Sapiens International Corporation N.V.
SPNS | NASDAQ
$43.45
$0 (0.00%)
Dec 17, 2025, 4:00 PM ET · Market open
Market Data
Market Cap $2.43B
Enterprise Value $2.4B
Beta 0.90
Average Volume 505.98K
Shares Outstanding (Diluted) 56.07M
Shares Change YoY -0.17%
Institutional Ownership 43.55%
Exchange NASDAQ
ISIN KYG7T16G1039
Price Performance
Price Change 1M 0.2%
Price Change 3M 1.1%
Price Change 6M 44.8%
Price Change YTD 66.5%
Price Change 1Y 65.9%
Price Change 3Y N/A
Price Change 5Y 40.4%
1M CAGR (ann.) 0.8%
1Y CAGR (ann.) 56.6%
5Y CAGR (ann.) 11.7%
All-Time CAGR -1.5%
Valuation
PE Ratio 35.61
Forward PE 25.15
PEG Ratio -5.61
Forward PEG 5.17
PS Ratio 4.42
Forward PS 3.60
PB Ratio 4.87
P/FCF Ratio 33.75
P/Adj. FCF Ratio 34.89
P/OCF Ratio 64.85
EV/Sales 4.37
EV/EBIT 29.47
EV/EBITDA 23.50
EV/FCF 33.35
Earnings Yield 2.8%
FCF Yield 3.0%
Adj. FCF Yield 2.9%
Financial Health
Net Cash $54.74M
Total Debt $45.38M
Cash & Short-Term Investments $74.54M
Total Assets $739.64M
Current Ratio 1.52
Quick Ratio 1.52
Debt / Equity Ratio 0.08
Debt / EBITDA 0.44
Debt / FCF 0.63
OCF / Debt 1.82
Interest Coverage 0.00
Altman Z-Score 7.65
Piotroski F-Score 4
Margins & Profitability
Gross Profit Margin 44.1%
Operating Profit Margin 14.8%
EBITDA Margin 16.6%
Net Profit Margin 10.8%
FCF Margin 13.1%
Adj. FCF Margin 12.7%
SBC / Revenue 0.6%
SBC Impact (per share) -3.3%
Returns
Return on Assets 6.3%
Return on Equity 9.5%
Return on Invested Capital 7.4%
Return on Capital Employed 9.7%
Return on Tangible Assets 14.9%
Historical Growth (CAGR)
Revenue CAGR 3Y 5.1%
Revenue CAGR 5Y 9.2%
Revenue CAGR 10Y 12.7%
EPS CAGR 3Y 8.7%
EPS CAGR 5Y 15.6%
EPS CAGR 10Y 12.7%
FCF CAGR 3Y 8.8%
FCF CAGR 5Y 10.1%
FCF CAGR 10Y 11.4%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 10
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date May 5, 2026
EPS Estimate (next Q) $0.39
EPS Growth Est (next Q) 5.4%
Revenue Est (next Q) $151.1M
Revenue Growth Est (next Q) 11.0%
Fair Value Estimates
Graham Number $16.01
Graham Upside -63.1%
Lynch Fair Value $19.08
Lynch Upside -56.1%
Price Target $38
Price Target Upside -12.5%
Cash Flow
Operating Cash Flow $82.42M
Free Cash Flow $71.96M
Adj. Free Cash Flow $69.63M
FCF Per Share $0.57
OCF Per Share $0.67
OCF/S Ratio 8.8%
Income Statement
Revenue $549.04M
Gross Profit $242.99M
Operating Income $81.44M
EBITDA $102.13M
Net Income $68.37M
EPS (Diluted) $1.22
Revenue / Employee $113.2K
Profit / Employee $14.1K
Employees 4,850
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