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

$2.43B

P/E (TTM)

38.6

67.6

Dividend Yield

1.5%

52W High

$43.52

52W Low

$23.69

52W Range

100%

Rank22Top 8.4%

5.9

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 5.9 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$152.32M+11.16%

4-Quarter Trend

EPS

$0.26-21.21%

4-Quarter Trend

FCF

$10.18M+0.88%

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)

FORTY

$2.89B

+6.6%

RNG

$2.52B

+4.8%

WBTN

$1.38B

+2.5%

Gross Margin (Latest Quarter)

RUM

97.4%

+27.9pp

82.5%

-0.4pp

PRGS

81.6%

-1.4pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RNG	$3.48B	77.1	-8.9%	100.0%
DAVE	$3.03B	15.4	73.9%	15.4%
ALRM	$2.44B	18.4	16.4%	52.3%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

4.3%

Moderate Growth

4Q Net Income CAGR

-7.2%

Declining Profitability

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:May 6, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data