SPNS (Sapiens International NV) Ending Cash Position: $82.2 Mil (As of Sep. 2025)

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SPNS Sapiens International Corp NV SPNS
75 GF Score
Price $43.45
GF Value $31.47
! 5 Warning Signs
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What is Sapiens International NV Ending Cash Position?

Sapiens International NV SPNS 75 Ending Cash Position is $82.2 Mil as of Sep. 2025. GuruFocus rates SPNS with a GF Score™ of 75/100 and a GF Value™ of $31.47. The stock has 5 warning signs investors should review.

Sapiens International NV's Ending Cash Position for the quarter that ended in Sep. 2025 was $82.2 Mil.

Sapiens International NV's quarterly Ending Cash Position declined from Mar. 2025 ($143.4 Mil) to Jun. 2025 ($64.5 Mil) but then increased from Jun. 2025 ($64.5 Mil) to Sep. 2025 ($82.2 Mil).

Sapiens International NV's annual Ending Cash Position declined from Dec. 2022 ($160.3 Mil) to Dec. 2023 ($126.7 Mil) but then increased from Dec. 2023 ($126.7 Mil) to Dec. 2024 ($163.7 Mil).

Sapiens International NV Ending Cash Position Related Terms

Sapiens International NV Ending Cash Position Historical Data

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The historical data trend for Sapiens International NV's Ending Cash Position 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 Ending Cash Position Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Ending Cash Position
Get a 7-Day Free Trial Premium Member Only Premium Member Only 152.56 190.24 160.29 126.72 163.69

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
Ending Cash Position 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 146.15 163.69 143.36 64.54 82.20
SPNS
75GF Score
Sapiens International Corp NV SPNS
Ending Cash Position is just one metric. See GF Score™, valuation, warning signs, and more.
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Sapiens International NV Ending Cash Position Calculation

Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. It is equal to the Beginning Cash Position plus the Net Change in Cash.

Sapiens International NV's Ending Cash Position for the fiscal year that ended in Dec. 2024 is calculated as

Ending Cash Position= Beginning Cash Position+Net Change in Cash
=126.716+36.974
=163.7

Sapiens International NV's Ending Cash Position for the quarter that ended in Sep. 2025 is calculated as

Ending Cash Position=Beginning Cash Position+Net Change in Cash
=64.541+17.659
=82.2

Frequently Asked Questions Learn more about Ending Cash Position →
What does a Ending Cash Position of $82.2 Mil mean?
Sapiens International NV (SPNS) has a Ending Cash Position of $82.2 Mil as of Sep. 2025. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's Ending Cash Position too high?
Sapiens International NV's current Ending Cash Position is $82.2 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 Ending Cash Position compare to ALKT and VIA?
Sapiens International NV's Ending Cash Position of $82.2 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 Ending Cash Position for a Software company?
A good Ending Cash Position depends on the Software industry context. However, Ending Cash Position 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 Ending Cash Position mean?
A high Ending Cash Position can signal that a stock is expensive relative to its fundamentals. Ending Cash Position is the cash and cash equivalents balance at the end of the accounting period, as indicated on the Cash Flow statement. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current Ending Cash Position is $82.2 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 Ending Cash Position of $82.2 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 Ending Cash Position is $82.2 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 Ending Cash Position calculated?
Ending Cash Position is calculated from a company's financial statements. For Sapiens International NV (SPNS), the current Ending Cash Position is $82.2 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:

  • Ending Cash Position: $82.2 Mil
  • GF Value™: $31.47 vs. price of $43.45 (38.1% above fair value)
  • GF Score™: 75/100 with 5 warning signs

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

$43.45
Price
$31.47
GF Value