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SPNS Sapiens International Corp NV
Price (delayed)
$36.81
Market cap
$2.05B
P/E Ratio
29.69
Dividend/share
$0.57
EPS
$1.24
Enterprise value
$1.99B
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 2.1% since the previous quarter
SPNS's EPS is up by 22% year-on-year and by 4.2% since the previous quarter
The P/E is 11% higher than the last 4 quarters average of 26.7 but 9% lower than the 5-year quarterly average of 32.6
Key stats
What are the main financial stats of SPNS
Market
Valuations
Earnings
Shares outstanding
55.8M
Market cap
$2.05B
Enterprise value
$1.99B
Price to earnings (P/E)
29.69
Price to book (P/B)
4.46
Price to sales (P/S)
3.86
EV/EBIT
24.19
EV/EBITDA
19.27
EV/Sales
3.74
Revenue
$532.61M
EBIT
$82.43M
EBITDA
$103.48M
Free cash flow
$60.87M
Per share
Balance sheet
Liquidity
EPS
$1.24
Free cash flow per share
$1.09
Book value per share
$8.25
Revenue per share
$9.55
TBVPS
$6.46
Total assets
$667.54M
Total liabilities
$207.8M
Debt
$63.09M
Equity
$459.74M
Working capital
$166.02M
Debt to equity
0.14
Current ratio
2.16
Quick ratio
2.16
Net debt/EBITDA
-0.58
Margins
Efficiency
Dividend
EBITDA margin
19.4%
Gross margin
43.1%
Net margin
12.9%
Operating margin
15.5%
Return on assets
10.2%
Return on equity
15.5%
Return on invested capital
48.2%
Return on capital employed
15.7%
Return on sales
15.5%
Dividend yield
1.55%
DPS
$0.57
Payout ratio
46%
SPNS stock price
How has the Sapiens International stock price performed over time
Intraday
0.52%
1 week
1.18%
1 month
1.74%
1 year
45.04%
YTD
27.19%
QTD
-1.23%
Financial performance
How have Sapiens International's revenue and profit performed over time
Revenue
$532.61M
Gross profit
$229.57M
Operating income
$82.76M
Net income
$68.82M
Gross margin
43.1%
Net margin
12.9%
SPNS's net income is up by 22% year-on-year and by 4.9% since the previous quarter
The operating income rose by 16% year-on-year and by 2.8% since the previous quarter
The net margin has grown by 12% year-on-year and by 3.2% since the previous quarter
SPNS's gross profit is up by 10% YoY and by 2.4% QoQ
Growth
What is Sapiens International's growth rate over time
Valuation
What is Sapiens International stock price valuation
P/E
29.69
P/B
4.46
P/S
3.86
EV/EBIT
24.19
EV/EBITDA
19.27
EV/Sales
3.74
SPNS's EPS is up by 22% year-on-year and by 4.2% since the previous quarter
The P/E is 11% higher than the last 4 quarters average of 26.7 but 9% lower than the 5-year quarterly average of 32.6
The P/B is 14% above the last 4 quarters average of 3.9 and 12% above the 5-year quarterly average of 4.0
Sapiens International's equity has increased by 10% YoY and by 3.7% from the previous quarter
The price to sales (P/S) is 17% more than the 5-year quarterly average of 3.3 and 17% more than the last 4 quarters average of 3.3
The company's revenue rose by 8% YoY
Efficiency
How efficient is Sapiens International business performance
SPNS's ROA is up by 19% YoY and by 4.1% from the previous quarter
SPNS's ROIC is up by 16% YoY and by 9% QoQ
The ROE rose by 11% YoY
SPNS's ROS is up by 7% year-on-year
Dividends
What is SPNS's dividend history
DPS
$0.57
Dividend yield
1.55%
Payout ratio
46%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Sapiens International financials performed over time
The quick ratio has grown by 17% since the previous quarter and by 7% year-on-year
Sapiens International's current ratio has increased by 17% from the previous quarter and by 7% YoY
The debt is 86% smaller than the equity
The company's debt to equity fell by 33% YoY and by 7% QoQ
The debt has declined by 29% year-on-year and by 2.1% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.