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Sapiens International Future Growth
Future criteria checks 1/6
Sapiens International is forecast to grow earnings and revenue by 13.7% and 7.6% per annum respectively while EPS is expected to grow by 12.4% per annum.
Key information
13.7%
Earnings growth rate
12.36%
EPS growth rate
| Software earnings growth | 20.4% |
| Revenue growth rate | 7.6% |
| Future return on equity | n/a |
| Analyst coverage | Low |
| Last updated | 17 Dec 2025 |
Recent future growth updates
Recent updates
Narrative Update • Dec 18
SPNS: Private Ownership And Leadership Transition Will Shape Future Profitability Outlook
Analysts have raised their price target on Sapiens International from 37.25 dollars to 43.50 dollars, citing slightly improved margin expectations and a higher projected future earnings multiple, despite marginally lower revenue growth forecasts. What's in the News Advent International completed the acquisition of a 56.5% stake in Sapiens for approximately $1.4 billion at $43.50 per share, and Sapiens has been delisted to operate as a private company, with Formula Systems retaining a minority stake (Key Developments).Narrative Update • Aug 15
SaaS Transition And AI Integration Will Improve Market Position
The consensus analyst price target for Sapiens International has increased to $37.25, primarily reflecting improved revenue growth expectations and a higher future P/E multiple. What's in the News Advent International entered into a definitive agreement to acquire a 56.5% stake in Sapiens International for $1.4 billion ($43.5 per share), valuing the company at approximately $2.48 billion; following completion, Sapiens will be taken private, with the deal expected to close in Q4 2025 or Q1 2026, subject to shareholder and regulatory approvals (Key Developments, 2025-08-13).Analysis Article • Aug 04
We Like These Underlying Return On Capital Trends At Sapiens International (NASDAQ:SPNS)
If you're not sure where to start when looking for the next multi-bagger, there are a few key trends you should keep an...Seeking Alpha • Jul 28
Sapiens Ups Growth Estimate But Earnings Are Flat
Summary I maintain a Hold rating on Sapiens International Corporation N.V. due to improved revenue growth but stagnant earnings and rising expenses. SPNS is valued at a significant discount to SaaS peers, reflecting its slower growth outlook despite strong profitability and conservative capital allocation. The company’s transition to cloud and focus on Life & Annuity customers may drive future growth, but meaningful earnings improvement is unlikely before 2026. Industry conditions are stabilizing, so I'm holding out for improved results in 2026. Read the full article on Seeking AlphaAnalysis Article • Jul 23
Is Sapiens International Corporation N.V. (NASDAQ:SPNS) Potentially Undervalued?
Sapiens International Corporation N.V. ( NASDAQ:SPNS ), might not be a large cap stock, but it received a lot of...Analysis Article • May 25
Sapiens International (NASDAQ:SPNS) Has A Rock Solid Balance Sheet
Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...Analysis Article • Apr 24
Here's Why We Think Sapiens International (NASDAQ:SPNS) Is Well Worth Watching
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Apr 11
Is It Time To Consider Buying Sapiens International Corporation N.V. (NASDAQ:SPNS)?
While Sapiens International Corporation N.V. ( NASDAQ:SPNS ) might not have the largest market cap around , it saw...Analysis Article • Mar 24
Sapiens International Corporation N.V.'s (NASDAQ:SPNS) Shareholders Might Be Looking For Exit
With a price-to-earnings (or "P/E") ratio of 20.9x Sapiens International Corporation N.V. ( NASDAQ:SPNS ) may be...Seeking Alpha • Mar 14
Sapiens Faces Headwinds To Upside Catalysts
Summary Sapiens beat Q4 2024 earnings estimates but missed revenue expectations. The insurance software market is projected to grow significantly, driven by efficiency needs and complex regulations, with Sapiens focusing on P&C insurance firms. Despite increased investments in sales and marketing, Sapiens' revenue growth guidance for 2025 is only 2.4%, but with operating margins expected to improve. Sapiens is valued at a discount to peers due to lower growth rates, but its transition to a SaaS platform could enhance long-term revenue and customer retention. The company is encountering headwinds in growth and Forex changes, so my outlook is a Hold on SPNS for now. Read the full article on Seeking AlphaAnalysis Article • Feb 19
Are Sapiens International Corporation N.V. (NASDAQ:SPNS) Investors Paying Above The Intrinsic Value?
Key Insights Using the 2 Stage Free Cash Flow to Equity, Sapiens International fair value estimate is US$21.96 Current...Analysis Article • Jan 03
We Like These Underlying Return On Capital Trends At Sapiens International (NASDAQ:SPNS)
If you're looking for a multi-bagger, there's a few things to keep an eye out for. Amongst other things, we'll want to...Analysis Article • Dec 17
Is It Time To Consider Buying Sapiens International Corporation N.V. (NASDAQ:SPNS)?
While Sapiens International Corporation N.V. ( NASDAQ:SPNS ) might not have the largest market cap around , it saw...Analysis Article • Nov 19
Some Sapiens International Corporation N.V. (NASDAQ:SPNS) Shareholders Look For Exit As Shares Take 25% Pounding
Sapiens International Corporation N.V. ( NASDAQ:SPNS ) shareholders that were waiting for something to happen have been...Analysis Article • Nov 14
Sapiens International Corporation N.V. Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
The analysts might have been a bit too bullish on Sapiens International Corporation N.V. ( NASDAQ:SPNS ), given that...Analysis Article • Nov 07
Is Sapiens International (NASDAQ:SPNS) A Risky Investment?
Warren Buffett famously said, 'Volatility is far from synonymous with risk.' When we think about how risky a company...Seeking Alpha • Oct 13
Sapiens International: Great Execution Continues
Summary Sapiens International's revenue model taking effect understates revenue growth slightly. It continues to look good in terms of ARR. New logo wins come in, and growth for a while longer looks assured as the company fires shots into the Tier 1 insurers wallets. On a relative basis, the company looks quite attractively valued, and it may be interesting as a GARP play. Probably deserves a watchlist spot at this point. This sort of recurring revenue model that it is embracing may also be something that attracts an acquisition exit at some point, once rumored earlier in the year. Read the full article on Seeking AlphaAnalysis Article • Oct 01
Returns On Capital Are Showing Encouraging Signs At Sapiens International (NASDAQ:SPNS)
There are a few key trends to look for if we want to identify the next multi-bagger. Firstly, we'll want to see a...
New Narrative • Sep 11
Shifting To SaaS And Calculated Partnerships Power Revenue And Innovation Surge
Transition to a SaaS model with an emphasis on AI and digital transformation through strategic partnerships is aimed at boosting revenue predictability and market share.Analysis Article • Aug 27
Sapiens International (NASDAQ:SPNS) Is Increasing Its Dividend To $0.29
Sapiens International Corporation N.V. ( NASDAQ:SPNS ) has announced that it will be increasing its dividend from last...Analysis Article • Aug 16
Do Sapiens International's (NASDAQ:SPNS) Earnings Warrant Your Attention?
For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...Analysis Article • Jul 31
Should You Investigate Sapiens International Corporation N.V. (NASDAQ:SPNS) At US$39.33?
While Sapiens International Corporation N.V. ( NASDAQ:SPNS ) might not have the largest market cap around , it saw a...Analysis Article • Jul 14
Estimating The Fair Value Of Sapiens International Corporation N.V. (NASDAQ:SPNS)
Key Insights The projected fair value for Sapiens International is US$40.09 based on 2 Stage Free Cash Flow to Equity...Seeking Alpha • Jul 04
Sapiens International: Strategic Innovations And Growth Prospects, Bullish Outlook
Summary Sapiens International has potential for growth due to its AI-based insurance platform and improved artificial intelligence capabilities. The company has shown steady revenue growth and improved profit margins in recent quarters. Challenges include global economic uncertainties and long sales cycles, but strategic initiatives position the company for future success. Read the full article on Seeking AlphaAnalysis Article • Jul 02
We Think Sapiens International (NASDAQ:SPNS) Can Manage Its Debt With Ease
Legendary fund manager Li Lu (who Charlie Munger backed) once said, 'The biggest investment risk is not the volatility...Analysis Article • Jun 04
Sapiens International (NASDAQ:SPNS) Is Doing The Right Things To Multiply Its Share Price
If you're not sure where to start when looking for the next multi-bagger, there are a few key trends you should keep an...Analysis Article • Apr 26
Is Now An Opportune Moment To Examine Sapiens International Corporation N.V. (NASDAQ:SPNS)?
Sapiens International Corporation N.V. ( NASDAQ:SPNS ), might not be a large cap stock, but it saw a double-digit share...Seeking Alpha • Apr 16
Sapiens: Accelerating In Q4 With Margin Levers Pulled
Summary Sapiens is seeing the promised margin lift from growing recurring revenue in the mix. New customers seem to be coming in at a constant pace, with growth driven by the Nordics. They are changing their billing and revenue recognition model in a typical shift to a subscription model, with some negative impact on reported guidance. Private equity firms might be in the mix looking to buy Sapiens. We think they have an attractive profile, and the valuation wouldn't be bad. The only issue is war may slow a deal down. Read the full article on Seeking AlphaAnalysis Article • Apr 11
Investors Appear Satisfied With Sapiens International Corporation N.V.'s (NASDAQ:SPNS) Prospects
With a price-to-earnings (or "P/E") ratio of 27.7x Sapiens International Corporation N.V. ( NASDAQ:SPNS ) may be...Earnings and Revenue Growth Forecasts
| Date | Revenue | Earnings | Free Cash Flow | Cash from Op | Avg. No. Analysts |
|---|---|---|---|---|---|
| 12/31/2027 | 671 | 87 | N/A | N/A | 1 |
| 12/31/2026 | 617 | 78 | N/A | N/A | 2 |
| 12/31/2025 | 577 | 67 | N/A | N/A | 1 |
| 9/30/2025 | 564 | 64 | 70 | 80 | N/A |
| 6/30/2025 | 549 | 68 | 72 | 82 | N/A |
| 3/31/2025 | 544 | 73 | 79 | 89 | N/A |
| 12/31/2024 | 542 | 72 | 72 | 82 | N/A |
| 9/30/2024 | 539 | 71 | 69 | 79 | N/A |
| 6/30/2024 | 533 | 69 | 61 | 70 | N/A |
| 3/31/2024 | 524 | 66 | 67 | 76 | N/A |
| 12/31/2023 | 515 | 62 | 70 | 79 | N/A |
| 9/30/2023 | 503 | 59 | 46 | 55 | N/A |
| 6/30/2023 | 491 | 56 | 46 | 56 | N/A |
| 3/31/2023 | 482 | 53 | 38 | 48 | N/A |
| 12/31/2022 | 475 | 53 | 35 | 44 | N/A |
| 9/30/2022 | 474 | 53 | 46 | 57 | N/A |
| 6/30/2022 | 473 | 53 | 56 | 67 | N/A |
| 3/31/2022 | 469 | 51 | 76 | 87 | N/A |
| 12/31/2021 | 461 | 47 | 69 | 81 | N/A |
| 9/30/2021 | 443 | 42 | 60 | 74 | N/A |
| 6/30/2021 | 423 | 38 | 63 | 76 | N/A |
| 3/31/2021 | 402 | 37 | 53 | 64 | N/A |
| 12/31/2020 | 383 | 34 | 47 | 58 | N/A |
| 9/30/2020 | 368 | 32 | 49 | 59 | N/A |
| 6/30/2020 | 353 | 30 | 45 | 61 | N/A |
| 3/31/2020 | 339 | 28 | 44 | 61 | N/A |
| 12/31/2019 | 326 | 26 | 49 | 66 | N/A |
| 9/30/2019 | 312 | 23 | 41 | 56 | N/A |
| 6/30/2019 | 303 | 21 | N/A | 44 | N/A |
| 3/31/2019 | 295 | 16 | N/A | 29 | N/A |
| 12/31/2018 | 290 | 14 | N/A | 28 | N/A |
| 9/30/2018 | 288 | 13 | N/A | 19 | N/A |
| 6/30/2018 | 287 | 11 | N/A | 11 | N/A |
| 3/31/2018 | 284 | 5 | N/A | 25 | N/A |
| 12/31/2017 | 269 | 0 | N/A | 9 | N/A |
| 9/30/2017 | 255 | 1 | N/A | 7 | N/A |
| 6/30/2017 | 239 | 3 | N/A | 14 | N/A |
| 3/31/2017 | 223 | 12 | N/A | 14 | N/A |
| 12/31/2016 | 216 | 19 | N/A | 26 | N/A |
| 9/30/2016 | 208 | 21 | N/A | 36 | N/A |
| 6/30/2016 | 198 | 21 | N/A | 40 | N/A |
| 3/31/2016 | 191 | 20 | N/A | 33 | N/A |
| 12/31/2015 | 186 | 20 | N/A | 40 | N/A |
| 9/30/2015 | 179 | 19 | N/A | 34 | N/A |
| 6/30/2015 | 167 | 17 | N/A | 32 | N/A |
| 3/31/2015 | 162 | 16 | N/A | 27 | N/A |
| 12/31/2014 | 157 | 14 | N/A | 22 | N/A |
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SPNS's forecast earnings growth (13.7% per year) is above the savings rate (3.3%).
Earnings vs Market: SPNS's earnings (13.7% per year) are forecast to grow slower than the US market (16% per year).
High Growth Earnings: SPNS's earnings are forecast to grow, but not significantly.
Revenue vs Market: SPNS's revenue (7.6% per year) is forecast to grow slower than the US market (10.5% per year).
High Growth Revenue: SPNS's revenue (7.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if SPNS's Return on Equity is forecast to be high in 3 years time
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/12/18 21:40 |
| End of Day Share Price | 2025/12/16 00:00 |
| Earnings | 2025/09/30 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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
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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.
| Analyst | Institution |
|---|---|
| Tavy Rosner | Barclays |
| Danny Kaplan | Barclays |
| Ashwin Shirvaikar | Citigroup Inc |