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Sapiens International NV (FRA:S3P) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Sapiens International NV 5-Year Yield-on-Cost % Related Terms
FRA:S3P vs ALKT, VIA, PLUS: 5-Year Yield-on-Cost % Comparison
For the Software - Application subindustry, Sapiens International NV's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Software Industry
For the Software industry and Technology sector, Sapiens International NV's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Sapiens International NV's 5-Year Yield-on-Cost % falls into.
Sapiens International NV 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Sapiens International NV (FRA:S3P) has a 5-Year Yield-on-Cost % of 2.71 as of Aug. 02, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sapiens International NV and its competitors. This is 54% below median its historical median of 5.84. Over the past decade, Sapiens International NV's 5-Year Yield-on-Cost % has ranged from 1.55 to 17.80.
Is Sapiens International NV's 5-Year Yield-on-Cost % too high?
Sapiens International NV's current 5-Year Yield-on-Cost % of 2.71 is 54% below median its 10-year median of 5.84. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 17.80. The Software industry median 5-Year Yield-on-Cost % is 3.10. Sapiens International NV's value of 2.71 is 12.4% below 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 5-Year Yield-on-Cost % compare to ALKT and VIA?
Sapiens International NV's 5-Year Yield-on-Cost % of 2.71 can be compared against companies in the Software industry. The industry median 5-Year Yield-on-Cost % is 3.10. Sapiens International NV's value of 2.71 is 12.4% below this benchmark. Historically, Sapiens International NV's own 5-Year Yield-on-Cost % has ranged from 1.55 to 17.80 over the past decade. While the company's 10-year median is 5.84 vs. the industry median of 3.10, Sapiens International NV has consistently been below 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 5-Year Yield-on-Cost % for a Software company?
The median 5-Year Yield-on-Cost % among Software companies is 3.10, based on 1,014 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sapiens International NV's current 5-Year Yield-on-Cost % of 2.71 is 12.4% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Sapiens International NV and its competitors. For the Software industry, the median 5-Year Yield-on-Cost % is 3.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sapiens International NV's current 5-Year Yield-on-Cost % is 2.71, which is 54% below median its own 10-year median of 5.84. 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 5-Year Yield-on-Cost % of 2.71. 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 5-Year Yield-on-Cost % is 2.71, which is 54% below median its 10-year median of 5.84 and 12.4% below the Software industry median of 3.10. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Sapiens International NV (FRA:S3P), the current 5-Year Yield-on-Cost % is 2.71 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:
5-Year Yield-on-Cost %: 2.71 (54% below median its 10-year median of 5.84)
GF Value™: €26.65 vs. price of €36.80 (38.1% above fair value)
Industry Position: 12.4% below 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
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