SAPIENS INTERNATIONAL CORP (SPNS) Fundamental Analysis & Valuation

NASDAQ:SPNS • KYG7T16G1039

Current stock price

43.45 USD
+0.01 (+0.02%)
At close:
43.45 USD
0 (0%)
After Hours:

This SPNS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. SPNS Profitability Analysis

1.1 Basic Checks

  • In the past year SPNS was profitable.
  • SPNS had a positive operating cash flow in the past year.
  • Each year in the past 5 years SPNS has been profitable.
  • Each year in the past 5 years SPNS had a positive operating cash flow.
SPNS Yearly Net Income VS EBIT VS OCF VS FCFSPNS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of SPNS (8.65%) is better than 81.65% of its industry peers.
  • SPNS has a better Return On Equity (12.53%) than 75.90% of its industry peers.
  • SPNS has a better Return On Invested Capital (10.86%) than 86.33% of its industry peers.
  • SPNS had an Average Return On Invested Capital over the past 3 years of 11.69%. This is in line with the industry average of 10.99%.
Industry RankSector Rank
ROA 8.65%
ROE 12.53%
ROIC 10.86%
ROA(3y)9.12%
ROA(5y)7.74%
ROE(3y)14.05%
ROE(5y)12.52%
ROIC(3y)11.69%
ROIC(5y)9.95%
SPNS Yearly ROA, ROE, ROICSPNS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • SPNS has a better Profit Margin (11.40%) than 71.94% of its industry peers.
  • SPNS's Profit Margin has improved in the last couple of years.
  • With a decent Operating Margin value of 13.72%, SPNS is doing good in the industry, outperforming 79.86% of the companies in the same industry.
  • SPNS's Operating Margin has improved in the last couple of years.
  • SPNS's Gross Margin of 44.30% is on the low side compared to the rest of the industry. SPNS is outperformed by 73.02% of its industry peers.
  • SPNS's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 13.72%
PM (TTM) 11.4%
GM 44.3%
OM growth 3Y8.52%
OM growth 5Y6.49%
PM growth 3Y9.13%
PM growth 5Y10.59%
GM growth 3Y2.52%
GM growth 5Y2%
SPNS Yearly Profit, Operating, Gross MarginsSPNS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30 40

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5

2. SPNS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so SPNS is still creating some value.
  • Compared to 1 year ago, SPNS has more shares outstanding
  • The number of shares outstanding for SPNS has been increased compared to 5 years ago.
  • SPNS has a better debt/assets ratio than last year.
SPNS Yearly Shares OutstandingSPNS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
SPNS Yearly Total Debt VS Total AssetsSPNS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M

2.2 Solvency

  • SPNS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.28
Altman-Z N/A
ROIC/WACC1.22
WACC8.94%
SPNS Yearly LT Debt VS Equity VS FCFSPNS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M

2.3 Liquidity

  • SPNS has a Current Ratio of 1.52. This is a normal value and indicates that SPNS is financially healthy and should not expect problems in meeting its short term obligations.
  • With a Current ratio value of 1.52, SPNS perfoms like the industry average, outperforming 44.96% of the companies in the same industry.
  • SPNS has a Quick Ratio of 1.52. This is a normal value and indicates that SPNS is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of SPNS (1.52) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.52
Quick Ratio 1.52
SPNS Yearly Current Assets VS Current LiabilitesSPNS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. SPNS Growth Analysis

3.1 Past

  • SPNS shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -1.37%.
  • Measured over the past years, SPNS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.51% on average per year.
  • The Revenue has been growing slightly by 4.71% in the past year.
  • Measured over the past years, SPNS shows a quite strong growth in Revenue. The Revenue has been growing by 10.74% on average per year.
EPS 1Y (TTM)-1.37%
EPS 3Y7.3%
EPS 5Y13.51%
EPS Q2Q%-2.7%
Revenue 1Y (TTM)4.71%
Revenue growth 3Y5.57%
Revenue growth 5Y10.74%
Sales Q2Q%11.16%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.07% on average over the next years.
  • SPNS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.22% yearly.
EPS Next Y-0.08%
EPS Next 2Y4.04%
EPS Next 3Y6.07%
EPS Next 5YN/A
Revenue Next Year6.01%
Revenue Next 2Y6.83%
Revenue Next 3Y7.22%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
SPNS Yearly Revenue VS EstimatesSPNS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 200M 400M 600M
SPNS Yearly EPS VS EstimatesSPNS Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5

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4

4. SPNS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 30.17 indicates a quite expensive valuation of SPNS.
  • SPNS's Price/Earnings ratio is a bit cheaper when compared to the industry. SPNS is cheaper than 64.03% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.78. SPNS is around the same levels.
  • A Price/Forward Earnings ratio of 27.31 indicates a quite expensive valuation of SPNS.
  • Based on the Price/Forward Earnings ratio, SPNS is valued a bit cheaper than the industry average as 63.67% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, SPNS is valued at the same level.
Industry RankSector Rank
PE 30.17
Fwd PE 27.31
SPNS Price Earnings VS Forward Price EarningsSPNS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SPNS is valued a bit cheaper than the industry average as 74.82% of the companies are valued more expensively.
  • 67.63% of the companies in the same industry are more expensive than SPNS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 34.53
EV/EBITDA 23.68
SPNS Per share dataSPNS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • SPNS has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.23
EPS Next 2Y4.04%
EPS Next 3Y6.07%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. SPNS Dividend Analysis

5.1 Amount

  • SPNS has a Yearly Dividend Yield of 1.36%.
  • SPNS's Dividend Yield is rather good when compared to the industry average which is at 0.67. SPNS pays more dividend than 94.24% of the companies in the same industry.
  • Compared to the average S&P500 Dividend Yield of 1.89, SPNS is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.36%

5.2 History

  • The dividend of SPNS is nicely growing with an annual growth rate of 21.00%!
  • SPNS has paid a dividend for at least 10 years, which is a reliable track record.
  • SPNS has decreased its dividend in the last 3 years.
Dividend Growth(5Y)21%
Div Incr Years2
Div Non Decr Years2
SPNS Yearly Dividends per shareSPNS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

  • 60.73% of the earnings are spent on dividend by SPNS. This is not a sustainable payout ratio.
  • SPNS's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP60.73%
EPS Next 2Y4.04%
EPS Next 3Y6.07%
SPNS Yearly Income VS Free CF VS DividendSPNS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M
SPNS Dividend Payout.SPNS Dividend Payout, showing the Payout Ratio.SPNS Dividend Payout.PayoutRetained Earnings

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SPNS Fundamentals: All Metrics, Ratios and Statistics

SAPIENS INTERNATIONAL CORP

NASDAQ:SPNS (12/16/2025, 8:00:03 PM)

After market: 43.45 0 (0%)

43.45

+0.01 (+0.02%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-13
Earnings (Next)02-16
Inst Owners44.65%
Inst Owner Change0%
Ins Owners1.55%
Ins Owner ChangeN/A
Market Cap2.43B
Revenue(TTM)564.33M
Net Income(TTM)64.33M
Analysts46.67
Price Target44.37 (2.12%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.36%
Yearly Dividend0.57
Dividend Growth(5Y)21%
DP60.73%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.06%
Min EPS beat(2)1.71%
Max EPS beat(2)4.41%
EPS beat(4)4
Avg EPS beat(4)2.21%
Min EPS beat(4)0.43%
Max EPS beat(4)4.41%
EPS beat(8)7
Avg EPS beat(8)1.55%
EPS beat(12)9
Avg EPS beat(12)0.99%
EPS beat(16)11
Avg EPS beat(16)1.29%
Revenue beat(2)1
Avg Revenue beat(2)-0.04%
Min Revenue beat(2)-0.82%
Max Revenue beat(2)0.75%
Revenue beat(4)1
Avg Revenue beat(4)-1.3%
Min Revenue beat(4)-3.15%
Max Revenue beat(4)0.75%
Revenue beat(8)1
Avg Revenue beat(8)-1.9%
Revenue beat(12)2
Avg Revenue beat(12)-1.62%
Revenue beat(16)2
Avg Revenue beat(16)-2.03%
PT rev (1m)16.78%
PT rev (3m)16.78%
EPS NQ rev (1m)-4%
EPS NQ rev (3m)-1.1%
EPS NY rev (1m)1.41%
EPS NY rev (3m)1.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.69%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-0.04%
Valuation
Industry RankSector Rank
PE 30.17
Fwd PE 27.31
P/S 4.3
P/FCF 34.53
P/OCF 30.36
P/B 4.73
P/tB 29.41
EV/EBITDA 23.68
EPS(TTM)1.44
EY3.31%
EPS(NY)1.59
Fwd EY3.66%
FCF(TTM)1.26
FCFY2.9%
OCF(TTM)1.43
OCFY3.29%
SpS10.1
BVpS9.19
TBVpS1.48
PEG (NY)N/A
PEG (5Y)2.23
Graham Number17.25
Profitability
Industry RankSector Rank
ROA 8.65%
ROE 12.53%
ROCE 13.41%
ROIC 10.86%
ROICexc 12.66%
ROICexgc 97.17%
OM 13.72%
PM (TTM) 11.4%
GM 44.3%
FCFM 12.46%
ROA(3y)9.12%
ROA(5y)7.74%
ROE(3y)14.05%
ROE(5y)12.52%
ROIC(3y)11.69%
ROIC(5y)9.95%
ROICexc(3y)18.71%
ROICexc(5y)15.75%
ROICexgc(3y)280.93%
ROICexgc(5y)294.09%
ROCE(3y)14.42%
ROCE(5y)12.28%
ROICexgc growth 3Y-14.08%
ROICexgc growth 5Y38.54%
ROICexc growth 3Y17.66%
ROICexc growth 5Y14.5%
OM growth 3Y8.52%
OM growth 5Y6.49%
PM growth 3Y9.13%
PM growth 5Y10.59%
GM growth 3Y2.52%
GM growth 5Y2%
F-Score5
Asset Turnover0.76
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.28
Debt/EBITDA 0
Cap/Depr 42.92%
Cap/Sales 1.71%
Interest Coverage 250
Cash Conversion 80.05%
Profit Quality 109.33%
Current Ratio 1.52
Quick Ratio 1.52
Altman-Z N/A
F-Score5
WACC8.94%
ROIC/WACC1.22
Cap/Depr(3y)44.6%
Cap/Depr(5y)44.64%
Cap/Sales(3y)1.85%
Cap/Sales(5y)2.21%
Profit Quality(3y)92.81%
Profit Quality(5y)112.61%
High Growth Momentum
Growth
EPS 1Y (TTM)-1.37%
EPS 3Y7.3%
EPS 5Y13.51%
EPS Q2Q%-2.7%
EPS Next Y-0.08%
EPS Next 2Y4.04%
EPS Next 3Y6.07%
EPS Next 5YN/A
Revenue 1Y (TTM)4.71%
Revenue growth 3Y5.57%
Revenue growth 5Y10.74%
Sales Q2Q%11.16%
Revenue Next Year6.01%
Revenue Next 2Y6.83%
Revenue Next 3Y7.22%
Revenue Next 5YN/A
EBIT growth 1Y-8.06%
EBIT growth 3Y14.56%
EBIT growth 5Y17.93%
EBIT Next Year4.61%
EBIT Next 3Y7.35%
EBIT Next 5YN/A
FCF growth 1Y52.74%
FCF growth 3Y1.68%
FCF growth 5Y8.06%
OCF growth 1Y44.86%
OCF growth 3Y0.69%
OCF growth 5Y4.44%

SAPIENS INTERNATIONAL CORP / SPNS Fundamental Analysis FAQ

What is the fundamental rating for SPNS stock?

ChartMill assigns a fundamental rating of 5 / 10 to SPNS.


What is the valuation status of SAPIENS INTERNATIONAL CORP (SPNS) stock?

ChartMill assigns a valuation rating of 4 / 10 to SAPIENS INTERNATIONAL CORP (SPNS). This can be considered as Fairly Valued.


Can you provide the profitability details for SAPIENS INTERNATIONAL CORP?

SAPIENS INTERNATIONAL CORP (SPNS) has a profitability rating of 7 / 10.


How financially healthy is SAPIENS INTERNATIONAL CORP?

The financial health rating of SAPIENS INTERNATIONAL CORP (SPNS) is 5 / 10.


What is the earnings growth outlook for SAPIENS INTERNATIONAL CORP?

The Earnings per Share (EPS) of SAPIENS INTERNATIONAL CORP (SPNS) is expected to decline by -0.08% in the next year.