Stock Scorecard
Stock Summary for Sapiens International Corp NV (SPNS) - $43.03 as of 10/8/2025 4:43:26 PM EST
Total Score
15 out of 30
Safety Score
47 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for SPNS
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SPNS
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SPNS
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SPNS
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SPNS (47 out of 100)
| Stock Price Rating (Max of 10) | 8 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 3 |
| Trading Volume (Max of 10) | 6 |
| Price to Earnings (Max of 10) | 5 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SPNS
Financial Details for SPNS
Company Overview |
|
|---|---|
| Ticker | SPNS |
| Company Name | Sapiens International Corp NV |
| Country | USA |
| Description | Sapiens International Corporation NV is a leading provider of software solutions tailored for the insurance and financial services sectors, with a global footprint spanning North America, Europe, Asia Pacific, and South Africa. Headquartered in Holon, Israel, the company offers a comprehensive suite of solutions designed to enhance operational efficiency and improve customer experience for its clients. With a commitment to innovation, Sapiens leverages advanced technologies to meet the evolving needs of the industry, positioning itself as a strategic partner for insurers and financial institutions looking to navigate a rapidly changing landscape. |
| Sector Name | TECHNOLOGY |
| Industry Name | SOFTWARE - APPLICATION |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 11/11/2025 |
Stock Price History |
|
| Last Day Price | 43.03 |
| Price 4 Years Ago | 31.37 |
| Last Day Price Updated | 10/8/2025 4:43:26 PM EST |
| Last Day Volume | 649,570 |
| Average Daily Volume | 674,613 |
| 52-Week High | 43.18 |
| 52-Week Low | 23.69 |
| Last Price to 52 Week Low | 81.64% |
Valuation Measures |
|
| Trailing PE | 35.28 |
| Industry PE | 88.19 |
| Sector PE | 78.58 |
| 5-Year Average PE | 27.97 |
| Free Cash Flow Ratio | 37.42 |
| Industry Free Cash Flow Ratio | 55.32 |
| Sector Free Cash Flow Ratio | 41.49 |
| Current Ratio Most Recent Quarter | 1.37 |
| Total Cash Per Share | 1.15 |
| Book Value Per Share Most Recent Quarter | 8.91 |
| Price to Book Ratio | 4.83 |
| Industry Price to Book Ratio | 8.96 |
| Sector Price to Book Ratio | 7.97 |
| Price to Sales Ratio Twelve Trailing Months | 4.38 |
| Industry Price to Sales Ratio Twelve Trailing Months | 9.18 |
| Sector Price to Sales Ratio Twelve Trailing Months | 6.45 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 55,901,000 |
| Market Capitalization | 2,405,420,030 |
| Institutional Ownership | 36.94% |
Dividends |
|
| Ex-Dividend Date | 4/7/2025 |
| Previous Dividend Amount | 0.3600 |
| Current Dividend Amount | 0.3000 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 0.66 |
| Trailing Annual Dividend Yield | 1.53% |
| Forward Annual Dividend Rate | 0.60 |
| Forward Annual Dividend Yield | 1.39% |
| 5-Year Dividend Payments Count | 9 |
| 3-Year Average Dividend Yield | 2.18% |
| 5-Year Average Dividend Yield | 0.00% |
| 1-Year Dividend Growth Rate Percentage | 5.26% |
| 3-Year Dividend Growth Rate Percentage | 2.60% |
| 5-Year Dividend Growth Rate Percentage | 0.00% |
| All-Time Dividend Growth Rate Percentage | -9.76% |
| Dividend Payout Ratio | 54.10% |
Income Statement |
|
| Quarterly Earnings Growth YOY | -24.20% |
| Annual Earnings Growth | 15.59% |
| Reported EPS 12 Trailing Months | 1.22 |
| Reported EPS Past Year | 0.71 |
| Reported EPS Prior Year | 1.47 |
| Net Income Twelve Trailing Months | 68,370,000 |
| Net Income Past Year | 72,179,000 |
| Net Income Prior Year | 62,444,000 |
| Quarterly Revenue Growth YOY | 3.50% |
| 5-Year Revenue Growth | 10.74% |
| Operating Margin Twelve Trailing Months | 11.90% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 64,541,000 |
| Total Cash Past Year | 163,690,000 |
| Total Cash Prior Year | 126,716,000 |
| Net Cash Position Most Recent Quarter | 44,749,000 |
| Net Cash Position Past Year | 143,898,000 |
| Long Term Debt Past Year | 19,792,000 |
| Long Term Debt Prior Year | 39,543,000 |
| Total Debt Most Recent Quarter | 19,792,000 |
| Equity to Debt Ratio Past Year | 0.96 |
| Equity to Debt Ratio Most Recent Quarter | 0.96 |
| Total Stockholder Equity Past Year | 479,629,000 |
| Total Stockholder Equity Prior Year | 447,270,000 |
| Total Stockholder Equity Most Recent Quarter | 498,310,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 71,963,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 1.29 |
| Free Cash Flow Past Year | 79,346,000 |
| Free Cash Flow Prior Year | 70,156,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.93 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 10/7/2025 9:55:26 AM EST |