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Sapiens International DB:S3P Stock Report

Last Price

€25.80

Market Cap

€1.5b

7D

-3.0%

1Y

-2.3%

Updated

30 Dec, 2024

Data

Company Financials +

Sapiens International Corporation N.V.

DB:S3P Stock Report

Market Cap: €1.5b

S3P Stock Overview

Provides software solutions for the insurance industry in North America, the United Kingdom, Europe, the Middle East, Africa, the Asia Pacific, and internationally. More details

S3P fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance5/6
Financial Health6/6
Dividends3/6

Rewards

Trading at 42.3% below our estimate of its fair value

Earnings are forecast to grow 6.38% per year

Earnings grew by 21.2% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Volatile share price over the past 3 months compared to the German market


My Notes

Capture your thoughts, links and company narrative

Sapiens International Corporation N.V. Competitors

TeamViewer

XTRA:TMV

€1.5b

Mensch und Maschine Software

XTRA:MUM

€898.9m

ATOSS Software

XTRA:AOF

€1.8b

USU Software

HMSE:OSP2

€215.8m

Price History & Performance

Summary of share price highs, lows and changes for Sapiens International
Historical stock prices
Current Share PriceUS$25.80
52 Week HighUS$37.80
52 Week LowUS$24.20
Beta1.16
1 Month Change0%
3 Month Change-22.75%
1 Year Change-2.27%
3 Year Change-16.23%
5 Year Change25.24%
Change since IPO1,080.78%

Recent News & Updates

Recent updates

Shareholder Returns

S3PDE SoftwareDE Market
7D-3.0%-0.06%0.3%
1Y-2.3%63.7%6.9%

Return vs Industry: S3P underperformed the German Software industry which returned 65.9% over the past year.

Return vs Market: S3P underperformed the German Market which returned 7.2% over the past year.

Price Volatility

Is S3P's price volatile compared to industry and market?
S3P volatility
S3P Average Weekly Movement8.2%
Software Industry Average Movement5.0%
Market Average Movement4.9%
10% most volatile stocks in DE Market11.8%
10% least volatile stocks in DE Market2.4%

Stable Share Price: S3P's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: S3P's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of German stocks.

About the Company

FoundedEmployeesCEOWebsite
19825,000Ron Al-Dorwww.sapiens.com

Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe, the Middle East, Africa, the Asia Pacific, and internationally. The company provides various solutions for property and casualty commercial and personal lines, life and pensions, and reinsurance fields. It offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; IDITGo, a pre-configured, data-enriched insurance launch and accelerator platform solutions; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement.

Sapiens International Corporation N.V. Fundamentals Summary

How do Sapiens International's earnings and revenue compare to its market cap?
S3P fundamental statistics
Market cap€1.46b
Earnings (TTM)€68.53m
Revenue (TTM)€518.13m

21.0x

P/E Ratio

2.8x

P/S Ratio

Is S3P overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
S3P income statement (TTM)
RevenueUS$538.93m
Cost of RevenueUS$305.02m
Gross ProfitUS$233.91m
Other ExpensesUS$162.62m
EarningsUS$71.29m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)1.28
Gross Margin43.40%
Net Profit Margin13.23%
Debt/Equity Ratio8.4%

How did S3P perform over the long term?

See historical performance and comparison

Dividends

2.2%

Current Dividend Yield

45%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 22:29
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sapiens International Corporation N.V. is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Danny KaplanBarclays
Tavy RosnerBarclays
Ashwin ShirvaikarCitigroup Inc