SPNS

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Stock Detail, Screener:
3, 5, 10-Year Performance
EV/EBITDA, EV/Sales
Dividend Growth (1, 3, 5 Years)
EPS & Sales Growth (3 Years)

Maps:
All from Screener plus:
ROA, ROE, ROIC
Quick & Current Ratios
LT Debt and Debt to Equity Ratios
Gross, Operating, and Net Margins

Dollar change +0.50
Percentage change 1.74	%

Peers: ACN CTSH INFY TCS EPAM DXC GLOB PAYC LDOS

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Index	RUT	P/E	22.58	EPS (ttm)	1.30	Insider Own	45.17%	Shs Outstand	55.74M	Perf Week	0.86%
Market Cap	1.63B	Forward P/E	18.92	EPS next Y	1.55	Insider Trans	0.00%	Shs Float	30.64M	Perf Month	2.15%
Enterprise Value	1.49B	PEG	5.94	EPS next Q	0.33	Inst Own	39.86%	Short Float	2.64%	Perf Quarter	8.79%
Income	72.76M	P/S	3.00	EPS this Y	-4.46%	Inst Trans	1.45%	Short Ratio	4.98	Perf Half Y	8.11%
Sales	544.24M	P/B	3.54	EPS next Y	9.34%	ROA	10.41%	Short Interest	0.81M	Perf YTD	10.41%
Book/sh	8.26	P/C	7.94	EPS next 5Y	3.80%	ROE	16.09%	52W High	40.64 -28.03%	Perf Year	-10.64%
Cash/sh	3.68	P/FCF	18.94	EPS past 3/5Y	14.29% 19.63%	ROIC	15.26%	52W Low	23.69 23.47%	Perf 3Y	27.00%
Dividend Est.	0.58 (1.98%)	EV/EBITDA	13.86	Sales past 3/5Y	5.57% 10.74%	Gross Margin	45.44%	Volatility	2.09% 1.90%	Perf 5Y	3.01%
Dividend TTM	0.59 (2.00%)	EV/Sales	2.73	EPS Y/Y TTM	10.25%	Oper. Margin	16.99%	ATR (14)	0.60	Perf 10Y	189.71%
Dividend Ex-Date	Apr 07, 2025	Quick Ratio	1.68	Sales Y/Y TTM	3.84%	Profit Margin	13.37%	RSI (14)	56.68	Recom	3.40
Dividend Gr. 3/5Y	7.87% 33.34%	Current Ratio	1.68	EPS Q/Q	3.26%	SMA20	1.06%	Beta	0.96	Target Price	29.75
Payout	45.90%	Debt/Eq	0.09	Sales Q/Q	1.38%	SMA50	3.33%	Rel Volume	0.82	Prev Close	28.75
Employees	4850	LT Debt/Eq	0.03	Earnings	May 08 BMO	SMA200	0.23%	Avg Volume	162.46K	Price	29.25
IPO	May 29, 1992	Option/Short	Yes / Yes	EPS/Sales Surpr.	4.52% -0.14%	Trades		Volume	133,670	Change	1.74%

Date	Action	Analyst	Rating Change	Price Target Change
Feb-03-25	Downgrade	Jefferies	Buy → Hold	$36 → $28
May-05-23	Downgrade	Barclays	Equal Weight → Underweight	$24
Jan-23-23	Initiated	Goldman	Buy	$28
Dec-01-22	Initiated	JP Morgan	Underweight	$20
Dec-14-21	Downgrade	JP Morgan	Neutral → Underweight	$35
Jul-13-21	Downgrade	JP Morgan	Overweight → Neutral	$35
Jun-03-21	Downgrade	Goldman	Neutral → Sell	$34 → $27
Jan-20-21	Initiated	Jefferies	Buy	$39
Jan-13-21	Initiated	Goldman	Neutral	$35
Dec-22-20	Initiated	Citigroup	Buy	$33
Oct-26-20	Initiated	JP Morgan	Overweight	$40
Aug-08-18	Reiterated	Needham	Buy	$13 → $14
Feb-16-18	Downgrade	Barclays	Overweight → Equal Weight	$17 → $11
Apr-28-17	Reiterated	Needham	Buy	$17 → $16
Mar-01-17	Reiterated	Needham	Buy	$16 → $17
Nov-08-16	Reiterated	Needham	Buy	$15 → $16
Nov-05-15	Downgrade	ROTH Capital	Buy → Neutral	$12
Aug-07-15	Reiterated	Needham	Buy	$11 → $14
Jun-26-15	Reiterated	ROTH Capital	Buy	$10 → $12
Dec-12-13	Initiated	William Blair	Outperform

Show Previous Ratings

Jun-24-25 05:27AM	Absa Life implements Sapiens insurance platform to streamline operations (Life Insurance International)
Jun-23-25 06:25AM	Absa Life Goes Live with Sapiens Insurance Platform to Modernize Core Systems and Enhance Customer Journeys (PR Newswire)
Jun-17-25 06:24AM	Sapiens to Accelerate Insurers' Digital Transformation with AI-Driven Upgrades for Life, Pensions, & Annuities (PR Newswire)
Jun-10-25 06:40AM	Encova Insurance Selects Sapiens Decision to Power Enterprise-Wide Transformation (PR Newswire)
May-21-25 06:38AM	Leading U.S. Auto Claims Organization Selects Sapiens to Modernize Operations (PR Newswire)
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May-15-25 06:17AM	Sapiens Hosts Global Client Conference in Vienna, Empowering Insurers to Lead Market Change (PR Newswire)
May-13-25 06:20AM	Global Insurance Leader Selected Sapiens to Innovate Operations (PR Newswire)
May-08-25 07:20AM	Sapiens (SPNS) Beats Q1 Earnings Estimates (Zacks)
06:18AM	Sapiens: Q1 Earnings Snapshot (Associated Press Finance)
06:08AM	Sapiens Reports First Quarter 2025 Financial Results (PR Newswire)
May-07-25 05:23PM	Guidewire Software's Performance Improves, But Valuation Appears Full (Seeking Alpha)
06:25AM	Sapiens Wins Top Honours from Celent for IDITSuite Excellence in EMEA and APAC (PR Newswire)
May-06-25 07:00AM	One of the Largest Global Life Insurers Selects Sapiens Insurance Platform for Life and Pensions to Drive Digital Transformation for its Czech Republic Business (PR Newswire)
Apr-30-25 05:15PM	PTC Inc. (PTC) Surpasses Q2 Earnings and Revenue Estimates (Zacks)
Apr-29-25 05:25AM	Sapiens enters deal to acquire insurtech company AdvantageGo (Life Insurance International)
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Apr-28-25 01:26PM	Sapiens Acquires AdvantageGo to Expand Global P&C Platform with Cutting-Edge Underwriting Workbench & Risk Management Capabilities (PR Newswire)
Apr-23-25 05:51AM	Sapiens to buy automation service provider Candela (Life Insurance International)
Apr-22-25 02:23AM	Sapiens Acquires Candela to Expand its Footprint in APAC and Enhance its Life Product Portfolio (PR Newswire)
Apr-17-25 10:50AM	Can Strong Recurring Revenue Growth Push SPNS Stock Higher in 2025? (Zacks)
06:24AM	SAPIENS TO ANNOUNCE FIRST QUARTER 2025 FINANCIAL RESULTS ON MAY 8, 2025 (PR Newswire)
Apr-16-25 05:46AM	Universal Life seeks to modernise core systems with Sapiens solution (Life Insurance International)
Apr-15-25 07:32AM	Universal Life Selects Sapiens to Modernise its Core Systems (PR Newswire)
Apr-08-25 07:20AM	Sapiens Enhances Industry-Leading StatementPro with New Multi-Company Features (PR Newswire)
Apr-02-25 07:26AM	Sapiens Introduces Next-Generation Enhancements for Life & Annuities Insurers with Updated IllustrationPro and ApplicationPro (PR Newswire)
Mar-31-25 07:20AM	Sapiens Life Platform Selected by a Leading U.S. Insurer (PR Newswire)
Mar-27-25 01:43PM	Sapiens Files Annual Report on Form 20-F for the Year Ended December 31, 2024 (PR Newswire)
Mar-26-25 06:26AM	SAPIENS DECLARES CASH DIVIDEND OF $16.8 MILLION, OR $0.30 PER SHARE, FOR THE SECOND HALF OF 2024 AND A SPECIAL CASH DIVIDEND OF $20.1 MILLION, OR $0.36 PER SHARE, FOR 2024 (PR Newswire)
Mar-12-25 07:50AM	Hiscox UK Goes Live with Sapiens Insurance Platform on Sapiens Cloud (PR Newswire)
Mar-10-25 12:06PM	Pioneer Insurance selects Sapiens Insurance Platform (Life Insurance International)
06:00AM	Pioneer Insurance Selects Sapiens to Drive Digital Innovation in the Philippines (PR Newswire)
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Feb-19-25 06:00AM	Sapiens International Corp NV (SPNS) Q4 2024 Earnings Call Highlights: Revenue Growth and ... (GuruFocus.com)
Feb-18-25 03:58PM	Sapiens International (SPNS) Reports 2024 Revenue Growth, Sets 2025 Guidance (Insider Monkey)
07:05AM	Sapiens (SPNS) Q4 Earnings Beat Estimates (Zacks)
06:17AM	Sapiens: Q4 Earnings Snapshot (Associated Press Finance)
05:51AM	Sapiens Reports Fourth Quarter 2024 Financial Results (PR Newswire)
Feb-13-25 11:33AM	Sapiens International Corporation N.V. (SPNS) Unveils UnderwritingPro v14 with AI-Powered Enhancements (Insider Monkey)
Feb-12-25 11:42AM	Sapiens rolls out new automated underwriting solution for insurers (Life Insurance International)
Feb-11-25 10:00AM	Sapiens (SPNS) Reports Next Week: What Awaits? (Zacks)
07:28AM	Sapiens Releases its Latest Underwriting Solution with Innovative Automation and AI for Life & Annuities Insurers (PR Newswire)
Feb-03-25 02:11PM	Jefferies upgrades SS&C, downgrades Sapiens ahead of Q4 reports (Investing.com)
Jan-29-25 09:00AM	American Armed Forces Mutual Aid Association Simplifies Insurance Application Processes Through Sapiens Implementation (GlobeNewswire)
Jan-28-25 07:23AM	SAPIENS TO ANNOUNCE FOURTH QUARTER AND YEAR-END 2024 FINANCIAL RESULTS ON FEBRUARY 18, 2025 (PR Newswire)
Jan-14-25 06:41AM	Sapiens enters Microsoft Azure marketplace (Life Insurance International)
Jan-13-25 07:20AM	Sapiens Now Available in the Microsoft Azure Marketplace (PR Newswire)
Dec-26-24 07:50AM	Sapiens to Participate in the 27th Annual Needham Growth Conference on January 15, 2025 (PR Newswire)
Dec-18-24 07:15AM	Sapiens wins XCelent award for Customer Base and Support for UnderwritingPro for Life and Annuities (PR Newswire)
07:15AM	Sapiens wins XCelent award for Customer Base and Support for UnderwritingPro for Life & Annuities (PR Newswire)
Nov-12-24 03:30AM	Q3 2024 Sapiens International Corporation N.V. Earnings Call (Thomson Reuters StreetEvents)
Nov-11-24 07:10AM	Sapiens (SPNS) Meets Q3 Earnings Estimates (Zacks) -26.24%
06:38AM	Sapiens stock slumps on annual guidance cut, disappointing Q3 results (Investing.com)
05:56AM	Sapiens: Q3 Earnings Snapshot (Associated Press Finance)
05:43AM	Sapiens Reports Third Quarter 2024 Financial Results (PR Newswire)
Nov-07-24 12:23PM	Strength Seen in Sapiens (SPNS): Can Its 5.0% Jump Turn into More Strength? (Zacks)
Nov-05-24 07:52AM	Sapiens Advances Digital Transformation for African Insurer (TipRanks)
Nov-04-24 07:26AM	A Tier 1 Insurer in Africa Optimises Data Capabilities with Go-Live of Sapiens Data and Analytics Solution (PR Newswire)
Oct-28-24 08:20AM	SAPIENS TO ANNOUNCE THIRD QUARTER OF 2024 FINANCIAL RESULTS ON NOVEMBER 11, 2024 (PR Newswire)
Oct-15-24 10:54AM	Sapiens Decision launches underwriting solution for P&C (Life Insurance International)
07:23AM	Sapiens Decision Launches Solution to Boost Decision Underwriting Efficiency and Profitability for P&C (PR Newswire)
Sep-30-24 08:05AM	Hollard Group Risk Goes Live with Sapiens Data and Analytics Solution to Complement Sapiens CoreSuite for Life & Pensions (PR Newswire)
Sep-12-24 07:25AM	Sapiens Showcases Next-Gen Innovations at Annual North America Customer Summit in Austin, Texas (PR Newswire)
Sep-09-24 05:35AM	Tier One life and health insurance carrier in Canada selects Sapiens (Life Insurance International)
Sep-05-24 01:15PM	Sapiens collaborates with Addresscloud to boost risk insights (Life Insurance International)
07:25AM	Tier-One Canadian Life and Health Insurance Carrier Selects Sapiens Insurance Platform to Foster Innovation, Drive Efficiency, and Improve Agent & Customer Experience (PR Newswire)
Sep-04-24 06:19AM	Sapiens Partners with Addresscloud to Enhance Insurers' Geographic Risk Insights (PR Newswire)
Aug-27-24 07:54AM	Sapiens Releases Latest Version of CoreSuite for Property & Casualty for Enhanced Performance, Security and Efficiency (PR Newswire)
Aug-15-24 06:25AM	SAPIENS DECLARES CASH DIVIDEND OF $16.2 MILLION, OR $0.29 PER SHARE FOR THE FIRST HALF OF 2024 (PR Newswire)
Aug-14-24 12:25PM	Sapiens (SPNS) Rides on Strong Portfolio, Partner Base (Zacks)
Aug-13-24 06:35AM	Society Insurance adopts Sapiens reinsurance automation tool (Life Insurance International)
Aug-12-24 07:16AM	Society Insurance Selects Sapiens to Automate and Transform its Reinsurance Processes (PR Newswire)
Aug-08-24 05:55AM	Continental General taps Sapiens to enhance life and annuities services (Life Insurance International)
Aug-07-24 07:20AM	Continental General Selects Sapiens Insurance Platform for Life & Annuities to Accelerate its Operations (PR Newswire)
Aug-06-24 09:55AM	Rockford Mutual chooses Sapiens ReinsurancePro for efficiency (Life Insurance International)
07:15AM	Rockford Mutual Insurance Company Selects Sapiens ReinsurancePro to Enhance Efficiency and Mitigate Claims Leakage (PR Newswire)
Aug-01-24 06:21AM	Sapiens: Q2 Earnings Snapshot (Associated Press Finance) -7.10%
06:04AM	Sapiens Reports Second Quarter 2024 Financial Results (PR Newswire)
Jul-18-24 02:55PM	Pan-American Life Insurance Group launches with Sapiens (Life Insurance International)
07:51AM	SAPIENS TO ANNOUNCE SECOND QUARTER OF 2024 FINANCIAL RESULTS ON AUGUST 1, 2024 (PR Newswire)
07:39AM	Pan-American Life Insurance Group Goes Live with Sapiens IllustrationPro SaaS Solution for Rollout on Microsoft Azure Cloud (PR Newswire)
Jul-09-24 08:10AM	S&P Global Ratings Maalot Confirms Ratings of Sapiens and its Series B Debentures as 'ilAA-' with a Stable Outlook/ 'ilAA-' (PR Newswire)
Jul-05-24 10:20AM	Sapiens' (SPNS) Strong Portfolio, Clientele Make It a Buy Now (Zacks)
Jul-04-24 08:47AM	Sapiens boosts growth for MPL insurers (Life Insurance International)
Jul-03-24 10:56AM	Sapiens (SPNS) Benefits From a Strong Portfolio, Partner Base (Zacks)
Jul-02-24 07:50AM	Sapiens Accelerates Growth for Medical Professional Liability Insurers (PR Newswire)
Jun-25-24 12:00PM	Sapiens (SPNS) Upgraded to Strong Buy: Here's Why (Zacks)
Jun-19-24 11:22AM	Sapiens' (SPNS) Latest AI-Powered Platform Strengthens Portfolio (Zacks)
Jun-18-24 07:20AM	Sapiens Launches Its Next-Gen Intelligent Insurance Platform (PR Newswire)
Jun-17-24 11:34AM	Sapiens (SPNS) Expands International Footprint With BKI Deal (Zacks)
Jun-13-24 07:25AM	Bangkok Insurance Public Company Limited Goes Live with Sapiens End-to-End P&C Platform (PR Newswire)
Jun-05-24 08:59AM	Blender Technologies and Sapiens Partner to Expand Global Reach (PR Newswire)
May-22-24 11:27AM	Here's Why Sapiens (SPNS) is a Must-Buy Stock Right Now (Zacks)
May-21-24 12:00PM	Sapiens (SPNS) Upgraded to Strong Buy: Here's What You Should Know (Zacks)
12:00PM	Are You Looking for a Top Momentum Pick? Why Sapiens (SPNS) is a Great Choice (Zacks)
08:00AM	Sapiens to Participate in Upcoming Investor Conferences (PR Newswire)
May-16-24 08:57AM	Republic Life Insurance goes live with Sapiens in the Caribbean (Life Insurance International)
08:16AM	Republic Life Insurance Goes Live as Caribbean's First Digital, Direct-to-Consumer Insurer Powered by Sapiens' Insurance Platform (PR Newswire)
May-09-24 02:32PM	Sapiens International Corporation N.V. (NASDAQ:SPNS) Q1 2024 Earnings Call Transcript (Insider Monkey)
May-08-24 09:22AM	Sapiens International's Q1 Non-GAAP Earnings, Revenue Rise (MT Newswires) +6.82%
07:05AM	Sapiens (SPNS) Q1 Earnings and Revenues Top Estimates (Zacks)
06:22AM	Sapiens International Q1 Profit Up, Beats Estimates, Reaffirms FY24 Revenue Outlook (RTT News)
06:06AM	Sapiens: Q1 Earnings Snapshot (Associated Press Finance)

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.

Insider Trading	Relationship	Date	Transaction	Cost	#Shares	Value ($)	SEC Form 4
Al-Dor Ron	Officer	Jun 05 '25	Proposed Sale	29.19	100,000	2,919,000	Jun 05 06:38 AM
Al-Dor Ron	Officer	May 06 '25	Proposed Sale	28.20	100,000	2,820,000	May 07 07:35 AM
Al-Dor Ron	Officer	Mar 19 '25	Proposed Sale	27.75	100,000	2,775,000	Mar 19 08:12 AM

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Sapiens International Corp NV

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