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Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Sapiens International NV's interest expense for the
three
months ended in Sep. 2025 was € 0.0 Mil.
Its interest expense for the trailing twelve months (TTM) ended in Sep. 2025 was €0.0 Mil.
Sapiens International NV (FRA:S3P) Interest Expense Explanation
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. The higher, the better.
Sapiens International NV's Interest Coverage for the quarter that ended in Sep. 2025 is calculated as
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.
Sapiens International NV Interest Expense Historical 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.
Sapiens International NV Interest Expense Calculation
Interest Expense is the amount reported by a company or individual as an expense for borrowed money.
Interest Expense for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was €0.0 Mil.
* 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 (FRA:S3P) has a Interest Expense of €0.0 Mil as of Sep. 2025. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's Interest Expense too high?
Sapiens International NV's current Interest Expense is €0.0 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 Interest Expense compare to ALKT and VIA?
Sapiens International NV's Interest Expense of €0.0 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 Interest Expense for a Software company?
A good Interest Expense depends on the Software industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current Interest Expense is €0.0 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 (FRA:S3P) has a current Interest Expense of €0.0 Mil. 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 Interest Expense is €0.0 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Interest Expense is €0.0 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 (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 Expense: €0.0 Mil
GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
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
Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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