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Technology - Software - Application - NASDAQ - IL
$ 30.09
1.42 %
$ 1.68 B
Market Cap
23.15
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one SPNS stock under the worst case scenario is HIDDEN Compared to the current market price of 30.1 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one SPNS stock under the base case scenario is HIDDEN Compared to the current market price of 30.1 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Jul, 6, 2025.

The intrinsic value of one SPNS stock under the best case scenario is HIDDEN Compared to the current market price of 30.1 USD, Sapiens International Corporation N.V. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SPNS

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$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.0$24.0$24.0$23.0$23.015 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '25
FINANCIALS
542 M REVENUE
5.40%
85.8 M OPERATING INCOME
8.85%
72.2 M NET INCOME
15.59%
82.2 M OPERATING CASH FLOW
3.53%
13.4 M INVESTING CASH FLOW
118.42%
-56.3 M FINANCING CASH FLOW
-29.86%
136 M REVENUE
1.34%
21.2 M OPERATING INCOME
-2.31%
17.9 M NET INCOME
-2.55%
42.1 M OPERATING CASH FLOW
221.86%
-14.9 M INVESTING CASH FLOW
-70.28%
-2.85 M FINANCING CASH FLOW
79.86%
Balance Sheet Sapiens International Corporation N.V.
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Current Assets 335 M
Cash & Short-Term Investments 216 M
Receivables 119 M
Other Current Assets 0
Non-Current Assets 357 M
Long-Term Investments 0
PP&E 31.4 M
Other Non-Current Assets 325 M
31.25 %17.20 %4.54 %47.01 %Total Assets$691.7m
Current Liabilities 150 M
Accounts Payable 8.41 M
Short-Term Debt 26.2 M
Other Current Liabilities 115 M
Non-Current Liabilities 62.5 M
Long-Term Debt 37.5 M
Other Non-Current Liabilities 25 M
3.97 %12.37 %54.19 %17.69 %11.78 %Total Liabilities$212.1m
EFFICIENCY
Earnings Waterfall Sapiens International Corporation N.V.
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Revenue 542 M
Cost Of Revenue 304 M
Gross Profit 238 M
Operating Expenses 152 M
Operating Income 85.8 M
Other Expenses 13.7 M
Net Income 72.2 M
600m600m500m500m400m400m300m300m200m200m100m100m00542m(304m)238m(152m)86m(14m)72mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
43.90% GROSS MARGIN
43.90%
15.83% OPERATING MARGIN
15.83%
13.31% NET MARGIN
13.31%
15.05% ROE
15.05%
10.43% ROA
10.43%
12.16% ROIC
12.16%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Sapiens International Corporation N.V.
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80m80m70m70m60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 72.2 M
Depreciation & Amortization 20.1 M
Capital Expenditures -2.88 M
Stock-Based Compensation 0
Change in Working Capital -13.2 M
Others 347 K
Free Cash Flow 79.3 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 26.29%
SPNS Average Price Target Wall Street Target
38 USD 26.29%
SPNS Highest Price Target Wall Street Target
38 USD 26.29%
Price
Max Price Target
Min Price Target
Average Price Target
4040383836363434323230302828262624242222Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0.66 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.70000.70000.60000.60000.50000.50000.40000.40000.30000.30000.20000.20000.10000.10000.00000.00000.150.20.140.370.470.250.280.660.220.230.260.290.20.570.23370.660.400.660.470.250.280.660.000.000.002015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
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
7. News
Absa Life Goes Live with Sapiens Insurance Platform to Modernize Core Systems and Enhance Customer Journeys New platform marks a major step in Absa Life's core systems transformation, simplifying operations, improving agility, and laying the foundation for AI-driven innovation ROCHELLE PARK, N.J. , June 23, 2025  /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that Absa Life, a leading life insurer in South Africa, has successfully gone live across multiple distribution channels with Sapiens Insurance Platform, a fully integrated suite of solutions, including Sapiens CoreSuite for Life & Pensions, Sapiens DigitalSuite, Sapiens DataSuite, and Sapiens Cloud Services. prnewswire.com - 2 weeks ago
Sapiens to Accelerate Insurers' Digital Transformation with AI-Driven Upgrades for Life, Pensions, & Annuities New Sapiens CoreSuite release empowers life insurers, agents, customers, and administrators with greater speed, intelligence, and deeper customer engagement via gen AI ROCHELLE PARK, N.J. , June 17, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced the latest release of CoreSuite a comprehensive policy administration system for life, pensions, and annuities. prnewswire.com - 3 weeks ago
Encova Insurance Selects Sapiens Decision to Power Enterprise-Wide Transformation Sapiens empowers insurer to transform agent experience and drive profitable growth by centralizing decision intelligence ROCHELLE PARK, N.J. , June 10, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that Encova Insurance, a super-regional insurer providing commercial, workers' compensation, auto and home insurance, has selected Sapiens Decision to support its enterprise transformation strategy and elevate the agent experience. prnewswire.com - 4 weeks ago
Leading U.S. Auto Claims Organization Selects Sapiens to Modernize Operations Sapiens ClaimsPro to streamline operations, enhance reporting, and reduce technical debt for nonprofit auto claims servicing organization ROCHELLE PARK, N.J. , May 21, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that a leading state-run auto insurance placement and claims organization has selected Sapiens ClaimsPro for Property & Casualty (P&C) to support its modernization efforts. prnewswire.com - 1 month ago
Sapiens Hosts Global Client Conference in Vienna, Empowering Insurers to Lead Market Change Event brings insurance leaders together to share strategies for growth, agility, and business impact ROCHELLE PARK, N.J. , May 15, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that its annual International Client Conference was held this week from May 12–14, 2025, in Vienna, Austria. prnewswire.com - 1 month ago
Global Insurance Leader Selected Sapiens to Innovate Operations First London Market Insurer to Leverage Sapiens' Innovative SaaS Solution with LORS & USM Messaging ROCHELLE PARK, N.J. , May 13, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that a European based global insurer has selected Sapiens ReinsuranceMaster and Sapiens DataSuite end-to-end SaaS solution to modernise its operations in the highly specialised London Market. prnewswire.com - 1 month ago
Sapiens International Corporation N.V. (SPNS) Q1 2025 Earnings Call Transcript Sapiens International Corporation N.V. (NASDAQ:SPNS ) Q1 2025 Earnings Conference Call May 8, 2025 9:30 AM ET Company Participants Yaffa Cohen-Ifrah - CMO and Head, IR Roni Al-Dor - President and CEO Roni Giladi - CFO Alex Zukerman - CSO Conference Call Participants Dylan Becker - William Blair Chris Reimer - Barclays Elyse Kanner - JPMorgan Operator Welcome to Sapiens International Corporation's 2025 First Quarter Financial Results Call. seekingalpha.com - 1 month ago
Sapiens (SPNS) Beats Q1 Earnings Estimates Sapiens (SPNS) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.35 per share. This compares to earnings of $0.36 per share a year ago. zacks.com - 2 months ago
Sapiens Reports First Quarter 2025 Financial Results ROCHELLE PARK, N.J. , May 8, 2025 /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 first quarter ended March 31, 2025. prnewswire.com - 2 months ago
Sapiens Wins Top Honours from Celent for IDITSuite Excellence in EMEA and APAC Sapiens earns Celent Luminary in EMEA & APAC and XCelent Awards for Breadth of Functionality and Customer Service in EMEA ROCHELLE PARK, N.J. , May 7, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced that Sapiens IDITSuite for Property & Casualty (P&C) has been recognised as a Luminary by Celent in its 2025 Policy Administration System (PAS) EMEA and APAC reports for its excellence in both functionality and technical capabilities. prnewswire.com - 2 months ago
One of the Largest Global Life Insurers Selects Sapiens Insurance Platform for Life and Pensions to Drive Digital Transformation for its Czech Republic Business Sapiens' cloud-driven solutions modernises insurer's operations ROCHELLE PARK, N.J. , May 6, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that one of the largest global life insurers, has selected Sapiens Insurance Platform, a fully integrated suite of solutions, including Sapiens CoreSuite for Life & Pensions, DigitalSuite, DataSuite, and Cloud Services to modernise its core insurance processes and accelerate its growth strategy in the Czech Republic. prnewswire.com - 2 months ago
Sapiens Acquires AdvantageGo to Expand Global P&C Platform with Cutting-Edge Underwriting Workbench & Risk Management Capabilities Acquisition Strengthens Sapiens' Value Proposition Across Global Commercial, Specialty, and London Market Segments ROCHELLE PARK, N.J. , April 28, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that it has signed a definitive agreement for the acquisition of AdvantageGo, a leading commercial insurance software provider specializing in underwriting workbench solutions for both London and global commercial markets. 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 $ 1.68 B
Dividend Yield 0.00%
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 4850
Officers Ms. Noa Brummer Chief Human Resources Officer Ms. Osnat Segev-Harel Head of Corporate Development Mr. Gary J. Sherne EVice President & Chief Revenue Officer of North America Ms. Yaffa Cohen-Ifrah Chief Marketing Officer & Head of Investor Relations Mr. Roni Giladi CPA Chief Financial Officer & Vice President Mr. Raj Ghuman Chief Revenue Officer of EMEA & APAC Mr. Ilan Buganim Chief Technology & Information Officer Mr. Roni Al-Dor President, Chief Executive Officer & Director Mr. Rodrigo Rueda Sales Director Ms. Hagit Ashkenazi Executive Vice President & Head of Professional Services