43.45 USD
+0.01 (+0.02%)
43.45 USD
0 (0%)
SPNS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 277 industry peers in the Software industry. SPNS has an excellent profitability rating, but there are some minor concerns on its financial health. SPNS has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
- SPNS had positive earnings in the past year.
- In the past year SPNS had a positive cash flow from operations.
- Each year in the past 5 years SPNS has been profitable.
- In the past 5 years SPNS always reported a positive cash flow from operatings.
1.2 Ratios
- With an excellent Return On Assets value of 8.65%, SPNS belongs to the best of the industry, outperforming 81.65% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 12.53%, SPNS is in the better half of the industry, outperforming 75.90% of the companies in the same industry.
- The Return On Invested Capital of SPNS (10.86%) is better than 86.33% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for SPNS is in line with the industry average of 10.78%.
| Industry Rank | Sector 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%
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's Operating Margin of 13.72% is fine compared to the rest of the industry. SPNS outperforms 79.86% of its industry peers.
- SPNS's Operating Margin has improved in the last couple of years.
- SPNS has a Gross Margin of 44.30%. This is in the lower half of the industry: SPNS underperforms 73.02% of its industry peers.
- In the last couple of years the Gross Margin of SPNS has grown nicely.
| Industry Rank | Sector 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%
2. Health
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.
- SPNS has more shares outstanding than it did 1 year ago.
- 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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.28 | ||
| Altman-Z | N/A |
ROIC/WACC1.22
WACC8.94%
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.
- SPNS has a Current ratio (1.52) which is in line with its industry peers.
- 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.
- SPNS has a Quick ratio (1.52) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.52 | ||
| Quick Ratio | 1.52 |
3. Growth
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.
- 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
- SPNS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.07% yearly.
- The Revenue is expected to grow by 7.22% on average over the next years.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 30.17, the valuation of SPNS can be described as expensive.
- 64.03% of the companies in the same industry are more expensive than SPNS, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 27.38. SPNS is around the same levels.
- With a Price/Forward Earnings ratio of 27.31, SPNS can be considered very expensive at the moment.
- 63.67% of the companies in the same industry are more expensive than SPNS, based on the Price/Forward Earnings ratio.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. SPNS is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 30.17 | ||
| Fwd PE | 27.31 |
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.
- SPNS's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. SPNS is cheaper than 67.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 34.53 | ||
| EV/EBITDA | 23.68 |
4.3 Compensation for Growth
- The decent profitability rating of SPNS may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.23
EPS Next 2Y4.04%
EPS Next 3Y6.07%
5. Dividend
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 0.52, SPNS pays a better dividend. On top of this SPNS pays more dividend than 94.24% of the companies listed in the same industry.
- Compared to the average S&P500 Dividend Yield of 1.84, SPNS is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.36% |
5.2 History
- On average, the dividend of SPNS grows each year by 21.00%, which is quite nice.
- 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
5.3 Sustainability
- SPNS pays out 60.73% of its income as dividend. This is not a sustainable payout ratio.
- The dividend of SPNS is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP60.73%
EPS Next 2Y4.04%
EPS Next 3Y6.07%
43.45
+0.01 (+0.02%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)02-16 2026-02-16/bmo
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 %2.1%
Short Ratio1.3
Dividend
| Industry Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 Rank | Sector 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 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%.