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SPNS logo

Sapiens International TASE:SPNS Stock Report

Last Price

₪101.20

Market Cap

₪5.6b

7D

-0.5%

1Y

-3.6%

Updated

22 Dec, 2024

Data

Company Financials +

Sapiens International Corporation N.V.

TASE:SPNS Stock Report

Market Cap: ₪5.6b

SPNS 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

SPNS fundamental analysis
Snowflake Score
Valuation4/6
Future Growth2/6
Past Performance4/6
Financial Health6/6
Dividends2/6

Rewards

Trading at 37.4% below our estimate of its fair value

Earnings are forecast to grow 6.38% per year

Earnings have grown 20% per year over the past 5 years

Risk Analysis

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


My Notes

Capture your thoughts, links and company narrative

Sapiens International Corporation N.V. Competitors

NICE

TASE:NICE

₪40.3b

Abra Information Technologies

TASE:ABRA

₪313.2m

Top Ramdor Systems & Computers (1990)

TASE:TOPS

₪224.6m

Matrix IT

TASE:MTRX

₪5.4b

Price History & Performance

Summary of share price highs, lows and changes for Sapiens International
Historical stock prices
Current Share PriceUS$101.20
52 Week HighUS$149.80
52 Week LowUS$94.97
Beta1.16
1 Month Change-0.88%
3 Month Change-26.13%
1 Year Change-3.62%
3 Year Change-7.07%
5 Year Change31.87%
Change since IPO532.50%

Recent News & Updates

Recent updates

Shareholder Returns

SPNSIL SoftwareIL Market
7D-0.5%-3.3%0.5%
1Y-3.6%-10.2%23.7%

Return vs Industry: SPNS exceeded the IL Software industry which returned -10.2% over the past year.

Return vs Market: SPNS underperformed the IL Market which returned 23.7% over the past year.

Price Volatility

Is SPNS's price volatile compared to industry and market?
SPNS volatility
SPNS Average Weekly Movement8.0%
Software Industry Average Movement5.1%
Market Average Movement4.2%
10% most volatile stocks in IL Market8.0%
10% least volatile stocks in IL Market3.0%

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

Volatility Over Time: SPNS's weekly volatility (8%) has been stable over the past year, but is still higher than 75% of IL 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?
SPNS fundamental statistics
Market cap₪5.65b
Earnings (TTM)₪259.46m
Revenue (TTM)₪1.96b

21.8x

P/E Ratio

2.9x

P/S Ratio

Is SPNS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SPNS 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 SPNS perform over the long term?

See historical performance and comparison

Dividends

2.1%

Current Dividend Yield

45%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 21:02
End of Day Share Price 2024/12/22 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