Sapiens International NV (FRA:S3P) Total Liabilities: €184.5 Mil (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 Total Liabilities?

Sapiens International NV FRA:S3P 75 Total Liabilities is €184.5 Mil as of Sep. 2025. 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's Total Liabilities for the quarter that ended in Sep. 2025 was €184.5 Mil.

Sapiens International NV's quarterly Total Liabilities declined from Mar. 2025 (€221.67 Mil) to Jun. 2025 (€197.26 Mil) and declined from Jun. 2025 (€197.26 Mil) to Sep. 2025 (€184.46 Mil).

Sapiens International NV's annual Total Liabilities declined from Dec. 2022 (€250.62 Mil) to Dec. 2023 (€219.78 Mil) and declined from Dec. 2023 (€219.78 Mil) to Dec. 2024 (€202.54 Mil).

Sapiens International NV Total Liabilities Historical Data

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The historical data trend for Sapiens International NV's Total Liabilities 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 Total Liabilities Chart

Sapiens International NV Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 271.64 271.05 250.62 219.78 202.54

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
Total Liabilities 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 191.00 202.54 221.67 197.26 184.46
FRA:S3P
75GF Score
Sapiens International Corp NV FRA:S3P
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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Sapiens International NV Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

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

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=142.852+(35.823+9.865
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+6.589+7.409+0)
=202.5

Total Liabilities=Total Assets (A: Dec. 2024 )-Total Equity (A: Dec. 2024 )
=660.584-458.046
=202.5

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

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=141.446+(14.804+9.807
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+10.488+7.911+0)
=184.5

Total Liabilities=Total Assets (Q: Sep. 2025 )-Total Equity (Q: Sep. 2025 )
=633.624-449.168
=184.5

* 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 Total Liabilities →
What does a Total Liabilities of €184.5 Mil mean?
Sapiens International NV (FRA:S3P) has a Total Liabilities of €184.5 Mil as of Sep. 2025. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Sapiens International NV and its competitors.
Is Sapiens International NV's Total Liabilities too high?
Sapiens International NV's current Total Liabilities is €184.5 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 Total Liabilities compare to ALKT and VIA?
Sapiens International NV's Total Liabilities of €184.5 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 Total Liabilities for a Software company?
A good Total Liabilities depends on the Software industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for Sapiens International NV and its competitors. Sapiens International NV's current Total Liabilities is €184.5 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 Total Liabilities of €184.5 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 Total Liabilities is €184.5 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current Total Liabilities is €184.5 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:

  • Total Liabilities: €184.5 Mil
  • 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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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€36.80
Price
€26.65
GF Value