2.46%
1.36%
-26.15%
-29.99%
-0.24%
-14.46%
7.10%
AI Spotlight on SPNS
Company Description
Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally.The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities.It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation.
In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics.Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services.The company markets and sells its products and services through direct and partner sales.
Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.
Market Data
| Last Price | 27.23 |
| Change Percentage | 2.46% |
| Open | 26.58 |
| Previous Close | 26.58 |
| Market Cap ( Millions) | 1518 |
| Volume | 53220 |
| Year High | 41.22 |
| Year Low | 25.01 |
| M A 50 | 27.13 |
| M A 200 | 33.07 |
Financial Ratios
| FCF Yield | 4.45% |
| Dividend Yield | 2.09% |
| ROE | 15.67% |
| Debt / Equity | 13.44% |
| Net Debt / EBIDTA | -81.10% |
| Price To Book | 3.25 |
| Price Earnings Ratio | 21.34 |
| Price To FCF | 22.48 |
| Price To sales | 2.82 |
| EV / EBITDA | 13.99 |
News
- Jan -29 - American Armed Forces Mutual Aid Association Simplifies Insurance Application Processes Through Sapiens Implementation
- Jan -28 - SAPIENS TO ANNOUNCE FOURTH QUARTER AND YEAR-END 2024 FINANCIAL RESULTS ON FEBRUARY 18, 2025
- Jan -16 - Lost Money on Sapiens International Corporation N.V.(SPNS)? Contact Levi & Korsinsky Regarding an Ongoing Investigation
- Jan -15 - SPNS ACTIVE INVESTIGATION: Contact Levi & Korsinsky if you lost money on your Sapiens International Corporation N.V. investment
- Jan -14 - SPNS ALERT: Levi & Korsinsky Reminds Investors of an Investigation Involving Possible Securities Fraud Violations by Sapiens International Corporation N.V.
- Jan -13 - Shareholders that Lost Money on Sapiens International Corporation N.V.(SPNS) Should Contact Levi & Korsinsky about Securities Fraud Investigation - SPNS
- Jan -10 - Sapiens International Corporation N.V. Investigation Ongoing: Contact Levi & Korsinsky to Discuss Your Rights - SPNS
- Jan -09 - Sapiens International Corporation N.V. Investigation Ongoing: Contact Levi & Korsinsky About Potential Securities Fraud Allegations - SPNS
- Jan -08 - Sapiens International Corporation N.V. Investigation Ongoing: Contact Levi & Korsinsky to Discuss Your Rights - SPNS
- Jan -07 - Did Sapiens International Corporation N.V. Mislead Investors?
- Jan -06 - Levi & Korsinsky Reminds Sapiens International Corporation N.V. Investors of the Ongoing Investigation into Potential Violations of Securities Laws - SPNS
- Jan -03 - SPNS ALERT- Levi & Korsinsky Has Commenced an Investigation on Behalf of Sapiens International Corporation N.V. Shareholders Who Lost Money
- Jan -02 - Lost Money on Sapiens International Corporation N.V. (SPNS)? You May Have Been Affected by Fraud - Contact Levi & Korsinsky
- Dec -31 - Sapiens International Corporation N.V. Investigation Ongoing: Contact Levi & Korsinsky to Discuss Your Rights - SPNS
- Dec -30 - Shareholders that lost money on Sapiens International Corporation N.V.(SPNS) should contact Levi & Korsinsky about Securities Fraud Investigation - SPNS
- Dec -27 - SPNS ALERT: Levi & Korsinsky Reminds Investors of an Investigation Involving Possible Securities Fraud Violations by Sapiens International Corporation N.V.
- Dec -26 - Sapiens to Participate in the 27th Annual Needham Growth Conference on January 15, 2025
- Dec -26 - Shareholders that lost money on Sapiens International Corporation N.V. (SPNS) should contact Levi & Korsinsky about Securities Fraud Investigation - SPNS
- Dec -23 - ATTENTION Sapiens International Corporation N.V. Investors: You May Have Been Affected by Fraud - Contact Levi & Korsinsky to Discuss Your Rights
- Dec -19 - Sapiens International Corporation N.V. (SPNS) Shareholders May Have Been Affected by Fraud - Levi & Korsinsky Investigates
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Insurance
Expected Growth : 10.2 %
What the company do ?
Sapiens International Corporation N.V. offers insurance solutions for the financial services industry, providing policy administration, claims management, and distribution systems.
Why we expect these perspectives ?
Growing demand for digital transformation in the insurance industry, increasing adoption of cloud-based solutions, and rising need for efficient policy administration and claims management systems drive the growth of Sapiens International Corporation N.V.'s insurance solutions.
Segment n°2 -> All Other
Expected Growth : 7.2 %
What the company do ?
All Other from Sapiens International Corporation N.V. refers to the remaining business segments not classified under the core segments, including maintenance, consulting, and other services.
Why we expect these perspectives ?
The All Other segment's growth is driven by increasing demand for maintenance and consulting services, as well as the growing need for digital transformation in the insurance industry.
Segment n°3 -> Unallocated
Expected Growth : 12.3 %
What the company do ?
Unallocated from Sapiens International Corporation N.V. refers to the remaining amount of shares not assigned to any specific business segment or unit within the company.
Why we expect these perspectives ?
The unallocated segment of Sapiens International Corporation N.V. is expected to grow at a CAGR of 12.3% driven by increasing demand for digital transformation in the insurance industry, expansion into new markets, and strategic investments in emerging technologies.
Sapiens International Corporation N.V. Products
| Product Range | What is it ? |
|---|---|
| Sapiens CoreSuite | A comprehensive, modular insurance platform that supports the entire policy lifecycle, from underwriting to claims |
| Sapiens IDIT | A comprehensive, modular insurance platform that supports the entire policy lifecycle, from underwriting to claims, specifically designed for the Japanese market |
| Sapiens Reinsurance | A comprehensive reinsurance platform that supports the entire reinsurance lifecycle, from underwriting to claims |
| Sapiens Workers' Compensation | A comprehensive workers' compensation platform that supports the entire policy lifecycle, from underwriting to claims |
| Sapiens Property and Casualty | A comprehensive property and casualty insurance platform that supports the entire policy lifecycle, from underwriting to claims |
| Sapiens Life Insurance | A comprehensive life insurance platform that supports the entire policy lifecycle, from underwriting to claims |
| Sapiens DigitalSuite | A digital insurance platform that enables insurers to rapidly develop and deploy digital insurance products and services |
| Sapiens Intelligence | A business intelligence and analytics platform that provides insights and analytics for insurance companies |
Sapiens International Corporation N.V.'s Porter Forces
Threat Of Substitutes
The threat of substitutes for Sapiens International Corporation N.V. is medium due to the presence of alternative solutions in the market.
Bargaining Power Of Customers
The bargaining power of customers for Sapiens International Corporation N.V. is low due to the company's strong brand reputation and customer loyalty.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Sapiens International Corporation N.V. is medium due to the presence of multiple suppliers in the market.
Threat Of New Entrants
The threat of new entrants for Sapiens International Corporation N.V. is high due to the low barriers to entry in the industry.
Intensity Of Rivalry
The intensity of rivalry for Sapiens International Corporation N.V. is high due to the presence of multiple competitors in the market.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 12.85% |
| Debt Cost | 3.95% |
| Equity Weight | 87.15% |
| Equity Cost | 9.78% |
| WACC | 9.03% |
| Leverage | 14.75% |
Sapiens International Corporation N.V. : Quality Control
Sapiens International Corporation N.V. passed 9 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NCC.L | NCC Group plc engages in the cyber and software resilience business in the United Kingdom, the Asian-Pacific, North America, and Europe. It operates in two segments, Assurance and Software Resilience. … |
| ADMCM.HE | Admicom Oyj engages in the ERP cloud-based solutions in Finland. It also offers ERP system for building services, construction, and industrial sectors, accounting, and payroll services. The company was founded … |
| QDT.PA | Quadient S.A. provides business solutions for customers through digital and physical channels in France and internationally. The company offers customer experience management, business process automation, mail-related solutions, and parcel locker … |
| MUM.DE | Mensch und Maschine Software SE provides computer aided design, manufacturing, and engineering (CAD/CAM/CAE), product data management, and building information modeling/management solutions in Germany and internationally. It operates in two segments, … |
| TXT.MI | TXT e-solutions S.p.A., together with its subsidiaries, provides software and service solutions in Italy and internationally. It operates in two segments: Aerospace, Aviation & Transportation; and Fintech. The Aerospace, Aviation … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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TXT
A-Score
1-Year Total Return ->
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Admicom
A-Score
1-Year Total Return ->
🥉
Mensch und Maschine Software
A-Score
1-Year Total Return ->
4
Quadient
A-Score
1-Year Total Return ->
5
Sapiens
A-Score
1-Year Total Return ->
6
