Sapiens International NV (FRA:S3P) Interest Coverage: N/A (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
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What is Sapiens International NV Interest Coverage?

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income by its Interest Expense. Sapiens International NV's Operating Income for the three months ended in Sep. 2025 was €15.1 Mil. Sapiens International NV's Interest Expense for the three months ended in Sep. 2025 was €0.0 Mil. GuruFocus does not calculate 's interest coverage with the available data. The higher the ratio, the stronger the company's financial strength is.

The historical rank and industry rank for Sapiens International NV's Interest Coverage or its related term are showing as below:


FRA:S3P's Interest Coverage is not ranked *
in the Software industry.
Industry Median: 24.75
* Ranked among companies with meaningful Interest Coverage only.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Sapiens International NV  (FRA:S3P) Interest Coverage Explanation

Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.

Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .

Sapiens International NV Interest Coverage Related Terms

Sapiens International NV Interest Coverage Historical Data

* Premium members only.

The historical data trend for Sapiens International NV's Interest Coverage 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.

Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.

Sapiens International NV Interest Coverage Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Interest Coverage
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.47 19.77 46.60 231.80 217.47

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
Interest Coverage 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 N/A N/A N/A N/A N/A

FRA:S3P vs ALKT, VIA, PLUS: Interest Coverage Comparison

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

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

* The bar in red indicates where Sapiens International NV's Interest Coverage falls into.


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

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

If Interest Expense is negative and Operating Income is positive, then

Interest Coverage=-1* Operating Income /Interest Expense

Else if Interest Expense is negative and Operating Income is negative, then

The company did not have earnings to cover the interest expense.

Else if Interest Expense is 0 and Long-Term Debt & Capital Lease Obligation is 0, then

The company had no debt (1).


Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Sapiens International NV's Interest Coverage for the fiscal year that ended in Dec. 2024 is calculated as

Here, for the fiscal year that ended in Dec. 2024, Sapiens International NV's Interest Expense was €-0.4 Mil. Its Operating Income was €82.0 Mil. And its Long-Term Debt & Capital Lease Obligation was €35.8 Mil.

Interest Coverage=-1* Operating Income (A: Dec. 2024 )/Interest Expense (A: Dec. 2024 )
=-1*81.986/-0.377
=217.47

Sapiens International NV's Interest Coverage for the quarter that ended in Sep. 2025 is calculated as

Here, for the three months ended in Sep. 2025, Sapiens International NV's Interest Expense was €0.0 Mil. Its Operating Income was €15.1 Mil. And its Long-Term Debt & Capital Lease Obligation was €14.8 Mil.

GuruFocus does not calculate Sapiens International NV's interest coverage with the available 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.

The higher the ratio, the stronger the company's Financial Strength is.

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:

  • Interest Coverage: N/A
  • 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

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

€36.80
Price
€26.65
GF Value