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.
  • In the past year SPNS had a positive cash flow from operations.
  • In the past 5 years SPNS has always been profitable.
  • In the past 5 years SPNS always reported a positive cash flow from operatings.
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

  • SPNS's Return On Assets of 8.65% is amongst the best of the industry. SPNS outperforms 81.65% of its industry peers.
  • SPNS has a better Return On Equity (12.53%) than 75.90% of its industry peers.
  • With an excellent Return On Invested Capital value of 10.86%, SPNS belongs to the best of the industry, outperforming 86.33% of the companies in the same industry.
  • 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 10.87%.
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

  • With a decent Profit Margin value of 11.40%, SPNS is doing good in the industry, outperforming 71.94% of the companies in the same industry.
  • In the last couple of years the Profit Margin of SPNS has grown nicely.
  • SPNS has a Operating Margin of 13.72%. This is in the better half of the industry: SPNS outperforms 79.86% of its industry peers.
  • SPNS's Operating Margin has improved in the last couple of years.
  • With a Gross Margin value of 44.30%, SPNS is not doing good in the industry: 73.02% of the companies in the same industry are doing better.
  • 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

  • SPNS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is 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.
  • The debt/assets ratio for SPNS has been reduced compared to a year ago.
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

  • A Current Ratio of 1.52 indicates that SPNS should not have too much problems paying its short term obligations.
  • SPNS has a Current ratio (1.52) which is comparable to the rest of the industry.
  • A Quick Ratio of 1.52 indicates that SPNS should not have too much problems paying its short term obligations.
  • With a Quick ratio value of 1.52, SPNS perfoms like the industry average, outperforming 46.04% of the companies in the same 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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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%.
  • SPNS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.51% yearly.
  • Looking at the last year, SPNS shows a small growth in Revenue. The Revenue has grown by 4.71% in the last year.
  • The Revenue has been growing by 10.74% on average over the past years. This is quite good.
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

  • Based on estimates for the next years, SPNS will show a small growth in Earnings Per Share. The EPS will grow by 6.07% on average per year.
  • 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

  • With a Price/Earnings ratio of 30.17, SPNS can be considered very expensive at the moment.
  • 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.
  • Compared to an average S&P500 Price/Earnings ratio of 26.11, SPNS is valued at the same level.
  • With a Price/Forward Earnings ratio of 27.31, SPNS can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, SPNS is valued a bit cheaper than 63.67% of the companies in the same industry.
  • SPNS's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 24.12.
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 40

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SPNS is valued a bit cheaper than 74.82% of the companies in the same industry.
  • 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

  • With a Yearly Dividend Yield of 1.36%, SPNS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 0.59, SPNS pays a better dividend. On top of this SPNS pays more dividend than 94.24% of the companies listed in the same industry.
  • SPNS's Dividend Yield is slightly below the S&P500 average, which is at 1.91.
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 been paying a dividend for at least 10 years, so it has 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 Change-69.9%
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.


How profitable is SAPIENS INTERNATIONAL CORP (SPNS) stock?

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


What is the financial health of SAPIENS INTERNATIONAL CORP (SPNS) stock?

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


Can you provide the dividend sustainability for SPNS stock?

The dividend rating of SAPIENS INTERNATIONAL CORP (SPNS) is 4 / 10 and the dividend payout ratio is 60.73%.