Sapiens International Corp. NV

  • Market Cap: Small Cap
  • Industry: Software Products
  • ISIN: KYG7T16G1039
USD
43.29
0.00 (0.00%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

281.2 k

Shareholding (Mar 2025)

FII

6.11%

Held by 90 FIIs

DII

74.13%

Held by 22 DIIs

Promoter

0.00%

How big is Sapiens International Corp. NV?

22-Jun-2025

As of Jun 18, Sapiens International Corp. NV has a market capitalization of 1,652.16 million, with net sales of 544.25 million and a net profit of 72.86 million over the latest four quarters. Shareholder's funds are at 479.63 million, and total assets amount to 691.71 million.

As of Jun 18, Sapiens International Corp. NV has a market capitalization of 1,652.16 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the company reported net sales of 544.25 million for the latest four quarters, along with a net profit of 72.86 million during the same period.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 479.63 million and total assets amounting to 691.71 million.

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What does Sapiens International Corp. NV do?

22-Jun-2025

Sapiens International Corporation N.V. provides software solutions for the insurance industry, with recent net sales of $136 million and a market cap of $1.65 billion. Key metrics include a P/E ratio of 22.00 and a return on equity of 16.85%.

Overview:<BR>Sapiens International Corporation N.V. is a provider of software solutions for the insurance industry, operating within the software products sector and classified as a small-cap company.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 136 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 18 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 1,652.16 Million (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 22.00 <BR>Dividend Yield: 0.10% <BR>Debt Equity: -0.39 <BR>Return on Equity: 16.85% <BR>Price to Book: 3.59 <BR><BR>Contact Details:<BR>Address: Azrieli Center, 26 Harokmim St., HOLON None : 5885800 <BR>Tel: ['972 3 7902000', '1 385 831-7337'] <BR>Fax: 972 3 7902942 <BR>Website: https://www.sapiens.com/

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Should I buy, sell or hold Sapiens International Corp. NV?

22-Jun-2025

Who are in the management team of Sapiens International Corp. NV?

22-Jun-2025

As of March 2022, the management team of Sapiens International Corp. NV includes Chairman Guy Bernstein, CEO Roni Al Dor, Directors Naamit Salomon, Eyal Ben-Chelouche, Yaakov Elinav, and Uzi Netanel. They oversee the company's strategic direction.

As of March 2022, the management team of Sapiens International Corp. NV includes the following individuals:<BR><BR>- Mr. Guy Bernstein, Chairman of the Board<BR>- Mr. Roni Al Dor, President, Chief Executive Officer, and Director<BR>- Ms. Naamit Salomon, Director<BR>- Mr. Eyal Ben-Chelouche, Independent Director<BR>- Mr. Yaakov Elinav, Independent Director<BR>- Mr. Uzi Netanel, Independent Director<BR><BR>This team is responsible for the strategic direction and oversight of the company.

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Is Sapiens International Corp. NV overvalued or undervalued?

20-Sep-2025

As of August 8, 2025, Sapiens International Corp. NV is fairly valued with a P/E ratio of 22, despite a strong year-to-date return of 60.22%, outperforming the S&P 500's 12.22%.

As of 8 August 2025, the valuation grade for Sapiens International Corp. NV has moved from attractive to fair. The company appears to be fairly valued based on its current metrics, with a P/E ratio of 22, a Price to Book Value of 3.76, and an EV to EBITDA of 14.47. In comparison to its peers, Clearwater Analytics Holdings, Inc. has a much lower P/E of 12.49, while Agilysys, Inc. is deemed very expensive with a P/E of 275.52.<BR><BR>Despite the fair valuation, Sapiens has demonstrated strong performance with a year-to-date return of 60.22%, significantly outperforming the S&P 500's 12.22% during the same period. This suggests that while the stock may be fairly valued, its recent performance indicates positive investor sentiment.

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Is Sapiens International Corp. NV technically bullish or bearish?

07-Oct-2025

As of October 3, 2025, Sapiens International Corp. NV shows a mildly bullish trend with mixed technical signals, outperforming the S&P 500 year-to-date with a 60.18% return, but lagging over the past five years at 42.00% compared to the S&P's 100.56%.

As of 3 October 2025, the technical trend for Sapiens International Corp. NV has changed from bullish to mildly bullish. The weekly MACD and Bollinger Bands are bullish, while the weekly RSI is bearish, indicating mixed signals. The daily moving averages are bullish, suggesting short-term strength. However, the KST is bullish weekly but mildly bearish monthly, and the OBV shows a mildly bearish stance weekly. Overall, the current technical stance is mildly bullish, with strength primarily driven by the bullish MACD and moving averages. <BR><BR>In terms of performance, Sapiens has outperformed the S&P 500 year-to-date with a return of 60.18% compared to the S&P's 14.18%, but has lagged over the 5-year period, returning 42.00% versus the S&P's 100.56%.

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iScoreScore
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Strong Sell
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Dashboard
1

High Management Efficiency with a high ROE of 13.28%

 
2

Company has a low Debt to Equity ratio (avg) at times

 
3

The company has declared Positive results for the last 8 consecutive quarters

4

With ROE of 16.85%, it has a fair valuation with a 3.76 Price to Book Value

5

High Institutional Holdings at 42.35%

6

Market Beating Performance

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Software Products

stock-summary
Market cap

USD 2,504 Million (Small Cap)

stock-summary
P/E

22.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.04%

stock-summary
Debt Equity

-0.10

stock-summary
Return on Equity

15.01%

stock-summary
Price to Book

5.02

Revenue and Profits:
Net Sales:
142 Million
(Quarterly Results - Jun 2025)
Net Profit:
14 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
0.67%
0%
0.67%
6 Months
50.73%
0%
50.73%
1 Year
56.23%
0%
56.23%
2 Years
67.4%
0%
67.4%
3 Years
127.84%
0%
127.84%
4 Years
25.01%
0%
25.01%
5 Years
52.32%
0%
52.32%

Sapiens International Corp. NV for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
9.24%
EBIT Growth (5y)
15.19%
EBIT to Interest (avg)
52.38
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
-0.39
Sales to Capital Employed (avg)
1.04
Tax Ratio
19.71%
Dividend Payout Ratio
45.90%
Pledged Shares
0
Institutional Holding
42.35%
ROCE (avg)
23.61%
ROE (avg)
13.28%
Valuation key factors
Factor
Value
P/E Ratio
22
Industry P/E
Price to Book Value
3.76
EV to EBIT
16.77
EV to EBITDA
14.47
EV to Capital Employed
5.50
EV to Sales
2.85
PEG Ratio
1.36
Dividend Yield
0.10%
ROCE (Latest)
32.81%
ROE (Latest)
16.85%
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bearish
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 63 Schemes (19.76%)

Foreign Institutions

Held by 90 Foreign Institutions (6.11%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - YoY",
    "rhs": [
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        "suffix": "YoY Growth in quarter ended Jun 2025 is 3.51% vs 6.63% in Jun 2024",
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Jun 2025 is -22.58% vs 20.00% in Jun 2024",
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      "header": [
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        "Jun'24",
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          "val2": "136.80",
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "23.40",
          "val2": "25.40",
          "chgp": "-7.87%",
          "chgp_class": "negative"
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        {
          "field": "Interest",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
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          "field": "Exceptional Items",
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          "val2": "-0.40",
          "chgp": "-450.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "14.40",
          "val2": "18.60",
          "chgp": "-22.58%",
          "chgp_class": "negative"
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        {
          "field": "Operating Profit Margin (Excl OI)",
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          "field": "Operating Profit Margin (Excl OI)",
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Quarterly Results Snapshot (Consolidated) - Jun'25 - YoYstock-summary
Jun'25
Jun'24
Change(%)
Net Sales
141.60
136.80
3.51%
Operating Profit (PBDIT) excl Other Income
23.40
25.40
-7.87%
Interest
0.00
0.00
Exceptional Items
-2.20
-0.40
-450.00%
Consolidate Net Profit
14.40
18.60
-22.58%
Operating Profit Margin (Excl OI)
134.00%
162.60%
-2.86%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in quarter ended Jun 2025 is 3.51% vs 6.63% in Jun 2024

Direction Arrows
Consolidated Net Profit

YoY Growth in quarter ended Jun 2025 is -22.58% vs 20.00% in Jun 2024

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
542.40
514.60
5.40%
Operating Profit (PBDIT) excl Other Income
105.30
99.70
5.62%
Interest
0.40
0.30
33.33%
Exceptional Items
-5.50
-8.20
32.93%
Consolidate Net Profit
72.30
62.90
14.94%
Operating Profit Margin (Excl OI)
168.50%
163.40%
0.51%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is 5.40% vs 8.41% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 14.94% vs 18.90% in Dec 2023

stock-summaryCompany CV
About Sapiens International Corp. NV stock-summary
stock-summary
Sapiens International Corp. NV
Software Products
Sapiens International Corporation N.V. (Sapiens) is a provider of software solutions for the insurance industry, with a focus on the financial services sector. The Company operates in provider of software solutions segment. Its software solutions portfolio consists of Life, Pension, Annuity and Retirement Solutions, including software solutions for the management of a range of products for life, pension, annuity and retirement; Property and Casualty/General Insurance Solutions, including a software suite of solutions, supporting a range of business lines, including personal, commercial and specialty lines, as well as a solution for the management of reinsurance contracts; Sapiens DECISION, which is a business decision management solution, and Technology-Based Solutions, such as Sapiens eMerge. Its services include project delivery and implementation, business and technical consulting related to its products, project and program management, training and user acceptance testing.
Company Coordinates stock-summary
Company Details
Azrieli Center, 26 Harokmim St. , HOLON None : 5885800
stock-summary
Tel: 972 3 79020001 385 831-7337
stock-summary
Registrar Details