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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| SPNS | +20.8% | +65.03% | +10.53% | -4% |
| S&P | +16.23% | +94.45% | +14.22% | +1,522% |
Sapiens International Corp. NV provides software solutions for the insurance industry. It offers core, end-to-end solutions to the global general insurance, property and casualty, life, pension and annuities, reinsurance and retirement markets, as well as business decision management software. The company was founded by Joseph Bolless and Ron Zuckerman in 1982 and is headquartered in Holon, Israel.
The Israel-based insurance software company posted big gains in September but still trades down roughly 5% year to date.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $141.60M | 3.5% |
| Gross Profit | $63.57M | 3.1% |
| Gross Margin | 44.89% | -0.2% |
| Market Cap | $1.63B | -13.8% |
| Market Cap / Employee | $0.34M | 0.0% |
| Employees | 4.8K | -3.0% |
| Net Income | $14.39M | -22.7% |
| EBITDA | $23.41M | -7.7% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $64.54M | -47.4% |
| Accounts Receivable | $134.95M | 32.2% |
| Inventory | 0 | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $18.29M | -51.3% |
| Short Term Debt | $27.09M | 6.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 9.72% | -0.7% |
| Return On Invested Capital | 10.48% | 1.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $0.97M | -87.4% |
| Operating Free Cash Flow | $2.00M | -75.9% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 29.33 | 20.91 | 20.91 | 24.02 | -12.96% |
| Price to Book | 4.53 | 3.19 | 3.11 | 3.54 | -16.30% |
| Price to Sales | 3.89 | 2.78 | 2.79 | 2.99 | -16.51% |
| Price to Tangible Book Value | 13.65 | 9.34 | 8.43 | 12.47 | -12.04% |
| Price to Free Cash Flow TTM | 46.81 | 31.76 | 27.85 | 62.87 | 18.63% |
| Enterprise Value to EBITDA | 75.67 | 46.64 | 51.41 | 69.40 | -1.19% |
| Free Cash Flow Yield | 2.1% | 3.1% | 3.6% | 1.6% | -15.70% |
| Return on Equity | 16.0% | 15.6% | 16.1% | 14.3% | -8.91% |
| Total Debt | $62.97M | $63.75M | $43.20M | $45.38M | -28.07% |
SPNS earnings call for the period ending October 31, 2021.
SPNS earnings call for the period ending June 30, 2021.
SPNS earnings call for the period ending March 31, 2021.
SPNS earnings call for the period ending December 31, 2020.
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