Sapiens International Stock Analysis

SPNS Stock  USD 25.90  0.21  0.80%   
The main objective of Sapiens International stock analysis is to determine its intrinsic value, which is an estimate of what Sapiens International is worth, separate from its market price. There are two main types of Sapiens International's stock analysis: fundamental analysis and technical analysis. Fundamental analysis focuses on the financial and economic factors that affect Sapiens International's performance, such as revenue growth, earnings, and financial stability. Technical analysis, on the other hand, focuses on the price and volume data of Sapiens International's stock to identify patterns and trends that may indicate its future price movements.
The Sapiens International stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA. Sapiens International is usually not traded on Juneteenth Holiday, Independence Day, Labour Day, Thanksgiving Day, Christmas Day, New Year 's Day, Dr . Martin Luther King Jr 's Birthday, Washington 's Birthday, Good Friday, Memorial Day. Sapiens Stock trading window is adjusted to America/New York timezone. Here, you can get updates on important government artifacts, including earning estimates, SEC corporate filings, announcements, and Sapiens International's ongoing operational relationships across important fundamental and technical indicators.
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Sapiens International. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
For more information on how to buy Sapiens Stock please use our How to Invest in Sapiens International guide.

Sapiens Stock Analysis Notes

About 49.0% of the company outstanding shares are owned by corporate insiders. The book value of Sapiens International was at this time reported as 7.58. The company last dividend was issued on the 15th of August 2023. Sapiens International had 1:5 split on the 16th of June 2003. 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. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel. Sapiens Intl operates under SoftwareApplication classification in the United States and is traded on NASDAQ Exchange. It employs 4044 people. To find out more about Sapiens International contact Roni AlDor at 972 3 790 2000 or learn more at

Sapiens International Quarterly Cost of Revenue

74.75 Million

Sapiens International Investment Alerts

Many investors view ongoing market volatility as an opportunity to purchase more stocks at a favorable price or short it to generate a bearish trend profit opportunity. If you are one of those investors, make sure you clearly understand the position you are entering. Sapiens International's investment alerts are automatically generated signals that are significant enough to either complement your investing judgment regarding Sapiens International or challenge it. These alerts can help you understand what you are buying and avoid costly mistakes.
Sapiens International generated a negative expected return over the last 90 days
Sapiens International is unlikely to experience financial distress in the next 2 years
Sapiens International has a poor financial position based on the latest SEC disclosures
About 49.0% of the company outstanding shares are owned by corporate insiders
Latest headline from Declining Stock and Solid Fundamentals Is The Market Wrong About Sapiens International Corporation N.V. - Yahoo Finance

Sapiens International Upcoming and Recent Events

Earnings reports are used by Sapiens International to provide an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Every quarterly earnings report provides investors with three things: an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Sapiens International previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
20th of February 2024
Upcoming Quarterly Report
1st of May 2024
Next Financial Report
31st of December 2023
Next Fiscal Quarter End
20th of February 2024
Next Fiscal Year End
30th of September 2023
Last Quarter Report
31st of December 2022
Last Financial Announcement

Sapiens Largest EPS Surprises

Earnings surprises can significantly impact Sapiens International's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate.
Fiscal Date
Estimated EPS
Reported EPS
View All Earnings Estimates

Sapiens International SEC Filings

SEC filings are important regulatory documents required of all public companies to provide to potential investors. Sapiens International prospectus issued under the guidelines of SEC is a legal declaration of facts and statements to ensure that Sapiens International investors are not misled. SEC filings are required by law to meet strict transparency standards and other important legal constraints. Although many companies may choose careful wording to disguise some material information, SEC filings make crucial Sapiens International specific information freely available to individual and institutional investors to make a timely investment decision.

Sapiens International Thematic Classifications

In addition to having Sapiens International stock in your portfolios, you can add positions using our predefined set of ideas and optimize them against your very unique investing style. A single investing idea is a collection of funds, stocks, ETFs, or cryptocurrencies that are programmatically selected from a pull of investment themes. After you determine your favorite investment opportunity, you can then obtain an optimal portfolio that will maximize potential returns on the chosen idea or minimize its exposure to market volatility. If you are a result-oriented investor, you can benefit from optimizing one of our existing themes to build an efficient portfolio against your specific investing outlook.
Data Storage Idea
Data Storage
Data Storage
Software Idea
Software, software systems, and software services
Israel Wall Street Idea
Israel Wall Street
Large Israel companies traded on major USA exchanges

Sapiens Stock Institutional Investors

Have you ever been surprised when a price of an equity instrument such as Sapiens International is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Sapiens International backward and forwards among themselves. Sapiens International's institutional investor refers to the entity that pools money to purchase Sapiens International's securities or originate loans. Institutional investors include commercial and private banks, credit unions, insurance companies, pension funds, hedge funds, endowments, and mutual funds. Operating companies that invest excess capital in these types of assets may also be included in the term and may influence corporate governance by exercising voting rights in their investments.
Last TransactionTypeSharesValue
Blackrock Inc2023-09-30Common Shares1.6 M46.9 M
Uss Investment Management Ltd2022-12-31Common Shares25 K45.6 M
Vanguard Group Inc2023-09-30Common Shares1.3 M36.8 M
Royce Associates Lp2023-09-30Common SharesM28.7 M
Dimensional Fund Advisors Lp2023-09-30Common Shares961.8 K27.3 M
Price T Rowe Associates Inc2023-09-30Common Shares936.1 K26.6 M
Acadian Asset Management Llc2023-09-30Common Shares785.3 K22.3 M
Renaissance Technologies Llc2023-09-30Common Shares593.8 K16.9 M
State Street Corp2023-09-30Common Shares584.6 K16.6 M
Clal Insurance Enterprises Holdings Ltd2023-09-30Common Shares580.6 K16.6 M
Harris Associates L P2023-09-30Common Shares409.9 K11.7 M
Note, although Sapiens International's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Sapiens Market Capitalization

The company currently falls under 'Mid-Cap' category with a current market capitalization of 1.46 B. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Sapiens International's market, we take the total number of its shares issued and multiply it by Sapiens International's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and those looking for more risk prefer small-cap and mid-cap equities.

Sapiens Profitablity

Sapiens International's profitability indicators refer to fundamental financial ratios that showcase Sapiens International's ability to generate income relative to its revenue or operating costs. If, let's say, Sapiens International is currently losing money, the management's focus should be on how to reverse that trend. However, when revenue exceeds expenses, Sapiens International's executives or investors may be in less hurry to break that information down - which is where profitability analysis comes into play. Gaining a greater understanding of Sapiens International's profitability requires more research than a typical breakdown of Sapiens International's financial statements. By doing a profitability analysis, companies can identify areas needing attention, and investors can make a profitable trade.
The company has Profit Margin (PM) of 0.12 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.16 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.16.
Last ReportedProjected for 2023
Return on Average Assets 0.08  0.07 
Return on Average Equity 0.13  0.12 
Return on Invested Capital 0.41  0.40 
Return on Sales 0.14  0.13 

Management Efficiency

Sapiens International has return on total asset (ROA) of 0.0728 % which means that it generated a profit of $0.0728 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of 0.1484 %, meaning that it created $0.1484 on every $100 dollars invested by stockholders. Sapiens International's management efficiency ratios could be used to measure how well Sapiens International manages its routine affairs as well as how well it operates its assets and liabilities. Return on Average Assets is likely to drop to 0.07 in 2023. Return on Average Equity is likely to drop to 0.12 in 2023. Total Assets is likely to drop to about 584.4 M in 2023. Current Assets is likely to drop to about 240.4 M in 2023
Last ReportedProjected for 2023
Book Value per Share 7.31  6.66 
Enterprise Value over EBIT 15.00  15.39 
Enterprise Value over EBITDA 11.19  15.83 
Price to Book Value 2.53  3.08 
Tangible Assets Book Value per Share 6.33  5.66 
Enterprise Value989.3 M971.1 M
Tangible Asset Value348.7 M300.1 M
The analysis of Sapiens International's management efficiency is an essential part of evaluating and assessing the financial and operational performance of the entity. It is also vital to analyze Sapiens International's future growth prospects and the overall market conditions to determine the value and potential of its stock. The analysis involves studying a range of financial metrics such as revenue, earnings, profit margins, cash flow, debt, market share, and external factors such as economic trends, industry outlook, competition, and government regulations. The goal of Sapiens Stock analysis is to determine whether it is undervalued, fairly valued, or overvalued and to make informed investment decisions.
Dividend Yield
Forward Dividend Yield
Forward Dividend Rate

Technical Drivers

As of the 29th of November, Sapiens International has the Variance of 4.23, risk adjusted performance of (0.05), and Coefficient Of Variation of (1,267). In relation to fundamental indicators, the technical analysis model makes it possible for you to check existing technical drivers of Sapiens International, as well as the relationship between them. In other words, you can use this information to find out if the company will indeed mirror its model of past prices and volume data, or the prices will eventually revert. We were able to interpolate thirteen technical drivers for Sapiens International, which can be compared to its competition. Please validate Sapiens International market risk adjusted performance and treynor ratio to decide if Sapiens International is priced more or less accurately, providing market reflects its prevalent price of 25.9 per share. Given that Sapiens International has information ratio of (0.09), we advise you to double-check Sapiens International's current market performance to make sure the company can sustain itself at a future point.

Sapiens International Price Movement Analysis

Execute Study
The output start index for this execution was sixty with a total number of output elements of one. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Sapiens International middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Sapiens International. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Sapiens International Predictive Daily Indicators

Sapiens International intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Sapiens International stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.

Sapiens International Forecast Models

Sapiens International's time-series forecasting models are one of many Sapiens International's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Sapiens International's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Sapiens Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Sapiens International prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Sapiens shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Sapiens International. By using and applying Sapiens Stock analysis, traders can create a robust methodology for identifying Sapiens entry and exit points for their positions.
Last ReportedProjected for 2023
EBITDA Margin 0.19  0.19 
Gross Margin 0.42  0.45 
Profit Margin 0.11  0.09 

Current Sapiens Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Sapiens analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Sapiens analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
Sapiens International current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Sapiens analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Sapiens stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Sapiens International, talking to its executives and customers, or listening to Sapiens conference calls.
Sapiens Analyst Advice Details

Sapiens Stock Analysis Indicators

Sapiens International stock analysis indicators help investors evaluate how Sapiens International stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Sapiens International shares will generate the highest return on investment. By understating and applying Sapiens International stock analysis, traders can identify Sapiens International position entry and exit signals to maximize returns.
Begin Period Cash Flow190.2 M
Long Term Debt59.3 M
Common Stock Shares Outstanding55.6 M
Total Stockholder Equity402.9 M
Tax Provision12.6 M
Quarterly Earnings Growth Y O Y0.167
Property Plant And Equipment Net45.7 M
Cash And Short Term Investments180.3 M
Cash160.3 M
Accounts Payable9.4 M
Net Debt-43.7 M
50 Day M A26.7166
Total Current Liabilities146 M
Other Operating Expenses408.2 M
Non Current Assets Total381.4 M
Forward Price Earnings29.5858
Non Currrent Assets Other6.7 M
Stock Based CompensationM
When determining whether Sapiens International is a strong investment it is important to analyze Sapiens International's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Sapiens International's future performance. For an informed investment choice regarding Sapiens Stock, refer to the following important reports:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Sapiens International. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis.
For more information on how to buy Sapiens Stock please use our How to Invest in Sapiens International guide.
You can also try the Global Correlations module to find global opportunities by holding instruments from different markets.

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When running Sapiens International's price analysis, check to measure Sapiens International's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sapiens International is operating at the current time. Most of Sapiens International's value examination focuses on studying past and present price action to predict the probability of Sapiens International's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sapiens International's price. Additionally, you may evaluate how the addition of Sapiens International to your portfolios can decrease your overall portfolio volatility.
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Is Sapiens International's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Sapiens International. If investors know Sapiens will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Sapiens International listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
Dividend Share
Earnings Share
Revenue Per Share
Quarterly Revenue Growth
The market value of Sapiens International is measured differently than its book value, which is the value of Sapiens that is recorded on the company's balance sheet. Investors also form their own opinion of Sapiens International's value that differs from its market value or its book value, called intrinsic value, which is Sapiens International's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Sapiens International's market value can be influenced by many factors that don't directly affect Sapiens International's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Sapiens International's value and its price as these two are different measures arrived at by different means. Investors typically determine if Sapiens International is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Sapiens International's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.