SPNS Sapiens International Corp NV

Price (delayed)

$37.42

Market cap

$2.09B

P/E Ratio

31.45

Dividend/share

$0.54

EPS

$1.19

Enterprise value

$2.03B

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 debt has declined by 29% year-on-year and by 26% since the previous quarter
SPNS's EPS is up by 24% year-on-year and by 5% since the previous quarter
The P/E is 19% higher than the last 4 quarters average of 26.4 but 6% lower than the 5-year quarterly average of 33.4
The quick ratio has declined by 13% since the previous quarter and by 4.7% year-on-year

Key stats

What are the main financial stats of SPNS
Market
Shares outstanding
55.74M
Market cap
$2.09B
Enterprise value
$2.03B
Valuations
Price to book (P/B)
4.7
Price to sales (P/S)
3.98
EV/EBIT
25.39
EV/EBITDA
19.98
EV/Sales
3.88
Earnings
Revenue
$524.11M
EBIT
$80.1M
EBITDA
$101.79M
Free cash flow
$66.97M
Per share
EPS
$1.19
Free cash flow per share
$1.2
Book value per share
$7.96
Revenue per share
$9.4
TBVPS
$6.68
Balance sheet
Total assets
$683.8M
Total liabilities
$240.3M
Debt
$64.43M
Equity
$443.5M
Working capital
$145.61M
Liquidity
Debt to equity
0.15
Current ratio
1.84
Quick ratio
1.84
Net debt/EBITDA
-0.51
Margins
EBITDA margin
19.4%
Gross margin
42.8%
Net margin
12.5%
Operating margin
15.4%
Efficiency
Return on assets
9.8%
Return on equity
15.2%
Return on invested capital
44.2%
Return on capital employed
15.7%
Return on sales
15.3%
Dividend
Dividend yield
1.44%
DPS
$0.54
Payout ratio
45.4%

SPNS stock price

How has the Sapiens International stock price performed over time
Intraday
2.58%
1 week
6.37%
1 month
10.22%
1 year
44.48%
YTD
29.3%
QTD
10.29%

Financial performance

How have Sapiens International's revenue and profit performed over time
Revenue
$524.11M
Gross profit
$224.13M
Operating income
$80.5M
Net income
$65.61M
Gross margin
42.8%
Net margin
12.5%
SPNS's net income is up by 24% year-on-year and by 5% since the previous quarter
The operating income rose by 17% year-on-year and by 2.1% since the previous quarter
The net margin has grown by 14% year-on-year and by 3.3% since the previous quarter
SPNS's gross profit is up by 10% YoY and by 2.1% QoQ

Growth

What is Sapiens International's growth rate over time

Valuation

What is Sapiens International stock price valuation
P/E
31.45
P/B
4.7
P/S
3.98
EV/EBIT
25.39
EV/EBITDA
19.98
EV/Sales
3.88
SPNS's EPS is up by 24% year-on-year and by 5% since the previous quarter
The P/E is 19% higher than the last 4 quarters average of 26.4 but 6% lower than the 5-year quarterly average of 33.4
The P/B is 27% above the last 4 quarters average of 3.7 and 18% above the 5-year quarterly average of 4.0
Sapiens International's equity has increased by 6% YoY
The price to sales (P/S) is 24% more than the last 4 quarters average of 3.2 and 21% more than the 5-year quarterly average of 3.3
The company's revenue rose by 9% YoY

Efficiency

How efficient is Sapiens International business performance
SPNS's ROA is up by 23% YoY and by 4.3% from the previous quarter
The ROE rose by 13% YoY and by 4.1% QoQ
SPNS's ROS is up by 8% year-on-year
SPNS's ROIC is up by 6% QoQ and by 4.7% YoY

Dividends

What is SPNS's dividend history
DPS
$0.54
Dividend yield
1.44%
Payout ratio
45.4%
Recent dividends

Financial health

How did Sapiens International financials performed over time
SPNS's total assets is 185% greater than its total liabilities
The quick ratio has declined by 13% since the previous quarter and by 4.7% year-on-year
Sapiens International's current ratio has decreased by 13% from the previous quarter and by 4.7% YoY
The debt is 85% smaller than the equity
The company's debt to equity fell by 32% YoY and by 21% QoQ
The debt has declined by 29% year-on-year and by 26% since the previous quarter

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