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Sapiens International Corporation N.V. stock

SPNS
KYG7T16G1039
A2N4QA

Price

27.73
Today +/-
+0.17
Today %
+0.65 %

Sapiens International Corporation N.V. stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Sapiens International Corporation N.V. stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Sapiens International Corporation N.V. stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Sapiens International Corporation N.V. stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Sapiens International Corporation N.V.'s market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Sapiens International Corporation N.V. Stock Price History

DateSapiens International Corporation N.V. Price
11/22/202427.73 undefined
11/21/202427.55 undefined
11/20/202427.12 undefined
11/19/202427.20 undefined
11/18/202427.15 undefined
11/15/202428.00 undefined
11/14/202428.56 undefined
11/13/202428.30 undefined
11/12/202428.11 undefined
11/11/202429.10 undefined
11/8/202439.45 undefined
11/7/202439.48 undefined
11/6/202438.98 undefined
11/5/202437.11 undefined
11/4/202437.25 undefined
11/1/202437.01 undefined
10/31/202436.88 undefined
10/30/202437.98 undefined
10/29/202437.49 undefined
10/28/202437.45 undefined

Sapiens International Corporation N.V. Revenue, EBIT, Net Income

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Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Sapiens International Corporation N.V., a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Sapiens International Corporation N.V. from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Sapiens International Corporation N.V.’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Sapiens International Corporation N.V.. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Sapiens International Corporation N.V.’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Sapiens International Corporation N.V.’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Sapiens International Corporation N.V.’s growth potential.

Sapiens International Corporation N.V. Revenue, EBIT and net profit per share

DateSapiens International Corporation N.V. RevenueSapiens International Corporation N.V. EBITSapiens International Corporation N.V. Net Income
2026e599.94 M undefined124.96 M undefined91.31 M undefined
2025e570 M undefined112.89 M undefined85.25 M undefined
2024e554.89 M undefined103 M undefined83.8 M undefined
2023514.58 M undefined78.87 M undefined62.44 M undefined
2022474.7 M undefined66.5 M undefined52.6 M undefined
2021461 M undefined57.5 M undefined47.2 M undefined
2020382.9 M undefined45 M undefined33.8 M undefined
2019325.7 M undefined37.9 M undefined26.2 M undefined
2018289.7 M undefined23 M undefined13.8 M undefined
2017269.2 M undefined1 M undefined400,000 undefined
2016216.2 M undefined24.8 M undefined19.3 M undefined
2015185.6 M undefined24.4 M undefined20 M undefined
2014157.5 M undefined14.9 M undefined14.5 M undefined
2013135.4 M undefined11.9 M undefined11.6 M undefined
2012113.9 M undefined12 M undefined11.8 M undefined
201169.9 M undefined6.7 M undefined5.9 M undefined
201052.2 M undefined6.7 M undefined6.2 M undefined
200945.7 M undefined5.3 M undefined4.2 M undefined
200843.5 M undefined2.5 M undefined-300,000 undefined
200742.4 M undefined800,000 undefined-2.3 M undefined
200644.3 M undefined-500,000 undefined-3.8 M undefined
200539.4 M undefined-4.4 M undefined-9.1 M undefined
200447.8 M undefined-800,000 undefined-5.1 M undefined

Sapiens International Corporation N.V. Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (M)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
1994199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e
333639447191726364524739444243455269113135157185216269289325382461474514554570599
-9.098.3312.8261.3628.17-20.88-12.501.59-18.75-9.62-17.0212.82-4.552.384.6515.5632.6963.7719.4716.3017.8316.7624.547.4312.4617.5420.682.828.447.782.895.09
39.3944.4453.8554.5550.7050.5529.1731.7543.7544.2344.6835.9034.0938.1039.5342.2242.3142.0341.5937.0436.9440.0039.3534.5737.7239.6940.8440.5642.1942.6139.5338.4236.56
131621243646212028232114151617192229475058748593109129156187200219000
-290-72912-38-18-5-2-5-9-3-2046511111420190132633475262838591
----128.57350.0033.33-416.67-52.63-72.22-60.00150.0080.00-66.67-33.33--50.00-16.67120.00-27.2742.86-5.00--100.0026.9242.4210.6419.2333.872.417.06
---------------------------------
---------------------------------
2.52.42.53.64.34.94.54.6510.711.31213.418.221.521.622.230.841.742.348.649.349.849.950.150.752.255.655.655.72000
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Details

Keystats

Revenue and Growth

The Sapiens International Corporation N.V. Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Sapiens International Corporation N.V. is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (k)INTANGIBLE ASSETS (M)GOODWILL (M)OTHER NON-CURRENT ASSETS (M)NON-CURRENT ASSETS (M)TOTAL ASSETS (M)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (M)RETAINED EARNINGS (M)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (k)EQUITY (M)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (M)SHORT-TERM DEBTS (M)LONG-TERM DEBT PORTION (M)SHORT-TERM REC. (M)LONG-T. LIAB. (M)DEFERRED TAXES (M)OTHER LIAB. (M)LONG-T. LIABILITIES (M)DEBT (M)TOTAL CAPITAL (M)
19951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                         
24.720.523.13316.819.916.123.732.822.1123.113.17.911.216.221.529.170.347.463.179.171.564.666.3182.6210.2180.3202.12
10.411.214.116.431.931.717.610.49.1108.3117.56.95.15.514.516.323.731.829.834.753.259.250.265.476.393.490.27
023.22.54.54.83.93.72.52.30.60.40.60.50.41.41.82.34.145.46.46.36.27.819.413.811.622.51
00000000000000000000000000000
3.8001.62.72.94.12.22.41.80.91.31.32.12.61.71.92.82.40000022.90000
38.933.740.453.555.959.341.74046.836.221.815.822.517.419.324.839.750.5100.583.298.3120.2131130147.2267.4300.3285.3314.9
6.24.84.45.15.26.74.13.43.12.41.71.51.21.10.91.21.82.25.355.79.810.78.566.171.458.145.736.22
000000000.21.21.31.41.61.21.44.910.210.311.243.836.421.34.54.700000
1,0001,00090000000000000000000000000000
6.78.39.19.111.312.39.68.611.41413.213.614.31113.515.431.629.23027.927.528.465.2231.35899.382.167.461.04
0.60.50.43.110.19.27.68.68.68.68.68.68.68.68.69.666.768.172.467.77073.6158.60170.7264.3261.1252.2256.31
2.71.92.32.52.74.95.34.66.66.45.24.74.36233.52.335.64.34.63.74.310.411.813.217.721.15
17.216.517.119.829.333.126.625.229.932.63029.83027.926.434.1113.8112.1121.9150143.9137.7242.7248.8305.2446.8414.5383374.72
56.150.257.573.385.292.468.365.276.768.851.845.652.545.345.758.9153.5162.6222.4233.2242.2257.9373.7378.8452.4714.2714.8668.3689.62
                                                         
4.24.87.288.79.416.423.823.80.10.20.20.30.30.30.30.50.50.60.70.70.70.700.70.80.80.80.76
48.152.660.264.270.676.979.581.781.1107.5109.5112.5132132.3132.5133.1207.9210244.6249.3234226.8221.20217334.7340.8344.7353.32
-39.8-47.1-43.9-34.6-22-60.2-78.1-83.3-85.5-90.6-99.7-103.5-106.4-106.7-102.5-96.4-90.5-78.7-67.1-52.6-32.6-13.3-12.9017.944.671.685.6119.88
-0.7-0.8-1.1-2.1-3.5-4.8-5.2-3.8-3.1-2.5-3.9-2.8-1.7-1.7-1.6-0.7-6.3-4.91.1-10.1-11.5-110.5202.5-2.4112.8-21.1-17.26
10010000000000000000000-200-200-1000000000
11.99.622.435.553.821.312.618.416.314.56.16.424.224.228.736.3111.6126.9179.2187.1190.4203.1209.5202.5233.2391.1416410456.69
5.13.22.43.13.56.13.22.62.62.71.921.11.51.21.72.64.46.53.34.76.676.15.15.459.46.29
00000000000000011.617.22020.627323246.64768.884.387.38684.5
14.212.71015.418.428.320.418.214.311.811.610.812.614.617.26.512.17.39.99.310.39.116.518.121.135.339.630.738.54
476.913.93.616.816.259.49.2129.350000000000000000
1.21.210.10.10.20.24.50.29.77.26.34.55.70000000009.99.919.819.819.819.8
24.524.120.332.525.651.44030.326.533.432.728.423.221.818.419.831.931.73739.64747.770.181.1104.9144.8151.7145.9149.12
18.41716.17.38.27.47.47.824.823.315.613.27.61.414.711.312.41515.213.114.892.168.658.998.77959.339.54
0.10000000000000000000009.211.75.11615.411.410.82
3.41.91.10.4014.710.711.211.5000000000000001558.170.560.148.840.19
21.918.917.27.78.222.118.11936.323.315.613.27.61.414.711.312.41515.213.114.8101.395.3122.1185.2154.5119.590.55
46.44337.540.233.873.558.149.362.856.748.341.630.823.219.424.543.244.15254.860.162.5171.4176.4227330306.2265.4239.68
58.352.659.975.787.694.870.767.779.171.254.4485547.448.160.8154.8171231.2241.9250.5265.6380.9378.9460.2721.1722.2675.4696.37
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Sapiens International Corporation N.V. provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Sapiens International Corporation N.V.'s financial health and stability.

Assets

Sapiens International Corporation N.V.'s assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Sapiens International Corporation N.V. must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Sapiens International Corporation N.V. after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Sapiens International Corporation N.V.'s financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (M)PAID INTEREST (M)PAID TAXES (M)NET CASH FLOW FROM OPERATING ACTIVITIES (M)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (M)CASH FLOW FROM OTHER INVESTING ACTIVITIES (M)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (M)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (M)CASH FLOW FROM OTHER FINANCING ACTIVITIES (M)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (M)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
199419951996199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
-290-64913-38-17-5-2-4-9-3-2046511111420190142634475262
34335669435554556677891015191923282221
00000-1-20000000000001-121-8-1-60-1-10-3
6-11-83-171155-1-32-3333-1-5-1-4-17-60-625-30-25-5
14-1400000000000211111112344281077
321110110022210000000000225300
00000000100000000010021226166100
-4-11-20170-21-240-200791312818172140269276658804379
-9-10-3-4-6-6-8-4-3-5-5-4-4-3-4-4-6-5-4-9-7-8-10-8-7-17-11-11-9-9
145-3-2-7-4-3-4-3-5-1500-3-3-4-7-2-4-9-42-18-9-73-25-41-1270-12-72
231501-114000-1055000-1200-35-100-65-18-24-11611-3-63
000000000000000000000000000000
001-1-2-10120-515-4-6-5-13-11-60000000780-950-19-19-19
-20082309100122190000-539110200113204
-20170-6336414-2-4-36-10-600-5331-14-1170-9-20156-39-58-43
00000019-40-100000000000-8-10000-100
0000000000000000000-50-7-9-9-9-11-7-20-38-28
7-6-439-118059-20-4-310-5355741-226510-618637-29-33
-13.53-21.32-5.56-5.0311.57-6.08-29.36-7.11.21-5.01-8.18-4.39-5.833.765.519.525.983.19147.751431.5915.831.0620.6349.0247.0268.6934.7370.16
000000000000000000000000000000

Sapiens International Corporation N.V. stock margins

The Sapiens International Corporation N.V. margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Sapiens International Corporation N.V.. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Sapiens International Corporation N.V..
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Gross margin
EBIT margin
Profit margin
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Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Sapiens International Corporation N.V.'s sales revenue. A higher gross margin percentage indicates that the Sapiens International Corporation N.V. retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Sapiens International Corporation N.V.'s earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Sapiens International Corporation N.V.'s total revenue generated. When comparing the revenue margin year over year, investors can gauge the Sapiens International Corporation N.V.'s growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Sapiens International Corporation N.V.. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Sapiens International Corporation N.V.'s financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Sapiens International Corporation N.V. Margin History

Sapiens International Corporation N.V. Gross marginSapiens International Corporation N.V. Profit marginSapiens International Corporation N.V. EBIT marginSapiens International Corporation N.V. Profit margin
2026e42.67 %20.83 %15.22 %
2025e42.67 %19.81 %14.96 %
2024e42.67 %18.56 %15.1 %
202342.67 %15.33 %12.13 %
202242.17 %14.01 %11.08 %
202140.74 %12.47 %10.24 %
202040.74 %11.75 %8.83 %
201939.76 %11.64 %8.04 %
201837.83 %7.94 %4.76 %
201734.73 %0.37 %0.15 %
201639.69 %11.47 %8.93 %
201540.09 %13.15 %10.78 %
201437.08 %9.46 %9.21 %
201337.22 %8.79 %8.57 %
201241.7 %10.54 %10.36 %
201142.78 %9.59 %8.44 %
201042.72 %12.84 %11.88 %
200941.79 %11.6 %9.19 %
200839.31 %5.75 %-0.69 %
200739.62 %1.89 %-5.42 %
200634.99 %-1.13 %-8.58 %
200537.06 %-11.17 %-23.1 %
200443.93 %-1.67 %-10.67 %

Sapiens International Corporation N.V. Stock Sales Revenue, EBIT, Earnings per Share

The Sapiens International Corporation N.V. earnings per share therefore indicates how much revenue Sapiens International Corporation N.V. has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Sapiens International Corporation N.V. earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Sapiens International Corporation N.V.'s earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Sapiens International Corporation N.V.’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Sapiens International Corporation N.V.'s prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Sapiens International Corporation N.V. Revenue, EBIT and net profit per share

DateSapiens International Corporation N.V. Sales per ShareSapiens International Corporation N.V. EBIT per shareSapiens International Corporation N.V. Earnings per Share
2026e10.76 undefined0 undefined1.64 undefined
2025e10.23 undefined0 undefined1.53 undefined
2024e9.95 undefined0 undefined1.5 undefined
20239.23 undefined1.42 undefined1.12 undefined
20228.54 undefined1.2 undefined0.95 undefined
20218.29 undefined1.03 undefined0.85 undefined
20207.34 undefined0.86 undefined0.65 undefined
20196.42 undefined0.75 undefined0.52 undefined
20185.78 undefined0.46 undefined0.28 undefined
20175.39 undefined0.02 undefined0.01 undefined
20164.34 undefined0.5 undefined0.39 undefined
20153.76 undefined0.49 undefined0.41 undefined
20143.24 undefined0.31 undefined0.3 undefined
20133.2 undefined0.28 undefined0.27 undefined
20122.73 undefined0.29 undefined0.28 undefined
20112.27 undefined0.22 undefined0.19 undefined
20102.35 undefined0.3 undefined0.28 undefined
20092.12 undefined0.25 undefined0.19 undefined
20082.02 undefined0.12 undefined-0.01 undefined
20072.33 undefined0.04 undefined-0.13 undefined
20063.31 undefined-0.04 undefined-0.28 undefined
20053.28 undefined-0.37 undefined-0.76 undefined
20044.23 undefined-0.07 undefined-0.45 undefined

Sapiens International Corporation N.V. business model

Sapiens International Corporation NV is a globally active company that offers software solutions and digital platforms for insurance, financial, human resources, healthcare, and legal markets. The company's origins date back to the 1980s when a group of Israeli IT experts began developing industry-specific software solutions. Sapiens was later founded and focused on developing proprietary software solutions for the insurance sector and other industries. Today, Sapiens is a leading provider of software solutions for insurance providers and other financial services companies. The company believes that the digital transformation of the insurance industry will accelerate in the coming years and specializes in providing customers with the tools and technologies they need to succeed in this changing landscape. Sapiens' business model consists of three main areas: software licenses, implementation and maintenance of software applications, and professional services. The company focuses on providing scalable and flexible solutions that meet the needs of businesses of all sizes and industries. Sapiens' product range includes various software solutions tailored to the specific requirements of insurance companies. Products include core insurance systems, travel management software, claims management solutions, customer management tools, and business intelligence applications. Additionally, Sapiens offers solutions for various other industries. Sapiens' human resources software enables companies to manage HR processes, manage payroll data, and meet compliance requirements. Sapiens' healthcare solutions enable healthcare companies to manage clinical data and securely store and share patient records. In the financial services industry, Sapiens offers solutions for asset management, risk assessment, and compliance monitoring. Sapiens aims to enable seamless integration and interoperability of its products for its customers. To achieve this goal, Sapiens has built partnerships with other companies and organizations to develop secure, standardized communication protocols and data exchange formats. Another key goal of Sapiens is to enable its customers to achieve fast time-to-market. To achieve this, the company has implemented a rapid development and implementation methodology that allows its customers to quickly bring new products and services to market and remain competitive in a fast-paced environment. Sapiens is headquartered in Israel and has offices in North America, Europe, and Asia. The company has a long track record of success and works with some of the most renowned brands in the insurance and financial services industries. Overall, Sapiens is a leading provider of IT solutions for insurance and financial services companies that focuses on providing flexible and scalable products and services. The company aims to enable its customers to achieve fast time-to-market and seamless integration of its products, and to evolve through partnerships and collaboration with other organizations. Sapiens International Corporation N.V. is one of the most popular companies on Eulerpool.com.

Sapiens International Corporation N.V. SWOT Analysis

Strengths

Sapiens International Corporation NV has established a strong market position as a leading provider of software solutions for the insurance and financial services industries. Its wide range of products and services cater to the evolving needs of its clients, giving it a competitive advantage.

The company boasts a diversified customer base consisting of prominent insurance companies and financial institutions globally. This diversification helps Sapiens mitigate the risk associated with relying heavily on a single customer or sector.

Sapiens adopts and invests in advanced technologies, including artificial intelligence (AI) and machine learning, enabling the development of innovative and efficient software solutions. This positions the company as a technology leader in its industry.

Weaknesses

Sapiens relies on a small number of key customers for a significant portion of its revenue. Any loss or termination of these key customer relationships could have a negative impact on the company's financial performance.

Sapiens has grown through acquisitions, which may result in integration challenges, including aligning different corporate cultures and systems. If not managed effectively, these challenges could lead to operational inefficiencies and disrupt business operations.

The company's revenue is heavily concentrated in specific geographic regions, such as North America and Europe. Any adverse conditions or economic downturns in these regions could negatively impact Sapiens' financial performance.

Opportunities

The increasing digitalization in the insurance industry presents opportunities for Sapiens to provide innovative insurtech solutions, addressing the changing needs and preferences of customers. This market trend can drive the company's future growth.

Sapiens can explore expansion opportunities in emerging markets where the demand for insurance and financial services is on the rise. This expansion can diversify the company's revenue streams and reduce dependence on specific regions.

Forming strategic partnerships with complementary technology providers or industry-leading companies can help Sapiens expand its product offerings and enter new markets more effectively, driving incremental revenue growth.

Threats

The insurance and financial services software market is highly competitive, with many established players and new entrants vying for market share. This intense competition can potentially erode Sapiens' market position and impact its revenue growth.

The rapid pace of technological advancements may pose a challenge for Sapiens in effectively adapting and keeping up with emerging technologies. Failure to remain at the forefront of technological innovation can hinder the company's competitiveness.

Global economic uncertainties, political instability, and regulatory changes can significantly impact the insurance and financial services industry. Sapiens must stay vigilant to mitigate any potential adverse effects on its operations, financials, and market opportunities.

Sapiens International Corporation N.V. Revenue by Region

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Details

Revenue by Segment

Overview of Revenue by Region

The chart shows revenues by region and provides a clear comparison of regional revenue distribution. Each region is clearly marked to illustrate the differences.

Interpretation and Usage

The diagram helps to identify the regions with the highest revenue and to make targeted decisions for regional expansion or investments. It supports the analysis of market potentials and strategic priorities.

Investment Strategy

An investment strategy focused on regions concentrates on the deliberate capital allocation in different markets to optimally use regional growth opportunities. It takes into account market conditions and regional risk factors.

Sapiens International Corporation N.V. Revenue by Segment

DateUK
202264.38 M USD
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Sapiens International Corporation N.V. Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Sapiens International Corporation N.V. historical P/E ratio, EBIT multiple, and P/S ratio

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Sapiens International Corporation N.V. shares outstanding

The number of shares was Sapiens International Corporation N.V. in 2023 — This indicates how many shares 55.721 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Sapiens International Corporation N.V. earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Sapiens International Corporation N.V.'s earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Sapiens International Corporation N.V.’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Sapiens International Corporation N.V.'s prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Sapiens International Corporation N.V. stock splits

In Sapiens International Corporation N.V.'s history, there have been no stock splits.

Sapiens International Corporation N.V. dividend history and estimates

In 2023, Sapiens International Corporation N.V. paid a dividend amounting to 0.51 USD. Dividend means that Sapiens International Corporation N.V. distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
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Dividend

Dividend Overview

The dividend per year chart for Sapiens International Corporation N.V. provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Sapiens International Corporation N.V.’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Sapiens International Corporation N.V.'s overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Sapiens International Corporation N.V. Dividend History

DateSapiens International Corporation N.V. Dividend
2026e0.54 undefined
2025e0.54 undefined
2024e0.54 undefined
20230.51 undefined
20220.7 undefined
20210.37 undefined
20200.14 undefined
20190.22 undefined
20180.2 undefined
20170.2 undefined
20160.35 undefined
20150.15 undefined
20130.15 undefined

Sapiens International Corporation N.V. dividend payout ratio

In 2023, Sapiens International Corporation N.V. had a payout ratio of 46.25%. The payout ratio indicates the percentage of the company's profits that Sapiens International Corporation N.V. distributes as dividends.
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Sapiens International Corporation N.V. represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Sapiens International Corporation N.V. could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Sapiens International Corporation N.V.'s payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Sapiens International Corporation N.V. Payout Ratio History

DateSapiens International Corporation N.V. Payout ratio
2026e52.96 %
2025e58.14 %
2024e54.49 %
202346.25 %
202273.68 %
202143.53 %
202021.54 %
201942.31 %
201871.43 %
201746.25 %
201689.74 %
201536.59 %
201446.25 %
201355.56 %
201246.25 %
201146.25 %
201046.25 %
200946.25 %
200846.25 %
200746.25 %
200646.25 %
200546.25 %
200446.25 %
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Unfortunately, there are currently no price targets and forecasts available for Sapiens International Corporation N.V..

Sapiens International Corporation N.V. latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20240.38 0.37  (-3.52 %)2024 Q3
6/30/20240.37 0.37  (0.43 %)2024 Q2
3/31/20240.35 0.36  (2.8 %)2024 Q1
12/31/20230.35 0.36  (3.81 %)2023 Q4
9/30/20230.34 0.34  (-0.7 %)2023 Q3
6/30/20230.33 0.33  (0.52 %)2023 Q2
3/31/20230.32 0.31  (-2.02 %)2023 Q1
12/31/20220.31 0.32  (1.75 %)2022 Q4
9/30/20220.3 0.3  (-0.3 %)2022 Q3
6/30/20220.3 0.27  (-10.39 %)2022 Q2
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Eulerpool ESG Scorecard© for the Sapiens International Corporation N.V. stock

Eulerpool World ESG Rating (EESG©)

69/ 100

🌱 Environment

90

👫 Social

90

🏛️ Governance

25

Environment

Scope 1 - Direct Emissions
455
Scope 2 - Indirect emissions from purchased energy
2,167
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
2,622
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees36
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Sapiens International Corporation N.V. shareholders

%
Name
Stocks
Change
Date
43.62175 % Formula Systems 1985 Ltd24,314,76603/1/2024
2.58776 % BlackRock Institutional Trust Company, N.A.1,442,42032,7206/30/2024
2.43454 % The Vanguard Group, Inc.1,357,010-2,6016/30/2024
1.86027 % Dimensional Fund Advisors, L.P.1,036,91525,6236/30/2024
1.59048 % Acadian Asset Management LLC886,536-68,2556/30/2024
1.55337 % Al Dor (Roni)865,849450,0003/1/2024
1.53400 % T. Rowe Price Associates, Inc.855,0508,3076/30/2024
1.31365 % Nine Ten Capital Management LLC732,227567,5646/30/2024
1.26668 % Royce Investment Partners706,045181,8256/30/2024
1.22175 % Renaissance Technologies LLC681,00487,0016/30/2024
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5
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Sapiens International Corporation N.V. Supply Chain

NameRelationshipTwo-week correlationOne-month correlationThree-Month CorrelationSix-Month CorrelationOne Year CorrelationTwo-Year Correlation
Formula Systems 1985 Stock
Formula Systems 1985
SupplierCustomer0,690,070,670,920,77
SupplierCustomer0,58-0,010,760,240,240,07
SupplierCustomer0,520,67-0,620,680,330,27
SupplierCustomer0,460,310,01-0,28-0,04-0,05
SupplierCustomer0,43-0,150,380,540,660,34
SupplierCustomer0,360,030,18-0,48-0,09-0,22
SupplierCustomer0,120,10-0,730,580,330,36
SupplierCustomer0,11 0,850,810,720,30
SupplierCustomer0,09-0,11-0,09-0,44-0,46-0,21
SupplierCustomer0,05-0,010,280,850,680,04
1

Most common questions regarding Sapiens International Corporation N.V.

What values and corporate philosophy does Sapiens International Corporation N.V. represent?

Sapiens International Corporation NV represents a culture of innovation, excellence, and customer-centric approach. As a leading provider of software solutions, Sapiens values continuous improvement and strives to deliver cutting-edge technologies to its clients. The company believes in fostering long-term partnerships by understanding clients' unique needs and delivering customized solutions. Sapiens also prioritizes integrity, transparency, and ethical conduct in all business interactions. With a global presence and diverse workforce, Sapiens promotes collaboration, diversity, and inclusion, creating a dynamic and vibrant corporate culture. By consistently offering reliable and effective solutions, Sapiens International Corporation NV is dedicated to driving success for its clients and stakeholders.

In which countries and regions is Sapiens International Corporation N.V. primarily present?

Sapiens International Corporation NV primarily operates in numerous countries and regions worldwide. With a strong global presence, the company's reach extends to key markets such as North America, Europe, Asia-Pacific, and the Middle East. Sapiens International Corporation NV has established a strong foothold in major financial and insurance hubs, including the United States, United Kingdom, Germany, India, Australia, and Israel. The company's extensive presence across multiple geographies allows it to serve a diverse range of clients and cater to the unique needs of different markets, reinforcing its position as a leading international provider of software solutions for the insurance industry.

What significant milestones has the company Sapiens International Corporation N.V. achieved?

Sapiens International Corporation NV, a leading global provider of software solutions for the insurance industry, has achieved several significant milestones. The company's innovative technology and outstanding customer service have garnered remarkable recognition. Sapiens expanded globally, establishing numerous strategic partnerships and acquiring key players in the industry. The company consistently delivers cutting-edge solutions tailored to meet evolving market demands. Sapiens' commitment to excellence has resulted in prestigious industry awards and accolades. With its strong track record and continuous focus on innovation, Sapiens International Corporation NV remains a trusted leader in the insurance software solutions market.

What is the history and background of the company Sapiens International Corporation N.V.?

Sapiens International Corporation NV, founded in 1982, is a leading global provider of software solutions for the insurance industry. With headquarters in Israel, it has expanded its presence worldwide. Over the years, Sapiens has developed a strong track record, delivering innovative technology solutions that enable insurers to adapt to industry demands. The company offers a comprehensive suite of software platforms, including policy administration, claims management, and digital solutions, catering to various lines of business. Sapiens' commitment to technology-driven solutions has made it a trusted partner to many insurance companies, assisting them in enhancing operational efficiency, reducing costs, and improving customer service. With its extensive expertise and global presence, Sapiens remains at the forefront of the insurance software industry.

Who are the main competitors of Sapiens International Corporation N.V. in the market?

The main competitors of Sapiens International Corporation NV in the market include insurance software providers such as Guidewire Software Inc., Majesco, and Insurity Inc. These companies offer similar solutions and services to insurance companies, fostering competition within the industry. However, Sapiens International Corporation NV distinguishes itself with its comprehensive suite of digital insurance solutions, advanced technologies, and global presence. With its innovative approach and strong market position, Sapiens International Corporation NV continues to successfully compete and deliver value to its customers in the highly competitive insurance software market.

In which industries is Sapiens International Corporation N.V. primarily active?

Sapiens International Corporation NV is primarily active in the insurance software and services industry.

What is the business model of Sapiens International Corporation N.V.?

The business model of Sapiens International Corporation NV focuses on providing innovative software solutions for the insurance industry. As a leading provider, Sapiens offers a comprehensive suite of digital insurance software platforms and solutions that address the evolving needs of insurers and intermediaries. With its cutting-edge technology and domain expertise, Sapiens enables insurance companies to streamline their operations, enhance customer experience, and drive business growth. By delivering tailored software solutions and services, Sapiens empowers insurers to adapt to market dynamics, improve efficiency, and deliver superior value to their customers. Sapiens International Corporation NV excels in transforming the insurance industry through its advanced technology solutions.

What is the P/E ratio of Sapiens International Corporation N.V. 2024?

The Sapiens International Corporation N.V. P/E ratio is 18.44.

What is the P/S ratio of Sapiens International Corporation N.V. 2024?

The Sapiens International Corporation N.V. P/S ratio is 2.78.

What is the Quality Investing of Sapiens International Corporation N.V.?

The Quality Investing for Sapiens International Corporation N.V. is 7/10.

What is the revenue of Sapiens International Corporation N.V. 2024?

The expected Sapiens International Corporation N.V. revenue is 554.89 M USD.

How high is the profit of Sapiens International Corporation N.V. 2024?

The expected Sapiens International Corporation N.V. profit is 83.8 M USD.

What is the business model of Sapiens International Corporation N.V.

Sapiens International Corporation NV is a leading global company in the field of digital transformation and offers state-of-the-art technology solutions. The company's business model is based on the development and provision of innovative software products and services for various industries, including insurance, banking, telecommunications, retail, and financial services. The company has three main business segments: Core Software, Cloud Software, and Digital Services. The Core Software segment offers revolutionary software solutions for automating the entire insurance process. The product portfolio includes Sapiens IDIT, Sapiens ALIS, Sapiens Reinsurance, Sapiens Claims, and others. The products in the core segment increase operational efficiency, reduce operating costs, and improve customer satisfaction and loyalty. Sapiens' core services facilitate integration with existing systems such as accounting, administration, brokers, and creditors. In the Cloud Software segment, Sapiens offers faster and flexible implementation of digital solutions. The cloud-based services and products provided on the Sapiens Cloud Service include Sapiens Digital Suite, Sapiens CoreSuite for Workers' Compensation, Sapiens PowerSuite, and Sapiens UnderwritingPro. The products in the cloud segment are ideal for small to medium-sized companies as they enable faster implementation, automation, and simplified frequency management. In the Digital Services segment, Sapiens offers high-level consulting and development services. These services include various consulting and implementation projects, including technology consulting, implementation, testing, maintenance, and other services. The Digital Services segment provides balance sheet analysis and solutions for implementing digital transformation. The segment positions itself as a solution enabler and offers customized solutions to its customers. Sapiens is able to offer its customers a complete solution package for their business operations. The combined business interests can be summarized in three strategic pillars: the automation of business processes and services, digital transformation to achieve business goals, and the enhancement of customer experience in the digital world, with mobile solutions, online self-service platforms, and personalized, data-driven offerings. In summary, the business model of Sapiens International Corporation NV has focused on the emerging needs in digital transformation, which is highly necessary for the survival of companies in the changing global economy. Through a combination of core software, cloud services, and digital services, and the continuous development and improvement of solutions, Sapiens is able to create competitive advantages for its customers and future-proof itself in the ever-changing economy.

What is the Sapiens International Corporation N.V. dividend?

Sapiens International Corporation N.V. pays a dividend of 0.7 USD distributed over payouts per year.

How often does Sapiens International Corporation N.V. pay dividends?

The dividend cannot currently be calculated for Sapiens International Corporation N.V. or the company does not pay out a dividend.

What is the Sapiens International Corporation N.V. ISIN?

The ISIN of Sapiens International Corporation N.V. is KYG7T16G1039.

What is the Sapiens International Corporation N.V. WKN?

The WKN of Sapiens International Corporation N.V. is A2N4QA.

What is the Sapiens International Corporation N.V. ticker?

The ticker of Sapiens International Corporation N.V. is SPNS.

How much dividend does Sapiens International Corporation N.V. pay?

Over the past 12 months, Sapiens International Corporation N.V. paid a dividend of 0.51 USD . This corresponds to a dividend yield of about 1.84 %. For the coming 12 months, Sapiens International Corporation N.V. is expected to pay a dividend of 0.54 USD.

What is the dividend yield of Sapiens International Corporation N.V.?

The current dividend yield of Sapiens International Corporation N.V. is 1.84 %.

When does Sapiens International Corporation N.V. pay dividends?

Sapiens International Corporation N.V. pays a quarterly dividend. This is distributed in the months of May, September, May, September.

How secure is the dividend of Sapiens International Corporation N.V.?

Sapiens International Corporation N.V. paid dividends every year for the past 12 years.

What is the dividend of Sapiens International Corporation N.V.?

For the upcoming 12 months, dividends amounting to 0.54 USD are expected. This corresponds to a dividend yield of 1.94 %.

In which sector is Sapiens International Corporation N.V. located?

Sapiens International Corporation N.V. is assigned to the 'Information technology' sector.

Wann musste ich die Aktien von Sapiens International Corporation N.V. kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Sapiens International Corporation N.V. from 9/12/2024 amounting to 0.29 USD, you needed to have the stock in your portfolio before the ex-date on 8/28/2024.

When did Sapiens International Corporation N.V. pay the last dividend?

The last dividend was paid out on 9/12/2024.

What was the dividend of Sapiens International Corporation N.V. in the year 2023?

In the year 2023, Sapiens International Corporation N.V. distributed 0.7 USD as dividends.

In which currency does Sapiens International Corporation N.V. pay out the dividend?

The dividends of Sapiens International Corporation N.V. are distributed in USD.

All fundamentals about Sapiens International Corporation N.V.

Our stock analysis for Sapiens International Corporation N.V. Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Sapiens International Corporation N.V. Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.