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Sapiens International Corporation N.V. SPNS

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Price alert · SPNS

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43.45 USD 0.00 0.00%

At close · Dec 17

43.45 0.00 0.00%

After hours · Dec 17, 4:00 PM ET

Bid
43.45 × 2
Ask
43.46 × 46
43.45 Day range 43.45

52-week range unavailable

YTD
+61.70%
1 year
+51.98%
Open
43.45
Prev close
43.45
Mkt cap
2.43B
Vol
1.24M
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
1.38%
More statistics
Low
43.45
High
43.45
Forward P/E
28.12
Beta
0.90
Short ratio
1.78
Inst. own
44.67%
Dividend
0.60
Ex-div date
Apr 6, 2025
Earnings
Nov 13, 2025
50-d avg
43.18
200-d avg
34.92
1y target
43.50

5D chart

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Financial health

Altman Z-Score

7.99 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 20.8×
FY 2015: 24.3×FY 2016: 35.8×FY 2017: 1674×FY 2018: 39.4×FY 2019: 44.2×FY 2020: 46.4×FY 2021: 40.1×FY 2022: 19.5×FY 2023: 25.6×FY 2024: 20.8×
FY 2015 5y median 25.6× FY 2024
P/S 2.8×
FY 2015: 2.6×FY 2016: 3.2×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 3.5×FY 2020: 4.1×FY 2021: 4.1×FY 2022: 2.1×FY 2023: 3.1×FY 2024: 2.8×
FY 2015 5y median 3.1× FY 2024
P/B 3.1×
FY 2015: 2.7×FY 2016: 3.6×FY 2017: 2.9×FY 2018: 2.7×FY 2019: 5.1×FY 2020: 4.1×FY 2021: 4.6×FY 2022: 2.5×FY 2023: 3.6×FY 2024: 3.1×
FY 2015 5y median 3.6× FY 2024
P/FCF 20.8×
FY 2015: 15.5×FY 2016: 44.3×FY 2017: 1069×FY 2018: 26.6×FY 2019: 23.5×FY 2020: 33.3×FY 2021: 27.5×FY 2022: 29.3×FY 2023: 22.8×FY 2024: 20.8×
FY 2015 5y median 27.5× FY 2024
EV/EBITDA 12.7×
FY 2015: 13.2×FY 2016: 18.8×FY 2017: 35.5×FY 2018: 13.1×FY 2019: 21.0×FY 2020: 22.8×FY 2021: 20.1×FY 2022: 10.9×FY 2023: 15.5×FY 2024: 12.7×
FY 2015 5y median 15.5× FY 2024
EV/Sales 2.6×
FY 2015: 2.4×FY 2016: 3.0×FY 2017: 2.2×FY 2018: 1.9×FY 2019: 3.7×FY 2020: 4.2×FY 2021: 4.0×FY 2022: 2.1×FY 2023: 3.0×FY 2024: 2.6×
FY 2015 5y median 3.0× FY 2024
FCF Yield 4.8%
FY 2015: 6.4%FY 2016: 2.3%FY 2017: 0.1%FY 2018: 3.8%FY 2019: 4.3%FY 2020: 3.0%FY 2021: 3.6%FY 2022: 3.4%FY 2023: 4.4%FY 2024: 4.8%
FY 2015 5y median 3.6% FY 2024

Profitability

Gross Margin 45.0%
FY 2015: 40.1%FY 2016: 39.7%FY 2017: 34.7%FY 2018: 37.8%FY 2019: 39.8%FY 2020: 40.7%FY 2021: 40.7%FY 2022: 42.2%FY 2023: 42.7%FY 2024: 45.0%
FY 2015 5y median 42.2% FY 2024
Operating Margin 16.8%
FY 2015: 13.1%FY 2016: 11.5%FY 2017: 0.4%FY 2018: 7.9%FY 2019: 11.6%FY 2020: 11.8%FY 2021: 12.5%FY 2022: 14.0%FY 2023: 15.3%FY 2024: 16.8%
FY 2015 5y median 14.0% FY 2024
Net Margin 13.3%
FY 2015: 10.8%FY 2016: 8.9%FY 2017: 0.1%FY 2018: 4.8%FY 2019: 8.1%FY 2020: 8.8%FY 2021: 10.2%FY 2022: 11.1%FY 2023: 12.1%FY 2024: 13.3%
FY 2015 5y median 11.1% FY 2024
ROE 15.0%
FY 2015: 11.0%FY 2016: 9.9%FY 2017: 0.2%FY 2018: 6.8%FY 2019: 11.7%FY 2020: 8.8%FY 2021: 11.6%FY 2022: 13.1%FY 2023: 14.0%FY 2024: 15.0%
FY 2015 5y median 13.1% FY 2024
ROIC 12.9%
FY 2015: 10.3%FY 2016: 9.1%FY 2017: -0.1%FY 2018: 5.5%FY 2019: 7.8%FY 2020: 6.2%FY 2021: 8.0%FY 2022: 9.7%FY 2023: 11.3%FY 2024: 12.9%
FY 2015 5y median 9.7% FY 2024
ROA 10.4%
FY 2015: 8.3%FY 2016: 7.5%FY 2017: 0.1%FY 2018: 3.6%FY 2019: 5.8%FY 2020: 4.7%FY 2021: 6.6%FY 2022: 7.9%FY 2023: 9.1%FY 2024: 10.4%
FY 2015 5y median 7.9% FY 2024

Growth (YoY)

Revenue 5.4%
FY 2015: 17.9%FY 2016: 16.5%FY 2017: 24.5%FY 2018: 7.6%FY 2019: 12.4%FY 2020: 17.6%FY 2021: 20.4%FY 2022: 3.0%FY 2023: 8.4%FY 2024: 5.4%
FY 2015 FY 2024
Operating Income 15.9%
FY 2015: 63.4%FY 2016: 2.0%FY 2017: -96.0%FY 2018: 2197.6%FY 2019: 64.5%FY 2020: 18.8%FY 2021: 27.7%FY 2022: 15.7%FY 2023: 18.6%FY 2024: 15.9%
FY 2015 FY 2024
EPS (diluted) 15.2%
FY 2015: 36.7%FY 2016: -4.9%FY 2017: -98.2%FY 2018: 3900.0%FY 2019: 85.7%FY 2020: 25.0%FY 2021: 30.8%FY 2022: 11.8%FY 2023: 17.9%FY 2024: 15.2%
FY 2015 FY 2024
Free Cash Flow 2.9%
FY 2015: 125.7%FY 2016: -49.9%FY 2017: -96.5%FY 2018: 3623.1%FY 2019: 137.7%FY 2020: -4.1%FY 2021: 46.1%FY 2022: -49.4%FY 2023: 102.0%FY 2024: 2.9%
FY 2015 FY 2024

Financial Health

Current Ratio 2.2×
FY 2015: 2.1×FY 2016: 2.5×FY 2017: 1.9×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.8×FY 2021: 2.0×FY 2022: 2.0×FY 2023: 2.1×FY 2024: 2.2×
FY 2015 5y median 2.0× FY 2024
Quick Ratio 2.2×
FY 2015: 2.1×FY 2016: 2.5×FY 2017: 2.0×FY 2018: 1.6×FY 2019: 1.4×FY 2020: 1.8×FY 2021: 2.1×FY 2022: 2.0×FY 2023: 2.1×FY 2024: 2.2×
FY 2015 5y median 2.1× FY 2024
Debt / Equity 0.1×
FY 2015: 0.1×FY 2016: 0.1×FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 0.5×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.2×FY 2024: 0.1×
FY 2015 5y median 0.3× FY 2024
Net Debt / EBITDA -0.9×
FY 2015: -1.2×FY 2016: -1.3×FY 2017: 0.4×FY 2018: 0.3×FY 2019: 0.9×FY 2020: 0.4×FY 2021: -0.5×FY 2022: -0.5×FY 2023: -0.4×FY 2024: -0.9×
FY 2015 5y median -0.5× FY 2024
Interest Coverage 231×
FY 2015: 155×FY 2016: 92.0×FY 2017: 0.6×FY 2018: 7.1×FY 2019: 12.5×FY 2020: 8.0×FY 2021: 15.2×FY 2022: 42.3×FY 2023: 232×FY 2024: 231×
FY 2015 5y median 42.3× FY 2024

Dividends

Dividend Yield 2.1%
FY 2015: 1.5%FY 2016: 1.4%FY 2017: 1.7%FY 2018: 1.8%FY 2019: 1.0%FY 2020: 0.4%FY 2021: 1.1%FY 2022: 3.8%FY 2023: 1.8%FY 2024: 2.1%
FY 2015 5y median 1.8% FY 2024
Payout Ratio 44.1%
FY 2015: 35.9%FY 2016: 50.6%FY 2017: 2798.6%FY 2018: 72.4%FY 2019: 41.9%FY 2020: 20.9%FY 2021: 42.9%FY 2022: 73.4%FY 2023: 45.1%FY 2024: 44.1%
FY 2015 5y median 44.1% FY 2024

Annual · latest fiscal year ends 2024-12-31