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Sapiens International Corporation N.V. (SPNS.TA)
Key financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 326 | 383 | 461 | 475 | 515 | 542 | 564 |
| Operating profit | $m | 86 | 77 | |||||
| Net profit | $m | 39 | 34 | 47 | 53 | 62 | 72 | 64 |
| EPS reported | $ | 1.29 | 1.14 | |||||
| Operating cashflow per share | $ | 1.47 | 0.67 | |||||
| Capex per share | $ | 0.18 | 0.10 | |||||
| FCF per share | $ | 1.29 | 0.57 | |||||
| Free cash flow | $m | 72 | 72 | |||||
| Net debt | $m | -177 | -62 | |||||
| Book value equity | $m | 480 | 513 | |||||
| Book value per share | $ | 8.54 | 9.10 | |||||
| Number of shares | m | 56.15 | 56.43 | |||||
| DPS (TTM paid) | $ | 0.83 | 0.67 |
Financial summary
Financials in USD| 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM | ||
|---|---|---|---|---|---|---|---|---|
| Value | ||||||||
| P/E TTM | x | 20.99 | 34.59 | |||||
| P/B LTM | x | 3.15 | 4.97 | |||||
| P/S LTM | x | 2.79 | 4.52 | |||||
| P/FCF LTM | x | 20.93 | 35.43 | |||||
| EV/EBITDA LTM | x | 13.32 | 26.21 | |||||
| EV/Sales LTM | x | 2.60 | 4.41 | |||||
| Earnings Yield LTM | % | 4.76% | 2.89% | |||||
| FCF Yield | % | 4.78% | 2.82% | |||||
| Quality | ||||||||
| ROE | % | 15.05% | 9.47% | |||||
| ROIC | % | 12.16% | 7.37% | |||||
| Operating margin | % | 15.83% | 12.97% | |||||
| Gross margin | % | 43.90% | 44.15% | |||||
| FCF/Sales | % | 13.31% | 7.51% | |||||
| Growth and momentum | ||||||||
| EPS Growth YoY | % | +15.18% | -10.24% | |||||
| Sales Growth YoY | % | +5.40% | +4.71% | |||||
| Net Income Growth YoY | % | +15.59% | -9.75% | |||||
| FCF Growth | % | +2.93% | +4.26% | |||||
| Operating Profit Growth | % | +8.85% | -8.06% | |||||
| Dividend and capital structure | ||||||||
| Dividend Yield | % | 2.11% | 1.46% | |||||
| Dividend Growth | % | +54.44% | - | |||||
| Payout Ratio | % | 44.09% | 3.18% | |||||
| FCF/Debt | x | 1.13 | 1.66 | |||||
| Net Debt/EBITDA | x | -0.94 | -0.56 | |||||
| EBIT/Net interest | x | 217.34 | 0.00 | |||||
| Net debt/market cap | % | -11.69% | -2.44% | |||||
| Net debt/Equity | x | -0.37 | -0.12 | |||||
| Gross debt/equity | x | 0.13 | 0.08 | |||||
Company overview
Sapiens International Corporation N.V. delivers sophisticated software solutions tailored for the insurance and financial services industries. The company's operational footprint extends across North America, the European Union, the United Kingdom, Israel, and other international regions. Their product portfolio is extensive, including: Property & Casualty (P&C): Sapiens CoreSuite and Sapiens IDITSuite, designed for personal, commercial, and specialty insurance lines. Life, Pension, & Annuities: Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster. Digital Engagement: Sapiens DigitalSuite, serving customers, agents, brokers, risk managers, and other third-party service providers. Reinsurance: Dedicated reinsurance solutions such as Sapiens ReinsuranceMaster and Sapiens ReinsurancePro. Workers' Compensation: Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, Sapiens ClaimsPro, Sapiens PolicyGo, and Sapiens ClaimsGo. Financial & Compliance: Solutions like Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools. Additionally, Sapiens offers Sapiens Decision, an enterprise-level platform that enables organizations to centrally develop, store, and manage various business logics. The company also provides custom solutions leveraging its Sapiens eMerge platform, alongside a suite of program delivery, business consulting, and managed services. Sapiens markets and sells its products through both direct sales and partner networks. Founded in 1982, Sapiens International Corporation N.V. is headquartered in Holon, Israel.
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For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Sapiens International Corporation N.V. (SPNS.TA)
Sapiens International Corporation N.V. delivers sophisticated software solutions tailored for the insurance and financial services industries. The company's operational footprint extends across North America, the European Union, the United Kingdom, Israel, and other international regions. Their product portfolio is extensive, including: Property & Casualty (P&C): Sapiens CoreSuite and Sapiens IDITSuite, designed for personal, commercial, and specialty insurance lines. Life, Pension, & Annuities: Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster. Digital Engagement: Sapiens DigitalSuite, serving customers, agents, brokers, risk managers, and other third-party service providers. Reinsurance: Dedicated reinsurance solutions such as Sapiens ReinsuranceMaster and Sapiens ReinsurancePro. Workers' Compensation: Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, Sapiens ClaimsPro, Sapiens PolicyGo, and Sapiens ClaimsGo. Financial & Compliance: Solutions like Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools. Additionally, Sapiens offers Sapiens Decision, an enterprise-level platform that enables organizations to centrally develop, store, and manage various business logics. The company also provides custom solutions leveraging its Sapiens eMerge platform, alongside a suite of program delivery, business consulting, and managed services. Sapiens markets and sells its products through both direct sales and partner networks. Founded in 1982, Sapiens International Corporation N.V. is headquartered in Holon, Israel.
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