SPNS (Sapiens International NV) LT-Debt-to-Total-Asset: 0.02 (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 LT-Debt-to-Total-Asset?

Sapiens International NV SPNS 75 LT-Debt-to-Total-Asset is 0.02 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Sapiens International NV's long-term debt to total assests ratio for the quarter that ended in Sep. 2025 was 0.02.

Sapiens International NV's long-term debt to total assets ratio declined from Sep. 2024 (0.06) to Sep. 2025 (0.02). It may suggest that Sapiens International NV is progressively becoming less dependent on debt to grow their business.

Sapiens International NV  (NAS:SPNS) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Sapiens International NV LT-Debt-to-Total-Asset Related Terms

Sapiens International NV LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Sapiens International NV's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.21 0.17 0.13 0.09 0.05

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
LT-Debt-to-Total-Asset 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 0.06 0.05 0.02 0.03 0.02
SPNS
75GF Score
Sapiens International Corp NV SPNS
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Sapiens International NV LT-Debt-to-Total-Asset Calculation

Sapiens International NV's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2024 is calculated as

LT Debt to Total Assets (A: Dec. 2024 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2024 )/Total Assets (A: Dec. 2024 )
=37.511/691.711
=0.05

Sapiens International NV's Long-Term Debt to Total Asset Ratio for the quarter that ended in Sep. 2025 is calculated as

LT Debt to Total Assets (Q: Sep. 2025 )=Long-Term Debt & Capital Lease Obligation (Q: Sep. 2025 )/Total Assets (Q: Sep. 2025 )
=17.376/743.69
=0.02

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.02 mean?
Sapiens International NV (SPNS) has a LT-Debt-to-Total-Asset of 0.02 as of Sep. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sapiens International NV and its competitors.
Is Sapiens International NV's LT-Debt-to-Total-Asset too high?
Sapiens International NV's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset compare to ALKT and VIA?
Sapiens International NV's LT-Debt-to-Total-Asset of 0.02 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 LT-Debt-to-Total-Asset for a Software company?
A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sapiens International NV and its competitors. Sapiens International NV's current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset of 0.02. 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 LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Sapiens International NV (SPNS), the current LT-Debt-to-Total-Asset is 0.02 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:

  • LT-Debt-to-Total-Asset: 0.02
  • 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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.45
Price
$31.47
GF Value