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SPNS Sapiens International Corp NV

Price (delayed)

$28.79

Market cap

$1.61B

P/E Ratio

22.15

Dividend/share

$0.95

EPS

$1.3

Enterprise value

$1.51B

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 33% year-on-year and by 32% since the previous quarter
The P/E is 29% lower than the 5-year quarterly average of 30.7 and 10% lower than the last 4 quarters average of 24.5
Sapiens International's equity has decreased by 4% from the previous quarter but it has increased by 3.9% YoY
The quick ratio has declined by 25% since the previous quarter and by 9% year-on-year

Key stats

What are the main financial stats of SPNS
Market
Shares outstanding
55.89M
Market cap
$1.61B
Enterprise value
$1.51B
Valuations
Price to earnings (P/E)
22.15
Price to book (P/B)
3.49
Price to sales (P/S)
2.96
EV/EBIT
17.64
EV/EBITDA
14.39
EV/Sales
2.77
Earnings
Revenue
$544.24M
Gross profit
$241.21M
Operating income
$86.52M
Net income
$72.76M
EBIT
$85.55M
EBITDA
$104.84M
Free cash flow
$79.16M
Per share
EPS
$1.3
EPS diluted
$1.3
Free cash flow per share
$1.42
Book value per share
$8.24
Revenue per share
$9.74
TBVPS
$6.87
Balance sheet
Total assets
$713.98M
Total liabilities
$253.39M
Debt
$43.2M
Equity
$460.59M
Working capital
$132.45M
Liquidity
Debt to equity
0.09
Current ratio
1.68
Quick ratio
1.68
Net debt/EBITDA
-0.96
Margins
EBITDA margin
19.3%
Gross margin
44.3%
Net margin
13.4%
Operating margin
15.9%
Efficiency
Return on assets
10.6%
Return on equity
15.6%
Return on invested capital
64.7%
Return on capital employed
16.5%
Return on sales
15.7%
Dividend
Dividend yield
3.3%
DPS
$0.95
Payout ratio
73.1%

SPNS stock price

How has the Sapiens International stock price performed over time
Intraday
0.98%
1 week
-3.06%
1 month
0.88%
1 year
-14.6%
YTD
7.15%
QTD
6.28%

Financial performance

How have Sapiens International's revenue and profit performed over time
Revenue
$544.24M
Gross profit
$241.21M
Operating income
$86.52M
Net income
$72.76M
Gross margin
44.3%
Net margin
13.4%
SPNS's net income is up by 11% year-on-year
SPNS's gross profit is up by 8% YoY
The net margin has grown by 7% year-on-year
The operating income rose by 7% year-on-year

Price vs fundamentals

How does SPNS's price correlate with its fundamentals

Growth

What is Sapiens International's growth rate over time

Valuation

What is Sapiens International stock price valuation
P/E
22.15
P/B
3.49
P/S
2.96
EV/EBIT
17.64
EV/EBITDA
14.39
EV/Sales
2.77
The P/E is 29% lower than the 5-year quarterly average of 30.7 and 10% lower than the last 4 quarters average of 24.5
SPNS's EPS is up by 9% year-on-year
The P/B is 11% below the 5-year quarterly average of 3.9 and 6% below the last 4 quarters average of 3.7
Sapiens International's equity has decreased by 4% from the previous quarter but it has increased by 3.9% YoY
The price to sales (P/S) is 11% less than the 5-year quarterly average of 3.3 and 8% less than the last 4 quarters average of 3.2
The company's revenue rose by 3.8% YoY

Efficiency

How efficient is Sapiens International business performance
SPNS's ROIC is up by 41% YoY and by 11% QoQ
SPNS's ROA is up by 8% YoY
The ROE rose by 2.6% YoY

Dividends

What is SPNS's dividend history
DPS
$0.95
Dividend yield
3.3%
Payout ratio
73.1%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Sapiens International financials performed over time
SPNS's total assets is 182% greater than its total liabilities
The quick ratio has declined by 25% since the previous quarter and by 9% year-on-year
Sapiens International's current ratio has decreased by 25% from the previous quarter and by 9% YoY
The debt is 91% smaller than the equity
The company's debt to equity fell by 40% YoY and by 31% QoQ
The debt has declined by 33% year-on-year and by 32% since the previous quarter

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