SPNS Stock Overview
Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally.
No risks detected for SPNS from our risk checks.
Sapiens International Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$24.29|
|52 Week High||US$38.32|
|52 Week Low||US$20.00|
|1 Month Change||-7.99%|
|3 Month Change||-6.25%|
|1 Year Change||-8.58%|
|3 Year Change||49.11%|
|5 Year Change||119.82%|
|Change since IPO||-56.82%|
Recent News & Updates
When Should You Buy Sapiens International Corporation N.V. (NASDAQ:SPNS)?
While Sapiens International Corporation N.V. ( NASDAQ:SPNS ) might not be the most widely known stock at the moment, it...
Sapiens International (NASDAQ:SPNS) Might Have The Makings Of A Multi-Bagger
If we want to find a stock that could multiply over the long term, what are the underlying trends we should look for...
|SPNS||US Software||US Market|
Return vs Industry: SPNS exceeded the US Software industry which returned -23.7% over the past year.
Return vs Market: SPNS exceeded the US Market which returned -21.2% over the past year.
|SPNS Average Weekly Movement||7.9%|
|Software Industry Average Movement||11.0%|
|Market Average Movement||8.1%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||3.3%|
Stable Share Price: SPNS is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 8% a week.
Volatility Over Time: SPNS's weekly volatility (8%) has been stable over the past year.
About the Company
Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers’ compensation.
Sapiens International Fundamentals Summary
|SPNS fundamental statistics|
Is SPNS overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SPNS income statement (TTM)|
|Cost of Revenue||US$276.13m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.93|
|Net Profit Margin||10.93%|
How did SPNS perform over the long term?See historical performance and comparison
1.5%Current Dividend Yield
Is SPNS undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SPNS?
Other financial metrics that can be useful for relative valuation.
|What is SPNS's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does SPNS's PE Ratio compare to its peers?
|SPNS PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
MGIC Magic Software Enterprises
SPNS Sapiens International
Price-To-Earnings vs Peers: SPNS is good value based on its Price-To-Earnings Ratio (26.1x) compared to the peer average (87.9x).
Price to Earnings Ratio vs Industry
How does SPNS's PE Ratio compare vs other companies in the US Software Industry?
Price-To-Earnings vs Industry: SPNS is good value based on its Price-To-Earnings Ratio (26.1x) compared to the US Software industry average (38.2x)
Price to Earnings Ratio vs Fair Ratio
What is SPNS'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.
|Current PE Ratio||26.1x|
|Fair PE Ratio||28.3x|
Price-To-Earnings vs Fair Ratio: SPNS is good value based on its Price-To-Earnings Ratio (26.1x) compared to the estimated Fair Price-To-Earnings Ratio (28.3x).
Share Price vs Fair Value
What is the Fair Price of SPNS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: SPNS ($24.29) is trading below our estimate of fair value ($35.33)
Significantly Below Fair Value: SPNS is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: SPNS is poor value based on its PEG Ratio (2.1x)
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How is Sapiens International forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SPNS's forecast earnings growth (12.3% per year) is above the savings rate (1.9%).
Earnings vs Market: SPNS's earnings (12.3% per year) are forecast to grow slower than the US market (13.6% per year).
High Growth Earnings: SPNS's earnings are forecast to grow, but not significantly.
Revenue vs Market: SPNS's revenue (8.1% per year) is forecast to grow slower than the US market (8.2% per year).
High Growth Revenue: SPNS's revenue (8.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SPNS's Return on Equity is forecast to be low in 3 years time (13.4%).
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How has Sapiens International performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SPNS has high quality earnings.
Growing Profit Margin: SPNS's current net profit margins (10.9%) are higher than last year (9.2%).
Past Earnings Growth Analysis
Earnings Trend: SPNS's earnings have grown significantly by 41.1% per year over the past 5 years.
Accelerating Growth: SPNS's earnings growth over the past year (39.3%) is below its 5-year average (41.1% per year).
Earnings vs Industry: SPNS earnings growth over the past year (39.3%) exceeded the Software industry 26.8%.
Return on Equity
High ROE: SPNS's Return on Equity (12.3%) is considered low.
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How is Sapiens International's financial position?
Financial Health Score6/6
Financial Health Score 6/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: SPNS's short term assets ($303.1M) exceed its short term liabilities ($158.1M).
Long Term Liabilities: SPNS's short term assets ($303.1M) exceed its long term liabilities ($132.0M).
Debt to Equity History and Analysis
Debt Level: SPNS has more cash than its total debt.
Reducing Debt: SPNS's debt to equity ratio has reduced from 20% to 18.9% over the past 5 years.
Debt Coverage: SPNS's debt is well covered by operating cash flow (110.3%).
Interest Coverage: SPNS's interest payments on its debt are well covered by EBIT (25.8x coverage).
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What is Sapiens International current dividend yield, its reliability and sustainability?
Dividend Score 1/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SPNS's dividend (1.52%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.6%).
High Dividend: SPNS's dividend (1.52%) is low compared to the top 25% of dividend payers in the US market (4.25%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, SPNS has been paying a dividend for less than 10 years.
Growing Dividend: SPNS's dividend payments have increased, but the company has only paid a dividend for 2 years.
Earnings Payout to Shareholders
Earnings Coverage: Unable to calculate sustainability of dividends as SPNS has not reported any payouts.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (27%), SPNS's dividend payments are well covered by cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ron Al-Dor (61 yo)
Mr. Roni Al-Dor, also known as Ron, has been the Chief Executive Officer and President of Sapiens International Corporation N.V. since November 2005. Mr. Al-Dor serves as President, Chief Executive Officer...
Experienced Management: SPNS's management team is considered experienced (2 years average tenure).
Experienced Board: SPNS's board of directors are seasoned and experienced ( 16.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Sapiens International Corporation N.V.'s employee growth, exchange listings and data sources
- Name: Sapiens International Corporation N.V.
- Ticker: SPNS
- Exchange: NasdaqGS
- Founded: 1982
- Industry: Application Software
- Sector: Software
- Implied Market Cap: US$1.338b
- Shares outstanding: 55.08m
- Website: https://www.sapiens.com
Number of Employees
- Sapiens International Corporation N.V.
- Azrieli Center
- 26 Harokmim Street
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/07/03 00:00|
|End of Day Share Price||2022/07/01 00:00|
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.