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Technology - Software - Application - NASDAQ - IL
$ 24.52
-1.88 %
$ 1.37 B
Market Cap
19.01
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SPNS stock under the worst case scenario is HIDDEN Compared to the current market price of 24.5 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SPNS stock under the base case scenario is HIDDEN Compared to the current market price of 24.5 USD, Sapiens International Corporation N.V. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one SPNS stock under the best case scenario is HIDDEN Compared to the current market price of 24.5 USD, Sapiens International Corporation N.V. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart SPNS

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$40.0$40.0$38.0$38.0$36.0$36.0$34.0$34.0$32.0$32.0$30.0$30.0$28.0$28.0$26.0$26.0$24.0$24.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
542 M REVENUE
5.40%
85.8 M OPERATING INCOME
8.85%
72.3 M NET INCOME
15.82%
82.2 M OPERATING CASH FLOW
3.53%
13.4 M INVESTING CASH FLOW
118.42%
-56.3 M FINANCING CASH FLOW
-29.86%
134 M REVENUE
-1.99%
21.7 M OPERATING INCOME
-0.22%
17.9 M NET INCOME
-2.55%
42.3 M OPERATING CASH FLOW
222.99%
-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 99.6 M
Other Current Assets 19.4 M
Non-Current Assets 357 M
Long-Term Investments 0
PP&E 31.4 M
Other Non-Current Assets 325 M
31.25 %14.40 %2.80 %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 13.5 M
Net Income 72.3 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 72.3 M
Depreciation & Amortization 20.1 M
Capital Expenditures -2.88 M
Stock-Based Compensation 0
Change in Working Capital -13.2 M
Others 206 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 54.98%
SPNS Average Price Target Wall Street Target
38 USD 54.98%
SPNS Highest Price Target Wall Street Target
38 USD 54.98%
Price
Max Price Target
Min Price Target
Average Price Target
4242404038383636343432323030282826262424May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.14% 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 12
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
Sapiens Introduces Next-Generation Enhancements for Life & Annuities Insurers with Updated IllustrationPro and ApplicationPro Latest releases elevate automation, risk intelligence, and customization to drive seamless policy management and superior agent experience ROCHELLE PARK, N.J. , April 2, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced the latest release of Sapiens IllustrationPro and Sapiens ApplicationPro, which deliver cutting-edge enhancements designed to meet the evolving needs of insurers. prnewswire.com - 2 weeks ago
Sapiens Life Platform Selected by a Leading U.S. Insurer Sapiens' solutions accelerate insurer's seamless, data-driven digital transformation ROCHELLE PARK, N.J. , March 31, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that a major U.S. multi-line insurer has expanded its partnership with Sapiens by selecting Sapiens Insurance Platform for Life & Annuities, which includes Sapiens CoreSuite for Life & Annuities, Sapiens DataSuite, and Sapiens Cloud Services. prnewswire.com - 2 weeks ago
Sapiens Files Annual Report on Form 20-F for the Year Ended December 31, 2024 ROCHELLE PARK, N.J. , March 27, 2025 /PRNewswire/ -- Sapiens International Corporation N.V. prnewswire.com - 2 weeks ago
Sapiens Faces Headwinds To Upside Catalysts 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. seekingalpha.com - 1 month ago
Sapiens Cloud Adopted by Hiscox UK: Should You Watch the Stock? Hiscox UK transitions to SPNS's insurance platform, boosting efficiency. Yet, currency headwinds raise concerns. zacks.com - 1 month ago
Hiscox UK Goes Live with Sapiens Insurance Platform on Sapiens Cloud The go-live powers Hiscox with operational excellence and business growth UXBRIDGE, England , March 12, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that Hiscox, a leading insurer of tailored solutions for both businesses and high-net-worth private clients, has gone live with Sapiens Insurance Platform, now fully deployed on the Sapiens Cloud. The strategic go-live underscores Hiscox's commitment to enhancing business performance, resilience, and customer satisfaction. prnewswire.com - 1 month ago
Pioneer Insurance Selects Sapiens to Drive Digital Innovation in the Philippines Sapiens Insurance Platform for P&C supports Pioneer's broad digital strategy and ability to scale quickly and cost-effectively UXBRIDGE, England , March 10, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced that Pioneer Insurance and Surety Corporation, the leading insurance provider in the Philippines, has chosen Sapiens Insurance Platform to drive digital transformation and enhance customer experience. The collaboration marks a significant milestone for Pioneer as it upgrades its operations, scales its capabilities, and embraces digitalization to stay ahead in the insurance industry. prnewswire.com - 1 month ago
Sapiens International Corporation N.V. (SPNS) Q4 2024 Earnings Call Transcript Sapiens International Corporation N.V. (NASDAQ:SPNS ) Q4 2024 Earnings Conference Call February 18, 2025 9:30 AM ET Company Participants Yaffa Cohen-Ifrah - CMO and Head of IR Roni Al-Dor - President and CEO Roni Giladi - CFO Alex Zukerman - CSO Conference Call Participants Dylan Becker - William Blair Chris Reimer - Barclays Alexei Gogolev - JPMorgan Operator Welcome to Sapiens International Corporation's 2024 Fourth Quarter Financial Results Call. seekingalpha.com - 1 month ago
Sapiens (SPNS) Q4 Earnings Beat Estimates Sapiens (SPNS) came out with quarterly earnings of $0.37 per share, beating the Zacks Consensus Estimate of $0.36 per share. This compares to earnings of $0.36 per share a year ago. zacks.com - 1 month ago
Sapiens Reports Fourth Quarter 2024 Financial Results ROCHELLE PARK, N.J., Feb. 18, 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 fourth quarter ended December 31, 2024. prnewswire.com - 1 month ago
Sapiens (SPNS) Reports Next Week: What Awaits? Sapiens (SPNS) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 2 months ago
8. Profile Summary

Sapiens International Corporation N.V. SPNS

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COUNTRY IL
INDUSTRY Software - Application
MARKET CAP $ 1.37 B
Dividend Yield 0.14%
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. Yaffa Cohen-Ifrah Chief Marketing Officer & Head of Investor Relations Ms. Osnat Segev-Harel Head of Corporate Development Mr. Raj Ghuman Chief Revenue Officer of EMEA & APAC Mr. Roni Al-Dor President, Chief Executive Officer & Director Mr. Alex Zukerman Chief Strategy Officer Ms. Hagit Ashkenazi Executive Vice President & Head of Professional Services Mr. Gary J. Sherne EVice President & Chief Revenue Officer of North America Mr. Rodrigo Rueda Sales Director Ms. Noa Brummer Chief Human Resources Officer Mr. Ilan Buganim Chief Technology & Information Officer