SPNS Sapiens International Corp NV
Price (delayed)
$27.65
Market cap
$1.55B
P/E Ratio
21.43
Dividend/share
$0.95
EPS
$1.29
Enterprise value
$1.45B
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 19% 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
Valuations
Earnings
Shares outstanding
55.89M
Market cap
$1.55B
Enterprise value
$1.45B
Price to earnings (P/E)
21.43
Price to book (P/B)
3.22
Price to sales (P/S)
2.85
EV/EBIT
16.86
EV/EBITDA
13.66
EV/Sales
2.66
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
Balance sheet
Liquidity
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
Total assets
$691.71M
Total liabilities
$212.08M
Debt
$63.75M
Equity
$479.63M
Working capital
$185.56M
Debt to equity
0.13
Current ratio
2.24
Quick ratio
2.24
Net debt/EBITDA
-0.94
Margins
Efficiency
Dividend
EBITDA margin
19.5%
Gross margin
43.9%
Net margin
13.3%
Operating margin
15.8%
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 yield
3.44%
DPS
$0.95
Payout ratio
73.6%
SPNS stock price
How has the Sapiens International stock price performed over time
Intraday
1.17%
1 week
4.89%
1 month
1.39%
1 year
-12.22%
YTD
2.9%
QTD
2.07%
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
21.43
P/B
3.22
P/S
2.85
EV/EBIT
16.86
EV/EBITDA
13.66
EV/Sales
2.66
The P/E is 32% lower than the 5-year quarterly average of 31.2 and 19% 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 15% 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
$0.95
Dividend yield
3.44%
Payout ratio
73.6%
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.