17.60% per year. During the past 5 years, the average E10 Growth Rate was 17.60% per year. During the past 10 years, the average E10 Growth Rate was 34.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Sapiens International NV was 196.20% per year. The lowest was -10.80% per year. And the median was 17.80% per year.

As of today (2026-08-02), Sapiens International NV's current stock price is €36.80. Sapiens International NV's E10 for the quarter that ended in Sep. 2025 was €0.72. Sapiens International NV's Shiller PE Ratio of today is 51.11.

During the past 13 years, the highest Shiller PE Ratio of Sapiens International NV was 92.14. The lowest was 29.50. And the median was 48.60.


Sapiens International NV  (FRA:S3P) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Sapiens International NV's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=36.80/0.72
=51.11

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Sapiens International NV was 92.14. The lowest was 29.50. And the median was 48.60.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Sapiens International NV E10 Related Terms


Sapiens International NV E10 Historical Data

* Premium members only.

The historical data trend for Sapiens International NV's E10 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 E10 Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.31 0.42 0.53 0.61 0.75

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
E10 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 0.66 0.75 0.75 0.71 0.72

FRA:S3P vs ALKT, VIA, PLUS: E10 Comparison

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

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

* The bar in red indicates where Sapiens International NV's Shiller PE Ratio falls into.


FRA:S3P
75GF Score
Sapiens International Corp NV FRA:S3P
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sapiens International NV E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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.

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

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2025 (Change)*Current CPI (Sep. 2025)
=0.213/324.8000*324.8000
=0.213

Current CPI (Sep. 2025) = 324.8000.

Sapiens International NV Quarterly Data

per share eps CPI Adj_EPS
201512 0.110 236.525 0.151
201603 0.090 238.132 0.123
201606 0.098 241.018 0.132
201609 0.098 241.428 0.132
201612 0.076 241.432 0.102
201703 0.019 243.801 0.025
201706 -0.062 244.955 -0.082
201709 0.109 246.819 0.143
201712 0.059 246.524 0.078
201803 0.105 249.554 0.137
201806 0.034 251.989 0.044
201809 0.129 252.439 0.166
201812 0.062 251.233 0.080
201903 0.150 254.202 0.192
201906 0.124 256.143 0.157
201909 0.136 256.759 0.172
201912 0.189 256.974 0.239
202003 0.118 258.115 0.148
202006 0.160 257.797 0.202
202009 0.153 260.280 0.191
202012 0.123 260.474 0.153
202103 0.151 264.877 0.185
202106 0.158 271.696 0.189
202109 0.204 274.310 0.242
202112 0.221 278.802 0.257
202203 0.227 287.504 0.256
202206 0.199 296.311 0.218
202209 0.242 296.808 0.265
202212 0.227 296.797 0.248
202303 0.243 301.836 0.261
202306 0.258 305.109 0.275
202309 0.262 307.789 0.276
202312 0.275 306.746 0.291
202403 0.285 312.332 0.296
202406 0.307 314.175 0.317
202409 0.297 315.301 0.306
202412 0.306 315.605 0.315
202503 0.296 319.799 0.301
202506 0.217 322.561 0.219
202509 0.213 324.800 0.213

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €0.72 mean?
Sapiens International NV (FRA:S3P) has a E10 of €0.72 as of Sep. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's E10 too high?
Sapiens International NV's current E10 is €0.72. 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 E10 compare to ALKT and VIA?
Sapiens International NV's E10 of €0.72 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 E10 for a Software company?
A good E10 depends on the Software industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current E10 is €0.72. 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 E10 of €0.72. 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 E10 is €0.72. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current E10 is €0.72 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:

  • E10: €0.72
  • 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

Get the complete analysis for FRA:S3P

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€26.65
GF Value