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* The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Sapiens International NV's PEG Ratio or its related term are showing as below:
FRA:S3P'
s PEG Ratio Range Over the Past 10 Years
Min: 0.38 Med: 1.76 Max: 72.13
Current: 2.98
During the past 13 years, Sapiens International NV's highest PEG Ratio was 72.13. The lowest was 0.38. And the median was 1.76.
FRA:S3P's PEG Ratio is not ranked
in the Software industry.
Industry Median: 1.335
vs FRA:S3P: 2.98
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Sapiens International NV (FRA:S3P) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Sapiens International NV PEG Ratio Related Terms
Sapiens International NV PEG Ratio 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.
For the Software - Application subindustry, Sapiens International NV's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Software Industry
For the Software industry and Technology sector, Sapiens International NV's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Sapiens International NV's PEG Ratio falls into.
* 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: The 5-Year EBITDA Growth Rate is the 5-year average EBITDA per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Sapiens International NV (FRA:S3P) has a PEG Ratio of 2.80 as of Aug. 02, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sapiens International NV and its competitors. This is 59% above median its historical median of 1.76. Over the past decade, Sapiens International NV's PEG Ratio has ranged from 0.38 to 72.13.
Is Sapiens International NV's PEG Ratio too high?
Sapiens International NV's current PEG Ratio of 2.80 is 59% above median its 10-year median of 1.76. Over the past 10 years, this metric has ranged from a low of 0.38 to a high of 72.13. The Software industry median PEG Ratio is 1.34. Sapiens International NV's value of 2.80 is 109.7% above this industry median. 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 PEG Ratio compare to ALKT and VIA?
Sapiens International NV's PEG Ratio of 2.80 can be compared against companies in the Software industry. The industry median PEG Ratio is 1.34. Sapiens International NV's value of 2.80 is 109.7% above this benchmark. Historically, Sapiens International NV's own PEG Ratio has ranged from 0.38 to 72.13 over the past decade. While the company's 10-year median is 1.76 vs. the industry median of 1.34, Sapiens International NV has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PEG Ratio for a Software company?
The median PEG Ratio among Software companies is 1.34, based on 816 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sapiens International NV's current PEG Ratio of 2.80 is 109.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Sapiens International NV and its competitors. For the Software industry, the median PEG Ratio is 1.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sapiens International NV's current PEG Ratio is 2.80, which is 59% above median its own 10-year median of 1.76. 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 PEG Ratio of 2.80. 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 PEG Ratio is 2.80, which is 59% above median its 10-year median of 1.76 and 109.7% above the Software industry median of 1.34. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current PEG Ratio is 2.80 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:
PEG Ratio: 2.80 (59% above median its 10-year median of 1.76)
GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
Industry Position: 109.7% above the Software median
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
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