(SPNS) Sapiens International - Ratings and Ratios
Insurance, Software, Claims, Management
SPNS EPS (Earnings per Share)
SPNS Revenue
Description: SPNS Sapiens International
Sapiens International Corporation NV (NASDAQ:SPNS) is an Israeli company operating in the Application Software sub-industry. The companys stock performance is characterized by its relatively stable price movements, as reflected in its technical indicators.
To evaluate the companys financial health, we can examine its income tax expense on a yearly basis. A thorough analysis of this metric can reveal trends in the companys profitability and tax management strategies. Key performance indicators (KPIs) such as the effective tax rate, pre-tax income margin, and tax expense as a percentage of revenue can provide valuable insights into the companys financial performance.
The companys market capitalization stands at approximately $1.5 billion, with a price-to-earnings (P/E) ratio of 20.58 and a forward P/E ratio of 29.59. The return on equity (RoE) is 15.57%, indicating a relatively healthy profitability level. Key economic drivers for the company include the demand for application software, the competitive landscape, and the overall state of the global economy.
From a valuation perspective, SPNSs P/E ratio is slightly above the industry average, suggesting that the market has moderate expectations for the companys future growth. The forward P/E ratio, however, indicates that the market anticipates an increase in earnings in the future. To further assess the companys valuation, we can examine metrics such as the price-to-book (P/B) ratio, enterprise value-to-EBITDA (EV/EBITDA) ratio, and dividend yield.
To make informed investment decisions, its essential to monitor the companys financial performance, industry trends, and macroeconomic factors. By analyzing KPIs, key economic drivers, and valuation metrics, investors can gain a deeper understanding of SPNSs strengths, weaknesses, and growth prospects.
SPNS Stock Overview
| Market Cap in USD | 2,404m |
| Sub-Industry | Application Software |
| IPO / Inception | 1992-05-29 |
SPNS Stock Ratings
| Growth Rating | 69.0% |
| Fundamental | 78.0% |
| Dividend Rating | 49.6% |
| Return 12m vs S&P 500 | 5.28% |
| Analyst Rating | 2.80 of 5 |
SPNS Dividends
| Dividend Yield 12m | 1.53% |
| Yield on Cost 5y | 2.57% |
| Annual Growth 5y | 42.05% |
| Payout Consistency | 78.3% |
| Payout Ratio | 45.5% |
SPNS Growth Ratios
| Growth Correlation 3m | 89.9% |
| Growth Correlation 12m | 57.5% |
| Growth Correlation 5y | 33.3% |
| CAGR 5y | 34.65% |
| CAGR/Max DD 3y (Calmar Ratio) | 0.87 |
| CAGR/Mean DD 3y (Pain Ratio) | 2.82 |
| Sharpe Ratio 12m | 0.08 |
| Alpha | 7.73 |
| Beta | 0.933 |
| Volatility | 33.96% |
| Current Volume | 411.5k |
| Average Volume 20d | 542.3k |
| Stop Loss | 41.7 (-3.2%) |
| Signal | 0.66 |
Piotroski VR‑10 (Strict, 0-10) 7.5
| Net Income (68.4m TTM) > 0 and > 6% of Revenue (6% = 32.9m TTM) |
| FCFTA 0.10 (>2.0%) and ΔFCFTA 0.88pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 11.86% (prev 31.17%; Δ -19.31pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 82.4m > Net Income 68.4m (YES >=105%, WARN >=100%) |
| Net Debt (-19.2m) to EBITDA (102.1m) ratio: -0.19 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.37 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (56.1m) change vs 12m ago -0.17% (target <= -2.0% for YES) |
| Gross Margin 44.26% (prev 43.69%; Δ 0.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 78.03% (prev 79.79%; Δ -1.75pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 206.2 (EBITDA TTM 102.1m / Interest Expense TTM 395.0k) >= 6 (WARN >= 3) |
Altman Z'' 2.68
| (A) 0.09 = (Total Current Assets 239.8m - Total Current Liabilities 174.7m) / Total Assets 739.6m |
| (B) 0.22 = Retained Earnings (Balance) 160.2m / Total Assets 739.6m |
| (C) 0.12 = EBIT TTM 81.4m / Avg Total Assets 703.6m |
| (D) 0.59 = Book Value of Equity 134.1m / Total Liabilities 227.5m |
| Total Rating: 2.68 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 78.01
| 1. Piotroski 7.50pt = 2.50 |
| 2. FCF Yield 3.03% = 1.51 |
| 3. FCF Margin 13.11% = 3.28 |
| 4. Debt/Equity 0.09 = 2.50 |
| 5. Debt/Ebitda -0.19 = 2.50 |
| 6. ROIC - WACC (= 7.37)% = 9.21 |
| 7. RoE 14.32% = 1.19 |
| 8. Rev. Trend 93.98% = 7.05 |
| 9. EPS Trend -34.55% = -1.73 |
What is the price of SPNS shares?
Over the past week, the price has changed by +0.19%, over one month by +0.19%, over three months by +43.35% and over the past year by +21.57%.
Is Sapiens International a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SPNS is around 43.69 USD . This means that SPNS is currently overvalued and has a potential downside of 1.39%.
Is SPNS a buy, sell or hold?
- Strong Buy: 0
- Buy: 1
- Hold: 2
- Sell: 2
- Strong Sell: 0
What are the forecasts/targets for the SPNS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 37.3 | -13.6% |
| Analysts Target Price | 37.3 | -13.6% |
| ValueRay Target Price | 49.1 | 13.9% |
Last update: 2025-10-11 03:55
SPNS Fundamental Data Overview
P/E Trailing = 35.2541
P/E Forward = 29.5858
P/S = 4.3791
P/B = 4.8249
P/EG = 5.9208
Beta = 0.933
Revenue TTM = 549.0m USD
EBIT TTM = 81.4m USD
EBITDA TTM = 102.1m USD
Long Term Debt = 19.8m USD (from longTermDebt, last fiscal year)
Short Term Debt = 27.1m USD (from shortTermDebt, last quarter)
Debt = 45.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -19.2m USD (from netDebt column, last quarter)
Enterprise Value = 2.38b USD (2.40b + Debt 45.4m - CCE 74.5m)
Interest Coverage Ratio = 206.2 (Ebit TTM 81.4m / Interest Expense TTM 395.0k)
FCF Yield = 3.03% (FCF TTM 72.0m / Enterprise Value 2.38b)
FCF Margin = 13.11% (FCF TTM 72.0m / Revenue TTM 549.0m)
Net Margin = 12.45% (Net Income TTM 68.4m / Revenue TTM 549.0m)
Gross Margin = 44.26% ((Revenue TTM 549.0m - Cost of Revenue TTM 306.0m) / Revenue TTM)
Gross Margin QoQ = 43.71% (prev 44.57%)
Tobins Q-Ratio = 3.21 (Enterprise Value 2.38b / Total Assets 739.6m)
Interest Expense / Debt = 0.87% (Interest Expense 395.0k / Debt 45.4m)
Taxrate = 20.37% (3.68m / 18.1m)
NOPAT = 64.8m (EBIT 81.4m * (1 - 20.37%))
Current Ratio = 1.37 (Total Current Assets 239.8m / Total Current Liabilities 174.7m)
Debt / Equity = 0.09 (Debt 45.4m / totalStockholderEquity, last quarter 498.3m)
Debt / EBITDA = -0.19 (Net Debt -19.2m / EBITDA 102.1m)
Debt / FCF = -0.27 (Net Debt -19.2m / FCF TTM 72.0m)
Total Stockholder Equity = 477.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.24% (Net Income 68.4m / Total Assets 739.6m)
RoE = 14.32% (Net Income TTM 68.4m / Total Stockholder Equity 477.5m)
RoCE = 16.38% (EBIT 81.4m / Capital Employed (Equity 477.5m + L.T.Debt 19.8m))
RoIC = 16.66% (NOPAT 64.8m / Invested Capital 389.3m)
WACC = 9.29% (E(2.40b)/V(2.45b) * Re(9.45%) + D(45.4m)/V(2.45b) * Rd(0.87%) * (1-Tc(0.20)))
Discount Rate = 9.45% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.14%
[DCF Debug] Terminal Value 75.00% ; FCFE base≈66.8m ; Y1≈74.1m ; Y5≈96.9m
Fair Price DCF = 23.50 (DCF Value 1.31b / Shares Outstanding 55.9m; 5y FCF grow 12.65% → 3.0% )
EPS Correlation: -34.55 | EPS CAGR: -56.94% | SUE: -4.0 | # QB: 0
Revenue Correlation: 93.98 | Revenue CAGR: 6.53% | SUE: 0.98 | # QB: 1
Additional Sources for SPNS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle