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Price (delayed)
$27.76
Market cap
$1.55B
P/E Ratio
21.69
Dividend/share
$0.57
EPS
$1.28
Enterprise value
$1.47B
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 33% lower than the 5-year quarterly average of 32.4 and 21% lower than the last 4 quarters average of 27.3
The debt has declined by 28% year-on-year
Key stats
What are the main financial stats of SPNS
Market
Valuations
Earnings
Shares outstanding
55.85M
Market cap
$1.55B
Enterprise value
$1.47B
Price to earnings (P/E)
21.69
Price to book (P/B)
3.29
Price to sales (P/S)
2.88
EV/EBIT
17.27
EV/EBITDA
15.59
EV/Sales
2.72
Revenue
$538.93M
Gross profit
$233.91M
Net income
$71.29M
EBIT
$84.96M
EBITDA
$94.09M
Free cash flow
$69.34M
Per share
Balance sheet
Liquidity
EPS
$1.28
EPS diluted
$1.27
Free cash flow per share
$1.24
Book value per share
$8.45
Revenue per share
$9.65
TBVPS
$6.67
Total assets
$683.3M
Total liabilities
$211.99M
Debt
$62.97M
Equity
$471.31M
Working capital
$174.09M
Debt to equity
0.13
Current ratio
2.18
Quick ratio
2.18
Net debt/EBITDA
-0.88
Margins
Efficiency
Dividend
EBITDA margin
17.5%
Gross margin
43.4%
Net margin
13.2%
Operating margin
15.6%
Return on assets
10.5%
Return on equity
15.6%
Return on invested capital
53.9%
Return on capital employed
15.9%
Return on sales
15.8%
Dividend yield
2.05%
DPS
$0.57
Payout ratio
44.5%
SPNS stock price
How has the Sapiens International stock price performed over time
Intraday
0.69%
1 week
-2.53%
1 month
2.36%
1 year
-2.01%
YTD
-4.08%
QTD
-25.52%
Financial performance
How have Sapiens International's revenue and profit performed over time
Revenue
$538.93M
Gross profit
$233.91M
Operating income
$84.24M
Net income
$71.29M
Gross margin
43.4%
Net margin
13.2%
SPNS's net income is up by 21% year-on-year and by 3.6% since the previous quarter
The net margin has grown by 13% year-on-year and by 2.3% since the previous quarter
The operating income rose by 12% year-on-year
SPNS's gross profit is up by 9% YoY
Growth
What is Sapiens International's growth rate over time
Valuation
What is Sapiens International stock price valuation
P/E
21.69
P/B
3.29
P/S
2.88
EV/EBIT
17.27
EV/EBITDA
15.59
EV/Sales
2.72
The P/E is 33% lower than the 5-year quarterly average of 32.4 and 21% lower than the last 4 quarters average of 27.3
SPNS's EPS is up by 21% year-on-year and by 3.2% since the previous quarter
The P/B is 18% below the 5-year quarterly average of 4.0 and 18% below the last 4 quarters average of 4.0
Sapiens International's equity has increased by 12% YoY and by 2.5% from the previous quarter
The price to sales (P/S) is 18% less than the last 4 quarters average of 3.5 and 13% less than the 5-year quarterly average of 3.3
The company's revenue rose by 7% YoY
Efficiency
How efficient is Sapiens International business performance
SPNS's ROIC is up by 31% YoY and by 13% QoQ
SPNS's ROA is up by 18% YoY and by 2.9% from the previous quarter
The ROE rose by 10% YoY
SPNS's ROS is up by 7% year-on-year and by 2.6% since the previous quarter
Dividends
What is SPNS's dividend history
DPS
$0.57
Dividend yield
2.05%
Payout ratio
44.5%
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 8% YoY but it is up by 2% from the previous quarter
The quick ratio has grown by 4.8% year-on-year
The debt is 87% smaller than the equity
The company's debt to equity fell by 38% YoY and by 7% QoQ
The debt has declined by 28% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.