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Home CompaniesSapiens International Corporation NV

Sapiens International Corporation NV

Technology Software - Application
PortfolioPortfolio WatchlistWatchlist
Company price
None USD 0.00(0%)
Last update at 2026-01-08T21:00:49.979539Z
Market Cap
1893.81M
P/E
29.04

Momentum Score

…

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.

Source: TradingView
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52 Week Price Range
24.16
Low
35.33
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
13950.00
Dividend Yield
1.64%
Revenue TTM
524.11M
Revenue Per Share
9.44
Gross Profit TTM
200.16M
Debt / Equity
0.19
ROE
15.32%
Net Debt
-39.67M
ROCE
12.30%
Diluted EPS TTM
1.17

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 65.55M 57.29M 41.20M 49.44M 19.07M
Minority interest -0.34M -0.15M 2.52M 1.68M 1.44M
Net income 52.59M 47.17M 33.77M 38.90M 13.79M
Selling general administrative 75.02M 76.34M 69.61M 54.27M 52.13M
Gross profit 200.16M 187.84M 155.97M 143.01M 109.57M
Reconciled depreciation 22.24M 28.67M 23.38M 19.14M 19.86M
Ebit 66.49M 57.49M 45.00M 52.21M 23.02M
Ebitda 88.73M 86.16M 68.39M 71.34M 42.88M
Depreciation and amortization 22.24M 28.67M 23.38M 19.14M 19.86M
Operating income 66.49M 57.49M 45.00M 52.21M 23.02M
Other operating expenses 408.25M 403.55M 337.90M 273.47M 266.69M
Interest expense 1.43M 3.79M 3.81M 3.03M 3.23M
Tax provision 12.62M 9.96M 7.04M 8.61M 5.03M
Interest income - 0.89M 0.38M 0.38M 0.18M
Net interest income -0.94M -0.20M -3.81M -2.65M -3.04M
Income tax expense 12.62M 9.96M 7.04M 10.30M 5.07M
Total revenue 474.74M 461.04M 382.90M 325.67M 289.71M
Total operating expenses 133.67M 130.36M 110.97M 90.81M 86.55M
Cost of revenue 274.57M 273.19M 226.93M 182.66M 180.14M
Total other income expense net -0.94M -0.20M -3.81M -2.77M -0.95M
Net income from continuing ops 52.93M 47.32M 34.16M 26.49M 14.00M
Net income applicable to common shares 52.59M 47.17M 33.77M 26.25M 13.79M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 689.62M 666.75M 714.99M 714.16M 452.42M
Intangible assets 61.04M 67.43M 82.14M 99.31M 57.99M
Other current assets 22.51M 0.11M 0.19M - 22.89M
Total liab 239.68M 263.90M 306.27M 330.47M 226.92M
Total stockholder equity 447.27M 402.85M 408.72M 383.69M 225.50M
Other current liab 77.87M 76.96M 76.45M 75.12M 60.57M
Common stock 0.76M 0.76M 0.76M 0.75M 0.70M
Capital stock 0.76M 0.76M 0.76M 0.75M 0.70M
Retained earnings 119.88M 85.58M 71.56M 44.64M 17.91M
Other liab - 31.74M 36.74M 37.73M 19.77M
Good will 256.31M 252.23M 261.14M 264.28M 170.70M
Other assets - 17.67M 13.24M 11.85M 10.37M
Cash 126.72M 160.28M 190.24M 152.56M 66.30M
Total current liabilities 149.12M 145.96M 151.69M 144.78M 104.91M
Current deferred revenue 38.54M 30.72M 39.61M 34.55M 21.02M
Net debt -39.67M -43.72M -41.88M 24.61M 54.16M
Short term debt 26.42M 28.86M 30.62M 29.72M 18.21M
Short long term debt 19.80M 19.80M 19.80M 19.80M 9.90M
Short long term debt total 87.05M 116.57M 148.36M 177.17M 120.45M
Other stockholder equity 343.89M 337.66M 333.59M 327.27M 209.27M
Property plant equipment - 45.71M 58.12M 71.36M 66.14M
Total current assets 314.90M 285.31M 300.35M 267.36M 147.22M
Net tangible assets - 80.84M 65.44M 18.09M -4.87M
Short term investments 75.40M 20.00M 20.00M 30.00M 22.89M
Net receivables 90.27M 105.02M 90.10M 84.80M 58.04M
Long term debt 39.54M 59.27M 78.99M 98.68M 58.85M
Accounts payable 6.29M 9.41M 5.01M 5.39M 5.11M
Accumulated other comprehensive income -17.26M -21.14M 2.82M 11.03M -2.38M
Common stock total equity - - - - 0.70M
Treasury stock - - - - -9.42M
Non currrent assets other 6.11M 6.66M 7.29M 5.26M 5.26M
Non current assets total 374.72M 381.44M 414.65M 446.80M 305.20M
Capital lease obligations 27.71M 37.49M 49.58M 58.70M 51.71M
Long term debt total - - - - 58.85M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Investments -64.31M -12.44M 0.12M -114.60M -41.87M
Change to liabilities - -13.24M 2.50M 1.63M -5.17M
Total cashflows from investing activities - -12.44M 0.12M -127.79M -41.87M
Net borrowings - -19.80M -19.80M 50.45M -9.90M
Total cash from financing activities -43.34M -58.38M -39.96M 143.32M -20.65M
Change to operating activities - -0.24M 9.70M -0.27M 13.65M
Net income 62.44M 52.93M 47.32M 34.16M 26.49M
Change in cash -33.57M -29.96M 37.68M 86.27M 1.67M
Begin period cash flow 160.28M 190.24M 152.56M 66.30M 64.63M
End period cash flow 126.72M 160.28M 190.24M 152.56M 66.30M
Total cash from operating activities 79.42M 43.78M 80.54M 58.26M 66.16M
Issuance of capital stock - 0.00M 0.00M 108.74M 0.00M
Depreciation 15.66M 22.24M 28.67M 23.38M 19.14M
Other cashflows from investing activities - - 10.03M -7.51M -24.01M
Dividends paid 28.14M 38.58M 20.25M 7.04M 11.01M
Change to inventory - - 13.94M 5.17M 13.39M
Change to account receivables 3.96M -21.86M -13.94M -5.17M 10.51M
Sale purchase of stock - - -2.04M 85.40M 0.78M
Other cashflows from financing activities 4.60M -12.44M 0.09M -13.87M 0.26M
Change to netincome - 4.20M 6.33M 4.76M 1.61M
Capital expenditures 9.27M 9.05M 11.85M 11.24M 17.14M
Change in working capital -8.76M -35.46M -1.74M -3.80M 18.99M
Stock based compensation 3.62M 3.96M 4.80M 3.99M 1.41M
Other non cash items 41.03M 10.24M 0.11M 0.13M 0.17M
Free cash flow 70.16M 34.73M 68.69M 47.01M 49.02M

Peer Comparison*

Sector: Technology Industry: Software - Application

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
SAP
SAP SE ADR		 -0.29
0.12%		 233.81 28.16 22.42 6.52 4.85 5.60 16.61
CRM
Salesforce Inc		 -2.48
1.14%		 215.53 23.41 15.55 4.79 5.56 5.55 14.88
SAPGF
SAP SE		 0.50
0.21%		 234.50 76.28 22.88 5.61 3.84 5.59 26.18
SHOP
Shopify Inc		 -1.14
0.76%		 148.12 90.18 53.19 12.70 13.17 12.23 67.86

Profile*

Sapiens International Corporation NV

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.

Azrieli Center, Holon, Israel, 5885800

972 3 790 2000

https://www.sapiens.com

5000

Name Title Year Born
Mr. Roni Al-Dor Pres, CEO & Director 1961
Mr. Roni Giladi Chief Financial Officer 1971
Mr. Ilan Buganim Chief Technology & Information Officer NA
Ms. Dina Vince Head of Investor Relations NA
Ms. Osnat Segev-Harel Head of Corp. Devel. 1962
Mr. Rodrigo Rueda Sales Director NA
Ms. Noa Brummer Chief HR Officer NA
Mr. Raj Ghuman Sr. VP of Bus. Devel. ? EMEA & APAC NA
Ms. Hagit Ashkenazi Exec. VP & Head of Professional Services NA
Mr. Gary J. Sherne EVP & Chief Revenue Officer of North America NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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