Sapiens International NV (FRA:S3P) Moat Score: 5/10 (As of Aug. 02, 2026)

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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 Moat Score?

Sapiens International NV FRA:S3P 75 Moat Score is 5 as of Aug. 02, 2026. 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.

Sapiens International NV has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Sapiens International NV has Narrow Moat: Sapiens International has a solid narrow moat due to its specialized software solutions in the insurance industry, creating moderate switching costs and some customer loyalty. However, it lacks significant market dominance or strong brand strength to warrant a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Sapiens International NV might have Narrow Moat - Solid narrow moat.

Sapiens International NV  (FRA:S3P) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Sapiens International NV Moat Score Related Terms

FRA:S3P vs ALKT, VIA, PLUS: Moat Score Comparison

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

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

* The bar in red indicates where Sapiens International NV's Moat Score falls into.


FRA:S3P
75GF Score
Sapiens International Corp NV FRA:S3P
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Sapiens International NV (FRA:S3P) has a Moat Score of 5 as of Aug. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.
Is Sapiens International NV's Moat Score too high?
Sapiens International NV's current Moat Score is 5. 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 Moat Score compare to ALKT and VIA?
Sapiens International NV's Moat Score of 5 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 Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Sapiens International NV's current Moat Score is 5. 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 Moat Score of 5. 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 Moat Score is 5. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Moat Score is 5 as of Aug. 02, 2026. 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:

  • Moat Score: 5
  • 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

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

€36.80
Price
€26.65
GF Value