logo
Twitter
Discord
Email
logo
Sapiens International Corporation N.V.

Sapiens International Corporation N.V.

NASDAQ•SPNS
CEO: Mr. Roni Al-Dor
Sector: Technology
Industry: Software - Application
Listing Date: 1998-03-05
Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe, the Middle East, Africa, the Asia Pacific, and internationally. The company provides various solutions for property and casualty commercial and personal lines, life and pensions, and reinsurance fields. It offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; IDITGo, a pre-configured, data-enriched insurance launch and accelerator platform solutions; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement. The company also provides CoreSuite, an end-to-end cloud and digital PAS for individual and group products across life, health, wealth, and pensions; CustomerConnect, a dynamic self-service and persona-based portal to engage with insureds; AgentConnect, a portal for agents and brokers to focus on sales enablement, customer retention, and increasing customer value; and ReinsuranceMaster, a reinsurance automation software that provides insurers full financial control and flexibility over their entire reinsurance process. The company was founded in 1982 and is headquartered in Holon, Israel.
Contact Information
Azrieli Center, 26 Harokmim Street, Holon, 5885800, Israel
972-3-790-2000
www.sapiens.com
Market Cap
$2.41B
P/E (TTM)
35.3
86.8
Dividend Yield
1.5%
52W High
$43.21
52W Low
$23.69
52W Range
100%
6.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Strong • 6.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2015-2024

Financial Dashboard

Q2 2025 Data

Revenue

$141.60M+3.51%
4-Quarter Trend

EPS

$0.25-24.24%
4-Quarter Trend

FCF

-$946.00K-116.14%
4-Quarter Trend

2024 Annual Earnings Highlights

Key Highlights

Revenue Growth 5.4% Revenues reached $542.4M USD, increasing 5.4%. Gross profit grew 8.4% to $238.1M USD.
Shareholder Net Income Up Net income attributable to shareholders was $72.2M USD, reflecting a strong 15.6% increase over prior year.
Operating Income Improved Operating income rose 8.9% to $85.8M USD, improving operating margin to 15.8% of total revenues.
Positive Cash Flow Generation Cash provided by operating activities totaled $82.2M USD, showing growth from $79.4M USD last year.

Risk Factors

M&A Integration Challenges Performance relies heavily on successful integration of acquired companies; failure could harm future results of operations.
Macroeconomic Headwinds Impact Lingering inflation and high interest rates may adversely impact customer capital expenditure budgets and revenues.
Cybersecurity and Data Risks Security vulnerabilities or breaches in IT systems could cause liabilities, reputational damage, and service disruption.
Israeli Operations Geopolitical Risk Operations face risks from political instability, regional conflicts involving Israel, and potential tax benefit changes.

Outlook

AI and Platform Innovation Continuous investment in R&D, focusing on AI, Generative AI, and enhancing the Intelligent Insurance Platform proposition.
Cloud and SaaS Strategy Plan to continue cloud transformation, enhancing SaaS capabilities, and selling cloud solutions to new customers globally.
Global Footprint Expansion Broaden offering presence in current geographies and expand market reach into DACH, Spain, and LatAm regions.
Strengthen Partner Ecosystem Focus on strengthening strategic partnership with Microsoft and formalizing new relationships with System Integrators.

Peer Comparison

Revenue (TTM)

Formula Systems (1985) Ltd.FORTY
$2.89B
+8.6%
RingCentral, Inc.RNG
$2.49B
+5.5%
WEBTOON Entertainment Inc.WBTN
$1.37B
+5.8%

Gross Margin (Latest Quarter)

Alarm.com Holdings, Inc.ALRM
90.5%
+25.8 pp
Dave Inc.DAVE
82.2%
-8.5 pp
Progress Software CorporationPRGS
81.0%
-2.8 pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
DAVE$3.34B22.765.8%0.1%
GRND$2.85B-58.3-44.2%3.4%
ALRM$2.52B19.616.5%50.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
+1.1%
Moderate Growth
4Q Net Income CAGR
-8.1%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Reports
All Years

  • Form 20-F - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 27, 2025|
    Revenue: $542.38M+5.4%
    |
    EPS: $1.29+14.2%
    Beat

  • Form 20-F - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 26, 2024|
    Revenue: $514.58M+8.4%
    |
    EPS: $1.13+18.9%
    Beat

  • Form 20-F - FY 2022

    Period End: Dec 31, 2022|Filed: Mar 29, 2023|
    Revenue: $474.74M+3.0%
    |
    EPS: $0.95+10.5%
    Beat

  • Form 20-F - FY 2021

    Period End: Dec 31, 2021|Filed: Mar 31, 2022|
    Revenue: $461.04M+20.4%
    |
    EPS: $0.86+30.3%
    Miss

  • Form 20-F - FY 2020

    Period End: Dec 31, 2020|Filed: Mar 25, 2021|
    Revenue: $382.90M+17.6%
    |
    EPS: $0.66+26.9%
    Miss