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Technology - Software - Application - NASDAQ - IL
$ 25.52
-0.468 %
$ 1.42 B
Market Cap
20.09
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one SPNS stock under the worst case scenario is HIDDEN Compared to the current market price of 25.5 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one SPNS stock under the base case scenario is HIDDEN Compared to the current market price of 25.5 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Jan, 18, 2025.

The intrinsic value of one SPNS stock under the best case scenario is HIDDEN Compared to the current market price of 25.5 USD, Sapiens International Corporation N.V. is HIDDEN

2. FUNDAMENTAL ANALYSIS
FINANCIALS
515 M REVENUE
8.39%
78.9 M OPERATING INCOME
18.61%
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
0.16%
21.7 M OPERATING INCOME
-2.26%
18.3 M NET INCOME
-1.51%
13.1 M OPERATING CASH FLOW
57.18%
21.3 M INVESTING CASH FLOW
69.27%
-14.2 M FINANCING CASH FLOW
14.58%
Balance Sheet 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 295 M
Gross Profit 220 M
Operating Expenses 141 M
Operating Income 78.9 M
Other Expenses 16.4 M
Net Income 62.4 M
RATIOS
42.67% GROSS MARGIN
42.67%
15.33% OPERATING MARGIN
15.33%
12.13% NET MARGIN
12.13%
13.96% ROE
13.96%
9.05% ROA
9.05%
12.69% ROIC
12.69%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Sapiens International Corporation N.V.
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Net Income 62.4 M
Depreciation & Amortization 21.4 M
Capital Expenditures -9.27 M
Stock-Based Compensation 3.62 M
Change in Working Capital -8.76 M
Others -8.46 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 48.90%
SPNS Average Price Target Wall Street Target
38 USD 48.90%
SPNS Highest Price Target Wall Street Target
38 USD 48.90%
4. DIVIDEND ANALYSIS
0.68% 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
Did Sapiens International Corporation N.V. Mislead Investors? NEW YORK, NY / ACCESSWIRE / January 7, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 1 week ago
Levi & Korsinsky Reminds Sapiens International Corporation N.V. Investors of the Ongoing Investigation into Potential Violations of Securities Laws - SPNS NEW YORK, NY / ACCESSWIRE / January 6, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 1 week ago
SPNS ALERT- Levi & Korsinsky Has Commenced an Investigation on Behalf of Sapiens International Corporation N.V. Shareholders Who Lost Money NEW YORK, NY / ACCESSWIRE / January 3, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 2 weeks ago
Lost Money on Sapiens International Corporation N.V. (SPNS)? You May Have Been Affected by Fraud - Contact Levi & Korsinsky NEW YORK, NY / ACCESSWIRE / January 2, 2025 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 2 weeks ago
Sapiens International Corporation N.V. Investigation Ongoing: Contact Levi & Korsinsky to Discuss Your Rights - SPNS NEW YORK, NY / ACCESSWIRE / December 31, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 2 weeks ago
Shareholders that lost money on Sapiens International Corporation N.V.(SPNS) should contact Levi & Korsinsky about Securities Fraud Investigation - SPNS NEW YORK, NY / ACCESSWIRE / December 30, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 2 weeks ago
SPNS ALERT: Levi & Korsinsky Reminds Investors of an Investigation Involving Possible Securities Fraud Violations by Sapiens International Corporation N.V. NEW YORK, NY / ACCESSWIRE / December 27, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 3 weeks ago
Sapiens to Participate in the 27th Annual Needham Growth Conference on January 15, 2025 ROCHELLE PARK, N. J., Dec. 26, 2024 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that Roni Giladi, Chief Financial Officer, is scheduled to participate in the 27th Annual Needham Growth Conference to be held at the Lotte NY Palace Hotel in New York City, January 14 – 16, 2025. prnewswire.com - 3 weeks ago
Shareholders that lost money on Sapiens International Corporation N.V. (SPNS) should contact Levi & Korsinsky about Securities Fraud Investigation - SPNS NEW YORK, NY / ACCESSWIRE / December 26, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 3 weeks ago
ATTENTION Sapiens International Corporation N.V. Investors: You May Have Been Affected by Fraud - Contact Levi & Korsinsky to Discuss Your Rights NEW YORK, NY / ACCESSWIRE / December 23, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 3 weeks ago
Sapiens International Corporation N.V. (SPNS) Shareholders May Have Been Affected by Fraud - Levi & Korsinsky Investigates NEW YORK, NY / ACCESSWIRE / December 19, 2024 / Levi & Korsinsky notifies investors that it has commenced an investigation of Sapiens International Corporation N.V. ("Sapiens International Corporation N.V. accesswire.com - 1 month ago
Sapiens wins XCelent award for Customer Base and Support for UnderwritingPro for Life & Annuities Sapiens UnderwritingPro solution drives efficiency and automation with advanced technology and end-to-end functionality ROCHELLE PARK, N.J. , Dec. 18, 2024 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that Sapiens UnderwritingPro for Life & Annuities has received a 2024 XCelent award, in the Customer Base and Support categories in the North America region for new business and automated underwriting (NBUW) systems. prnewswire.com - 1 month ago
8. Profile Summary

Sapiens International Corporation N.V. SPNS

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COUNTRY IL
INDUSTRY Software - Application
MARKET CAP $ 1.42 B
Dividend Yield 0.68%
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 Ms. Yaffa Cohen-Ifrah Chief Marketing Officer & Head of Investor Relations Ms. Osnat Segev-Harel Head of Corporate Development Ms. Hagit Ashkenazi Executive Vice President & Head of Professional Services Mr. Roni Al-Dor President, Chief Executive Officer & Director Mr. Gary J. Sherne EVice President & Chief Revenue Officer of North America Mr. Roni Giladi CPA Chief Financial Officer & Vice President Mr. Rodrigo Rueda Sales Director Mr. Raj Ghuman Senior Vice President of Business Development – EMEA & APAC Ms. Noa Brummer Chief Human Resources Officer Mr. Ilan Buganim Chief Technology & Information Officer