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Technology - Software - Application - NASDAQ - IL
$ 28.0
-1.96 %
$ 1.56 B
Market Cap
22.76
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one SPNS stock under the base case scenario is HIDDEN Compared to the current market price of 28 USD, Sapiens International Corporation N.V. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SPNS

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FINANCIALS
515 M REVENUE
8.39%
84.1 M OPERATING INCOME
26.44%
62.4 M NET INCOME
17.97%
79.4 M OPERATING CASH FLOW
81.42%
-72.8 M INVESTING CASH FLOW
-485.05%
-43.3 M FINANCING CASH FLOW
25.76%
137 M REVENUE
1.90%
22.2 M OPERATING INCOME
8.41%
18.6 M NET INCOME
7.24%
8.32 M OPERATING CASH FLOW
-54.98%
12.6 M INVESTING CASH FLOW
246.56%
-16.6 M FINANCING CASH FLOW
16.30%
Balance Sheet Decomposition Sapiens International Corporation N.V.
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Current Assets 315 M
Cash & Short-Term Investments 202 M
Receivables 90.3 M
Other Current Assets 22.5 M
Non-Current Assets 375 M
Long-Term Investments 3.99 M
PP&E 36.2 M
Other Non-Current Assets 335 M
Current Liabilities 149 M
Accounts Payable 6.29 M
Short-Term Debt 26.4 M
Other Current Liabilities 116 M
Non-Current Liabilities 90.6 M
Long-Term Debt 60.6 M
Other Non-Current Liabilities 29.9 M
EFFICIENCY
Earnings Waterfall Sapiens International Corporation N.V.
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Revenue 515 M
Cost Of Revenue 289 M
Gross Profit 225 M
Operating Expenses 141 M
Operating Income 84.1 M
Other Expenses 21.6 M
Net Income 62.4 M
RATIOS
43.80% GROSS MARGIN
43.80%
16.34% OPERATING MARGIN
16.34%
12.13% NET MARGIN
12.13%
13.96% ROE
13.96%
9.05% ROA
9.05%
13.53% ROIC
13.53%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Sapiens International Corporation N.V.
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Net Income 62.4 M
Depreciation & Amortization 15.7 M
Capital Expenditures -9.27 M
Stock-Based Compensation 3.62 M
Change in Working Capital -8.76 M
Others 31.9 M
Free Cash Flow 70.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Sapiens International Corporation N.V.
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Wall Street analysts predict an average 1-year price target for SPNS of $38 , with forecasts ranging from a low of $38 to a high of $38 .
SPNS Lowest Price Target Wall Street Target
38 USD 35.71%
SPNS Average Price Target Wall Street Target
38 USD 35.71%
SPNS Highest Price Target Wall Street Target
38 USD 35.71%
4. DIVIDEND ANALYSIS
0.81% DIVIDEND YIELD
0.29 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Sapiens International Corporation N.V.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
Date Value Insider Amount Avg Price
7. News
Sapiens International Corporation N.V. (SPNS) Q3 2024 Earnings Call Transcript Sapiens International Corporation N.V. (NASDAQ:SPNS ) Q3 2024 Earnings Conference Call November 11, 2024 9:00 AM ET Company Participants Yaffa Cohen-Ifrah - Chief Marketing Officer & Head of IR Roni Al-Dor - President & CEO Roni Giladi - CFO Alex Zukerman - Chief Strategy Officer Conference Call Participants Sam Salvas - Needham & Company Dylan Becker - William Blair Surinder Thind - Jefferies Elyse Kanner - JPMorgan Tavy Rosner - Barclays Operator Welcome to Sapiens International Corporation's 2024 Third Quarter Financial Results Call. seekingalpha.com - 5 days ago
Sapiens International Posts Downbeat Results, Joins Sky Harbour And Other Big Stocks Moving Lower In Monday's Pre-Market Session U.S. stock futures were higher this morning, with the Dow futures gaining around 150 points on Monday. benzinga.com - 5 days ago
Sapiens (SPNS) Meets Q3 Earnings Estimates Sapiens (SPNS) came out with quarterly earnings of $0.37 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.34 per share a year ago. zacks.com - 5 days ago
Sapiens Reports Third Quarter 2024 Financial Results ROCHELLE PARK, N.J. , Nov. 11, 2024 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced its financial results for the third quarter ended September 30, 2024. prnewswire.com - 5 days ago
Strength Seen in Sapiens (SPNS): Can Its 5.0% Jump Turn into More Strength? Sapiens (SPNS) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road. zacks.com - 1 week ago
A Tier 1 Insurer in Africa Optimises Data Capabilities with Go-Live of Sapiens Data and Analytics Solution Sapiens DataSuite on the cloud accelerates the insurer's scalability and cost-efficiency, streamlines operations, and enables faster insights UXBRIDGE, England , Nov. 4, 2024 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced the go-live of Sapiens DataSuite by a Tier 1 insurer based in Africa. Powered by Sapiens DataSuite, the migration of the insurer's data platform to the cloud provides the company with an enterprise-wide, consolidated view of data to improve performance, productivity, security, and user experiences. prnewswire.com - 1 week ago
SAPIENS TO ANNOUNCE THIRD QUARTER OF 2024 FINANCIAL RESULTS ON NOVEMBER 11, 2024 ROCHELLE PARK, N.J. , Oct. 28, 2024 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that it will report its financial results for the Third quarter of 2024 on Monday, November 11, 2024. prnewswire.com - 2 weeks ago
Sapiens Decision Launches Solution to Boost Decision Underwriting Efficiency and Profitability for P&C Sapiens Decision Underwriting Accelerator e levates straight-through processing and reduces reliance on IT by up to 90% ROCHELLE PARK, N.J. , Oct. 15, 2024 /PRNewswire/ -- Sapiens International Corporation , (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced the release of Sapiens Decision Underwriting Accelerator, a cutting-edge solution designed to enhance underwriting efficiency and significantly improve straight-through processing (STP) for Property and Casualty (P&C) insurers. prnewswire.com - 1 month ago
Sapiens International: Great Execution Continues 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. seekingalpha.com - 1 month ago
Can Sapiens' Expansion Into Insurance Market Push the Stock Higher? SPNS empowers HGR with DataSuite, streamlining migration and enhancing data management for seamless operations. zacks.com - 1 month ago
Hollard Group Risk Goes Live with Sapiens Data and Analytics Solution to Complement Sapiens CoreSuite for Life & Pensions The implementation accelerates HGR's complete core transformation for Life & Pensions UXBRIDGE, England , Sept. 30, 2024 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that South Africa's Hollard Group Risk (HGR), a division of Hollard Life Insurance Company Limited, has gone live with Sapiens DataSuite, to accelerate the complex migration of HGR's business and align processes with Sapiens CoreSuite for Life & Pensions. prnewswire.com - 1 month ago
Sapiens Showcases Next-Gen Innovations at Annual North America Customer Summit in Austin, Texas The Summit included 545 participants from 115 insurance companies, customers, and partners ROCHELLE PARK, N.J. , Sept. 12, 2024 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, hosted its annual North America Customer Summit in Austin, Texas on September 9-11, 2024. prnewswire.com - 2 months ago
8. Profile Summary

Sapiens International Corporation N.V. SPNS

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COUNTRY IL
INDUSTRY Software - Application
MARKET CAP $ 1.56 B
Dividend Yield 0.81%
Description 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. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.
Contact Azrieli Center, Holon, 5885800 https://www.sapiens.com
IPO Date March 5, 1998
Employees 5000
Officers Mr. Rodrigo Rueda Sales Director Ms. Liana Gelikas President of P&C/General Insurance and Reinsurance Division Mr. Gary J. Sherne EVice President & Chief Revenue Officer of North America Ms. Osnat Segev-Harel Head of Corporate Development Ms. Hagit Ashkenazi Executive Vice President & Head of Professional Services Ms. Yaffa Cohen-Ifrah Chief Marketing Officer & Head of Investor Relations Ms. Noa Brummer Chief Human Resources Officer Mr. Raj Ghuman Senior Vice President of Business Development – EMEA & APAC Mr. Roni Al-Dor President, Chief Executive Officer & Director Mr. Ilan Buganim Chief Technology & Information Officer