Stock SPNS SAPIENS INTERNATIONAL CORPORATION N.V.
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Financials Sapiens International Corporation N.V.

Equities

SPNS

KYG7T16G1039

Software

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
31.3 USD +0.58% Intraday chart for Sapiens International Corporation N.V. +4.19% +8.15%
Apr. 25 Sapiens International Corporation N.V. Unveils Enhanced Reinsurance and Analytics Solution Catering to Evolving Market Demands CI
Apr. 18 Sapiens International Corporation Launches IntegrateAI, Second Release in its DecisionAI Portfolio CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,151 1,673 1,888 1,019 1,613 1,745 - -
Enterprise Value (EV) 1 1,151 1,609 1,797 937.8 1,546 1,625 1,550 1,478
P/E ratio 44.2 x 47.1 x 40.5 x 19.5 x 25.8 x 23.3 x 21.1 x -
Yield - 0.46% 1.07% 2.6% - 1.34% 1.43% 0.99%
Capitalization / Revenue 3.53 x 4.37 x 4.1 x 2.15 x 3.13 x 3.16 x 2.94 x 2.72 x
EV / Revenue 3.53 x 4.2 x 3.9 x 1.98 x 3 x 2.94 x 2.61 x 2.3 x
EV / EBITDA 20.7 x 22.2 x 20.7 x 10.7 x 15.8 x 15.2 x 13.2 x 11.6 x
EV / FCF 21.1 x 28.9 x 23.4 x 22.9 x 20.1 x 17.3 x 14.7 x -
FCF Yield 4.75% 3.46% 4.27% 4.37% 4.97% 5.77% 6.81% -
Price to Book - 4.38 x 4.68 x 2.55 x 3.58 x 3.69 x 3.36 x -
Nbr of stocks (in thousands) 50,052 54,647 54,811 55,140 55,733 55,743 - -
Reference price 2 23.00 30.61 34.45 18.48 28.94 31.30 31.30 31.30
Announcement Date 2/24/20 2/25/21 2/23/22 2/21/23 2/20/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 325.7 382.9 461 474.7 514.6 552.9 593.9 642.2
EBITDA 1 55.68 72.62 86.76 87.72 98.01 106.8 117.2 127.5
EBIT 1 52.21 67.92 81.4 83.48 94.14 101.4 111.3 122.7
Operating Margin 16.03% 17.74% 17.66% 17.58% 18.29% 18.34% 18.75% 19.1%
Earnings before Tax (EBT) 1 49.44 41.2 57.29 65.55 77.12 84.5 93.3 -
Net income 1 26.25 33.78 47.17 52.6 62.44 75.77 84.05 -
Net margin 8.06% 8.82% 10.23% 11.08% 12.13% 13.7% 14.15% -
EPS 2 0.5200 0.6500 0.8500 0.9500 1.120 1.343 1.482 -
Free Cash Flow 1 54.68 55.62 76.76 41.02 76.85 93.8 105.6 -
FCF margin 16.79% 14.53% 16.65% 8.64% 14.93% 16.97% 17.77% -
FCF Conversion (EBITDA) 98.22% 76.59% 88.47% 46.77% 78.41% 87.8% 90.03% -
FCF Conversion (Net income) 208.34% 164.68% 162.72% 78% 123.07% 123.8% 125.58% -
Dividend per Share 2 - 0.1400 0.3700 0.4800 - 0.4199 0.4479 0.3100
Announcement Date 2/24/20 2/25/21 2/23/22 2/21/23 2/20/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 117.8 119.2 117.7 118.6 119 119.5 124.7 128.3 130.7 130.9 133.7 137.5 140.8 141.1 143.8
EBITDA 1 22.14 23.58 21.91 21.68 22.04 22.09 23.57 24.39 24.78 25.27 25.53 26.45 27.28 27.8 27.65
EBIT 1 21.02 21.59 20.77 20.75 20.9 21.06 22.51 23.42 24.06 24.15 24.31 25.03 25.89 26.14 26.1
Operating Margin 17.84% 18.11% 17.65% 17.5% 17.57% 17.63% 18.05% 18.25% 18.41% 18.46% 18.18% 18.21% 18.39% 18.52% 18.15%
Earnings before Tax (EBT) 1 16.29 16.04 16.9 14.44 16.63 17.58 17.7 19.06 19.71 20.65 19.6 20.8 21.9 22.2 21.7
Net income 1 13.27 13.66 13.93 11.91 13.39 13.37 14.2 15.4 15.87 16.97 16 17 17.8 18.1 17.7
Net margin 11.26% 11.46% 11.83% 10.04% 11.26% 11.19% 11.38% 12.01% 12.14% 12.97% 11.96% 12.37% 12.64% 12.82% 12.31%
EPS 2 0.2400 0.2500 0.2500 0.2100 0.2400 0.2400 0.2600 0.2800 0.2800 0.3000 0.3172 0.3347 0.3425 0.3487 -
Dividend per Share 2 - - - - - - - 0.2600 - - - 0.2700 0.2800 - -
Announcement Date 11/3/21 2/23/22 5/3/22 8/3/22 11/3/22 2/21/23 5/3/23 8/2/23 11/8/23 2/20/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - - - - - - - -
Net Cash position 1 - 64.1 91.5 81.2 67.4 120 195 267
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow 1 54.7 55.6 76.8 41 76.9 93.8 106 -
ROE (net income / shareholders' equity) - 17.2% 16.5% 16.6% 17.6% 17.9% 18.4% -
ROA (Net income/ Total Assets) - 8.91% 9.17% 9.71% 11% 11.8% 12.5% -
Assets 1 - 379.2 514.3 541.6 565.1 642 673.1 -
Book Value Per Share 2 - 6.980 7.360 7.250 8.080 8.470 9.300 -
Cash Flow per Share - - - - - - - -
Capex 1 11.5 2.63 3.79 2.76 2.57 6 6 -
Capex / Sales 3.52% 0.69% 0.82% 0.58% 0.5% 1.09% 1.01% -
Announcement Date 2/24/20 2/25/21 2/23/22 2/21/23 2/20/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Sapiens International Corporation N.V.

Trading Rating
Investor Rating
ESG Refinitiv
C
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
6
Last Close Price
31.3 USD
Average target price
33.6 USD
Spread / Average Target
+7.35%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Enterprise Software

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