SAPIENS INTERNATIONAL CORP (SPNS) Stock Fundamental Analysis

NASDAQ:SPNS • KYG7T16G1039

43.45 USD
+0.01 (+0.02%)
At close: Dec 16, 2025
43.45 USD
0 (0%)
After Hours: 12/16/2025, 8:00:03 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, SPNS scores 5 out of 10 in our fundamental rating. SPNS was compared to 277 industry peers in the Software industry. While SPNS belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. SPNS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

7

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.
  • In the past 5 years SPNS has always been profitable.
  • SPNS had a positive operating cash flow in each of the past 5 years.
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.
  • Looking at the Return On Invested Capital, with a value of 10.86%, SPNS belongs to the top of the industry, outperforming 86.33% of the companies in the same industry.
  • Measured over the past 3 years, the Average Return On Invested Capital for SPNS is in line with the industry average of 10.83%.
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

  • Looking at the Profit Margin, with a value of 11.40%, SPNS is in the better half of the industry, outperforming 71.94% of the companies in the same industry.
  • SPNS's Profit Margin has improved in the last couple of years.
  • SPNS's Operating Margin of 13.72% is fine compared to the rest of the industry. SPNS outperforms 79.86% of its industry peers.
  • In the last couple of years the Operating Margin of SPNS has grown nicely.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

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.
  • Compared to 1 year ago, SPNS has an improved debt to assets ratio.
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 of 1.52. This is comparable to the rest of the industry: SPNS outperforms 44.96% of its industry peers.
  • A Quick Ratio of 1.52 indicates that SPNS should not have too much problems paying its short term obligations.
  • SPNS's Quick ratio of 1.52 is in line compared to the rest of the industry. SPNS outperforms 46.04% of its industry peers.
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. 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.
  • 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

  • SPNS is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.07% yearly.
  • Based on estimates for the next years, SPNS will show a small growth in Revenue. The Revenue will grow by 7.22% on average per year.
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 30.17, which means the current valuation is very expensive for 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.
  • SPNS is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 27.31, which means the current valuation is very expensive for 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.
  • SPNS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 27.69, which is the current average of the S&P500 Index.
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 the industry average as 74.82% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, SPNS is valued a bit cheaper than the industry average as 67.63% of the companies are valued more expensively.
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%

More info and screens

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

4

5. Dividend

5.1 Amount

  • SPNS has a Yearly Dividend Yield of 1.36%. Purely for dividend investing, there may be better candidates out there.
  • SPNS's Dividend Yield is rather good when compared to the industry average which is at 0.61. SPNS pays more dividend than 94.24% of the companies in the same industry.
  • Compared to the average S&P500 Dividend Yield of 1.80, 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.
  • The dividend of SPNS decreased 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

More info and screens

Find the best dividend stocksShow peers with best dividend

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-13.8%
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 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%.