SPNS Sapiens International Corp NV

Price (delayed)

$27.51

Market cap

$1.54B

P/E Ratio

21.33

Dividend/share

$0.57

EPS

$1.29

Enterprise value

$1.44B

sapiens international corporation (nasdaq and tase: spns) is a leading global provider of software solutions for the insurance industry, with an emerging focus on the broader financial services sector. sapiens ...

Highlights
The P/E is 32% lower than the 5-year quarterly average of 31.2 and 18% lower than the last 4 quarters average of 26.1
The debt has declined by 27% year-on-year

Key stats

What are the main financial stats of SPNS
Market
Shares outstanding
55.89M
Market cap
$1.54B
Enterprise value
$1.44B
Valuations
Price to earnings (P/E)
21.33
Price to book (P/B)
3.2
Price to sales (P/S)
2.83
EV/EBIT
16.77
EV/EBITDA
13.59
EV/Sales
2.65
Earnings
Revenue
$542.38M
Gross profit
$238.11M
Operating income
$85.85M
Net income
$72.18M
EBIT
$85.71M
EBITDA
$105.78M
Free cash flow
$72.42M
Per share
EPS
$1.29
EPS diluted
$1.29
Free cash flow per share
$1.3
Book value per share
$8.59
Revenue per share
$9.72
TBVPS
$6.97
Balance sheet
Total assets
$691.71M
Total liabilities
$212.08M
Debt
$63.75M
Equity
$479.63M
Working capital
$185.56M
Liquidity
Debt to equity
0.13
Current ratio
2.24
Quick ratio
2.24
Net debt/EBITDA
-0.94
Margins
EBITDA margin
19.5%
Gross margin
43.9%
Net margin
13.3%
Operating margin
15.8%
Efficiency
Return on assets
10.6%
Return on equity
15.6%
Return on invested capital
58.4%
Return on capital employed
15.8%
Return on sales
15.8%
Dividend
Dividend yield
2.07%
DPS
$0.57
Payout ratio
44.2%

SPNS stock price

How has the Sapiens International stock price performed over time
Intraday
1.55%
1 week
0.81%
1 month
-0.25%
1 year
-13.63%
YTD
2.38%
QTD
1.55%

Financial performance

How have Sapiens International's revenue and profit performed over time
Revenue
$542.38M
Gross profit
$238.11M
Operating income
$85.85M
Net income
$72.18M
Gross margin
43.9%
Net margin
13.3%
SPNS's net income is up by 16% year-on-year
The net margin has grown by 10% year-on-year
The operating income rose by 9% year-on-year
SPNS's gross profit is up by 8% YoY

Growth

What is Sapiens International's growth rate over time

Valuation

What is Sapiens International stock price valuation
P/E
21.33
P/B
3.2
P/S
2.83
EV/EBIT
16.77
EV/EBITDA
13.59
EV/Sales
2.65
The P/E is 32% lower than the 5-year quarterly average of 31.2 and 18% lower than the last 4 quarters average of 26.1
SPNS's EPS is up by 14% year-on-year
The P/B is 18% below the 5-year quarterly average of 3.9 and 18% below the last 4 quarters average of 3.9
Sapiens International's equity has increased by 7% YoY
The price to sales (P/S) is 17% less than the last 4 quarters average of 3.4 and 14% less than the 5-year quarterly average of 3.3
The company's revenue rose by 5% YoY

Efficiency

How efficient is Sapiens International business performance
SPNS's ROIC is up by 40% YoY and by 5% QoQ
SPNS's ROA is up by 13% YoY
The ROE rose by 6% YoY
SPNS's ROS is up by 3.9% year-on-year but it is down by 2.5% since the previous quarter

Dividends

What is SPNS's dividend history
DPS
$0.57
Dividend yield
2.07%
Payout ratio
44.2%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Sapiens International financials performed over time
The total liabilities is down by 12% YoY
Sapiens International's current ratio has increased by 6% YoY and by 2.8% from the previous quarter
The debt is 87% smaller than the equity
The company's debt to equity fell by 32% YoY
The debt has declined by 27% year-on-year

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.