Sapiens International Corporation NV

Chart & Performance

D1W1MN

No data to show

P/E

19.86

P/S

2.64

EPS

1.29

Div Yield, %

3.31%

Shrs. gr., 5y

2.08%

Rev. gr., 5y

10.74%

Revenues

542m

+5.40%

Net income

72m

+15.59%

CFO

82m

+3.53%

Dividend

Aug 28, 20240.29 USD/sh

Profile

Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.

URL

https://www.sapiens.com/

IPO date

May 29, 1992

Employees

4,754

Domiciled in

Incorporated in

Valuation

Order:

Title USD in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title USD in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	542,379 5.40%	514,584 8.39%	474,736 2.97%
Cost of revenue	370,574	364,240	333,229
Unusual Expense (Income)
NOPBT	171,805	150,344	141,507
NOPBT Margin	31.68%	29.22%	29.81%
Operating Taxes	17,507	14,251	12,619
Tax Rate	10.19%	9.48%	8.92%
NOPAT	154,298	136,093	128,888
Net income	72,179 15.59%	62,444 18.73%	52,595 11.50%
Dividends	(31,823)	(28,144)	(38,579)
Dividend yield	2.11%	1.75%	3.76%
Proceeds from repurchase of equity	98	4,809
BB yield	-0.01%	-0.30%
Debt
Debt current	26,236	26,419	28,859
Long-term debt	37,511	88,334	125,202
Deferred revenue
Other long-term liabilities	18,089	19,106	18,871
Net debt	(152,443)	(91,351)	(28,126)
Cash flow
Cash from operating activities	82,225	79,425	43,780
CAPEX	(10,012)	(2,574)	(9,054)
Cash from investing activities	9,277	(72,780)	(12,440)
Cash from financing activities	(52,151)	(43,339)	(58,375)
FCF	159,114	145,584	141,302
Balance
Cash	216,190	202,116	180,285
Long term investments		3,988	1,902
Excess cash	189,071	180,375	158,450
Stockholders' equity		106,053	67,543
Invested Capital	561,465	421,446	470,748
ROIC	31.40%	30.51%	26.52%
ROCE	30.23%	27.93%	25.74%
EV
Common stock shares outstanding	56,154	55,721	55,570
Price	26.87 -7.15%	28.94 56.60%	18.48 -46.36%
Market cap	1,508,858 -6.43%	1,612,570 57.03%	1,026,943 -46.38%
EV	1,356,415	1,523,896	1,001,167
EBITDA	191,878	171,783	163,747
EV/EBITDA	7.07	8.87	6.11
Interest		340	1,427
Interest/NOPBT		0.23%	1.01%