Sapiens International Corporation N.V.

DB:S3P Stock Report

Market Cap: €2.1b

This company listing is no longer active

This company may still be operating, however this listing is no longer active. Find out why through their latest events.

Sapiens International Valuation

Is S3P undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of S3P when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

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Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: S3P (€36.8) is trading above our estimate of fair value (€14.35)

Significantly Below Future Cash Flow Value: S3P is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for S3P?

Key metric: As S3P is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for S3P. This is calculated by dividing S3P's market cap by their current earnings.
What is S3P's PE Ratio?
PE Ratio37.8x
EarningsUS$64.34m
Market CapUS$2.43b

Price to Earnings Ratio vs Peers

How does S3P's PE Ratio compare to its peers?

The above table shows the PE ratio for S3P vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.4x
AOF ATOSS Software
33.4x11.54%€1.6b
TMV TeamViewer
7.7x10.72%€894.7m
MUM Mensch und Maschine Software
25.2x13.77%€731.8m
1INN innoscripta
23.3x26.81%€908.0m
S3P Sapiens International
37.8x13.71%€2.4b

Price-To-Earnings vs Peers: S3P is expensive based on its Price-To-Earnings Ratio (37.8x) compared to the peer average (23.4x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does S3P's PE Ratio compare vs other companies in the European Software Industry?

9 CompaniesPrice / EarningsEstimated GrowthMarket Cap
S3P 37.8xIndustry Avg. 26.0xNo. of Companies19PE020406080100+
9 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: S3P is expensive based on its Price-To-Earnings Ratio (37.8x) compared to the European Software industry average (25.8x).

Price to Earnings Ratio vs Fair Ratio

What is S3P's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

S3P PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio37.8x
Fair PE Ratio26.9x

Price-To-Earnings vs Fair Ratio: S3P is expensive based on its Price-To-Earnings Ratio (37.8x) compared to the estimated Fair Price-To-Earnings Ratio (26.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

€36.84
Fair Value
0.1% undervalued intrinsic discount
1
Number of Analysts

Analyst Forecast: Insufficient data to show price forecast.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/12/18 20:25
End of Day Share Price 2025/12/16 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

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.

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 Github.

Analyst Sources

Sapiens International Corporation N.V. is covered by 7 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tavy RosnerBarclays
Danny KaplanBarclays
Ashwin ShirvaikarCitigroup Inc