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Sapiens International Corporation NV (NASDAQ:SPNS)
29.54 USD
+0.180 0.613%| Previous Close (in USD) | 29.36 |
|---|---|
| Change | +0.180 0.613% |
| 52 W H/L (in USD) | 35.330/24.158 |
| EBITDA (in USD) | 96.73M |
| PE Ratio | 29.04 |
| Volume | 59965 |
| Diluted Eps TTM | 1.17 |
| Total Assets (in USD) | 689.624M |
|---|---|
| Total Liabilities (in USD) | 239.677M |
| Revenue TTM (in USD) | 524.112M |
| Cash (in USD) | 126.716M |
| Market Cap (in USD) | 1,893.814 M |
| Revenue Per Share TTM | 9.440 |
| Gross Profit TTM (in USD) | 200.163M |
Summary
Income Statement
Balance Sheet
Change in Cash
Operating Cash
Dividend Paid
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.
Employees: 5000
Key Executives
| Sr. No. | Name | Title | Year Born |
|---|---|---|---|
| 1. | Mr. Roni Al-Dor | Pres, CEO & Director | 1961 |
| 2. | Mr. Roni Giladi | Chief Financial Officer | 1971 |
| 3. | Mr. Ilan Buganim | Chief Technology & Information Officer | NA |
| 4. | Ms. Dina Vince | Head of Investor Relations | NA |
| 5. | Ms. Osnat Segev-Harel | Head of Corp. Devel. | 1962 |
| 6. | Mr. Rodrigo Rueda | Sales Director | NA |
| 7. | Ms. Noa Brummer | Chief HR Officer | NA |
| 8. | Mr. Raj Ghuman | Sr. VP of Bus. Devel. ? EMEA & APAC | NA |
| 9. | Ms. Hagit Ashkenazi | Exec. VP & Head of Professional Services | NA |
| 10. | Mr. Gary J. Sherne | EVP & Chief Revenue Officer of North America | NA |
Peers
Sector: Technology
Industry: Software - Application
| Company | 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) |
|
CRM
Salesforce.com Inc |
-4.095 1.506% | 271.52 | 100.890 | 27.473 | 7.420 | 4.337 | 7.445 | 26.814 |
|
SAPGF
SAP SE |
-0.980 0.327% | 297.8 | 76.280 | 22.883 | 5.613 | 3.839 | 5.589 | 26.175 |
|
SAP
SAP SE ADR |
-2.850 0.948% | 296.48 | 75.800 | 22.371 | 5.616 | 3.748 | 5.507 | 25.790 |
|
INTU
Intuit Inc |
-4.710 0.604% | 773.9 | 55.560 | 32.680 | 11.285 | 10.074 | 11.617 | 40.107 |
Income Statement
(Currency in USD)| Breakdown | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 | 31-12-2018 |
|---|---|---|---|---|---|
| Income Before Tax | 65.55M | 57.286M | 41.198M | 49.438M | 19.065M |
| Minority Interest | -0.336M | -0.151M | 2.521M | 1.679M | 1.44M |
| Net Income | 52.595M | 47.171M | 33.775M | 38.896M | 13.785M |
| Selling General Administrative | 75.016M | 76.343M | 69.613M | 54.274M | 52.133M |
| Gross Profit | 200.163M | 187.844M | 155.974M | 143.012M | 109.569M |
| Reconciled Depreciation | 22.24M | 28.669M | 23.383M | 19.138M | 19.862M |
| Ebit | 66.491M | 57.488M | 45.003M | 52.206M | 23.022M |
| Ebitda | 88.731M | 86.157M | 68.386M | 71.344M | 42.884M |
| Depreciation And Amortization | 22.24M | 28.669M | 23.383M | 19.138M | 19.862M |
| Operating Income | 66.491M | 57.488M | 45.003M | 52.206M | 23.022M |
| Other Operating Expenses | 408.245M | 403.547M | 337.9M | 273.468M | 266.685M |
| Interest Expense | 1.427M | 3.794M | 3.805M | 3.03M | 3.225M |
| Tax Provision | 12.619M | 9.964M | 7.041M | 8.61M | 5.031M |
| Interest Income | - | 0.887M | 0.38M | 0.382M | 0.181M |
| Net Interest Income | -0.941M | -0.202M | -3.805M | -2.648M | -3.044M |
| Income Tax Expense | 12.619M | 9.964M | 7.041M | 10.298M | 5.065M |
| Total Revenue | 474.736M | 461.035M | 382.903M | 325.674M | 289.707M |
| Total Operating Expenses | 133.672M | 130.356M | 110.971M | 90.806M | 86.547M |
| Cost Of Revenue | 274.573M | 273.191M | 226.929M | 182.662M | 180.138M |
| Total Other Income Expense Net | -0.941M | -0.202M | -3.805M | -2.768M | -0.947M |
| Net Income From Continuing Ops | 52.931M | 47.322M | 34.157M | 26.491M | 14M |
| Net Income Applicable To Common Shares | 52.595M | 47.171M | 33.775M | 26.247M | 13.785M |
Balance Sheet
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Total Assets | 689.624M | 666.751M | 714.993M | 714.161M | 452.421M |
| Intangible Assets | 61.042M | 67.429M | 82.142M | 99.315M | 57.988M |
| Other Current Assets | 22.514M | 0.109M | 0.188M | - | 22.89M |
| Total Liab | 239.677M | 263.897M | 306.273M | 330.467M | 226.923M |
| Total Stockholder Equity | 447.27M | 402.854M | 408.72M | 383.694M | 225.498M |
| Other Current Liab | 77.873M | 76.962M | 76.45M | 75.119M | 60.574M |
| Common Stock | 0.762M | 0.756M | 0.756M | 0.751M | 0.697M |
| Capital Stock | 0.762M | 0.756M | 0.756M | 0.751M | 0.697M |
| Retained Earnings | 119.875M | 85.575M | 71.559M | 44.643M | 17.912M |
| Good Will | 256.31M | 252.232M | 261.141M | 264.282M | 170.703M |
| Other Assets | - | 17.667M | 13.242M | 11.846M | 10.367M |
| Cash | 126.716M | 160.285M | 190.243M | 152.561M | 66.295M |
| Cash And Equivalents | - | - | - | - | - |
| Total Current Liabilities | 149.124M | 145.956M | 151.695M | 144.776M | 104.912M |
| Current Deferred Revenue | 38.541M | 30.72M | 39.614M | 34.548M | 21.021M |
| Net Debt | -39.67M | -43.719M | -41.883M | 24.608M | 54.159M |
| Short Term Debt | 26.419M | 28.859M | 30.623M | 29.72M | 18.21M |
| Short Long Term Debt | 19.796M | 19.796M | 19.796M | 19.796M | 9.898M |
| Short Long Term Debt Total | 87.046M | 116.566M | 148.36M | 177.169M | 120.454M |
| Other Stockholder Equity | 343.894M | 337.661M | 333.586M | 327.274M | 209.27M |
| Property Plant Equipment | - | 45.709M | 58.123M | 71.36M | 66.14M |
| Total Current Assets | 314.903M | 285.307M | 300.345M | 267.358M | 147.223M |
| Long Term Investments | - | - | - | - | - |
| Short Term Investments | 75.4M | 20M | 20M | 30M | 22.89M |
| Net Receivables | 90.273M | 105.022M | 90.102M | 84.797M | 58.038M |
| Long Term Debt | 39.543M | 59.275M | 78.986M | 98.676M | 58.85M |
| Inventory | - | - | - | - | - |
| Accounts Payable | 6.291M | 9.415M | 5.008M | 5.389M | 5.107M |
| Accumulated Other Comprehensive Income | -17.261M | -21.138M | 2.819M | 11.026M | -2.381M |
| Non Currrent Assets Other | 6.113M | 6.656M | 7.288M | 5.264M | 5.261M |
| Non Current Assets Total | 374.721M | 381.444M | 414.648M | 446.803M | 305.198M |
| Capital Lease Obligations | 27.707M | 37.495M | 49.578M | 58.697M | 51.706M |
| Long Term Debt Total | - | - | - | - | 58.85M |
Cash Flow
(Currency in USD)| Breakdown | 31-12-2023 | 31-12-2022 | 31-12-2021 | 31-12-2020 | 31-12-2019 |
|---|---|---|---|---|---|
| Investments | -64.314M | -12.44M | 0.125M | -114.602M | -41.868M |
| Total Cashflows From Investing Activities | - | -12.44M | 0.125M | -127.788M | -41.868M |
| Total Cash From Financing Activities | -43.339M | -58.375M | -39.96M | 143.32M | -20.654M |
| Net Income | 62.444M | 52.931M | 47.322M | 34.157M | 26.491M |
| Change In Cash | -33.569M | -29.958M | 37.682M | 86.266M | 1.667M |
| Begin Period Cash Flow | 160.285M | 190.243M | 152.561M | 66.295M | 64.628M |
| End Period Cash Flow | 126.716M | 160.285M | 190.243M | 152.561M | 66.295M |
| Total Cash From Operating Activities | 79.425M | 43.78M | 80.542M | 58.255M | 66.157M |
| Depreciation | 15.664M | 22.24M | 28.669M | 23.383M | 19.138M |
| Other Cashflows From Investing Activities | - | - | 10.031M | -7.507M | -24.009M |
| Dividends Paid | 28.144M | 38.579M | 20.255M | 7.044M | 11.009M |
| Change To Inventory | - | - | 13.937M | 5.168M | 13.393M |
| Sale Purchase Of Stock | - | - | -2.038M | 85.396M | 0.78M |
| Other Cashflows From Financing Activities | 4.601M | -12.44M | 0.091M | -13.871M | 0.257M |
| Capital Expenditures | 9.269M | 9.054M | 11.848M | 11.241M | 17.139M |
| Change In Working Capital | -8.761M | -35.462M | -1.735M | -3.801M | 18.992M |
| Other Non Cash Items | 41.026M | 10.245M | 0.106M | 0.134M | 0.171M |
| Free Cash Flow | 70.156M | 34.726M | 68.694M | 47.014M | 49.018M |
Funds
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | iShares Russell 2000 ETF | 1 year ago | 715687 |
| 2. | T. Rowe Price Integrated US Sm Gr Eq | 1 year ago | 617000 |
| 3. | Janus Henderson Small Cap Value L | 1 year ago | 581635 |
| 4. | Vanguard Total Intl Stock Index Inv | 1 year ago | 407087 |
| 5. | Oakmark International Small Cap Investor | 1 year ago | 369200 |
| 6. | Royce Small-Cap Quality Value Composite | 1 year ago | 348558 |
| 7. | Royce Small-Cap Total Return Invmt | 1 year ago | 348558 |
| 8. | Fidelity Small Cap Index | 1 year ago | 315058 |
| 9. | CREF Stock R1 | 1 year ago | 290330 |
| 10. | iShares Russell 2000 Growth ETF | 1 year ago | 259791 |
| 11. | Vanguard Developed Markets Index Admiral | 1 year ago | 255007 |
| 12. | DFA US Micro Cap I | 1 year ago | 241724 |
| 13. | Crawford Small Cap Equity | 1 year ago | 195750 |
| 14. | Crawford Small Cap Dividend | 1 year ago | 195750 |
| 15. | State St Russell Sm/Mid Cp® Indx NL Cl C | 1 year ago | 194737 |
| 16. | Vanguard Instl Ttl Intl Stk Mkt Idx TrII | 1 year ago | 194207 |
| 17. | iShares Core MSCI EAFE ETF | 1 year ago | 185564 |
| 18. | DFA US Small Cap I | 1 year ago | 173482 |
| 19. | Robeco FinTech I USD | 1 year ago | 150000 |
| 20. | Opus Small Cap Value Plus ETF | 1 year ago | 128441 |
Institutions
| Sr. No. | Name | Purchased On | Shares |
|---|---|---|---|
| 1. | BlackRock Inc | 1 year ago | 1666356 |
| 2. | Vanguard Group Inc | 1 year ago | 1366522 |
| 3. | Dimensional Fund Advisors, Inc. | 1 year ago | 1011292 |
| 4. | Acadian Asset Management LLC | 1 year ago | 954791 |
| 5. | T. Rowe Price Associates, Inc. | 1 year ago | 855537 |
| 6. | State Street Corporation | 1 year ago | 600436 |
| 7. | HHG PLC | 1 year ago | 599386 |
| 8. | Renaissance Technologies Corp | 1 year ago | 590203 |
| 9. | Clal Insurance Enterprises Holdings Ltd | 1 year ago | 580587 |
| 10. | Harris Associates L.P. | 1 year ago | 556600 |
| 11. | Royce & Associates, LP | 1 year ago | 524220 |
| 12. | Nuveen Asset Management, LLC | 1 year ago | 466524 |
| 13. | Geode Capital Management, LLC | 1 year ago | 379162 |
| 14. | Arrowstreet Capital Limited Partnership | 1 year ago | 329434 |
| 15. | Millennium Management LLC | 1 year ago | 324351 |
| 16. | MENORA MIVTACHIM HOLDINGS LIMITED | 1 year ago | 322401 |
| 17. | Goldman Sachs Group Inc | 1 year ago | 315824 |
| 18. | Crawford Investment Counsel, Inc | 1 year ago | 304506 |
| 19. | Morgan Stanley - Brokerage Accounts | 1 year ago | 294549 |
| 20. | JPMorgan Chase & Co | 1 year ago | 293165 |
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