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Sapiens International Corporation NV, Common Stock

SPNS

NSQ

$26.36

+$0.92

(3.62%)

Industry: Software Sector: Information Technology

Analyst Forecast

Overview Returns Financials Ratios News FAQs

Price Chart

Key Metrics

Market Cap info-icon

This is a company’s total value as determined by the stock market. It is calculated by multiplying the total number of a company's outstanding shares by the current market price of one share.

$1.47B

P/E Ratio

This is the ratio of a security’s current share price to its earnings per share. This ratio determines the relative value of a company’s share.

19.7209

Volume

This is the total number of shares traded during the most recent trading day.

107.84K

Avg Volume info-icon

This is the average number of shares traded during the most recent 30 days.

Dividend Yield info-icon

This ratio shows how much income you earn in dividend payouts per year for every dollar invested in the stock (or the stock’s annual dividend payment expressed as a percentage of its current price).

2.31%

Beta

This measures the expected move in a stock’s price relative to movements in the overall market. The market, such as the S&P 500 Index, has a beta of 1.0. If a stock has a Beta greater (or lower) than 1.0, it suggests that the stock is more (or less) volatile than the broader market.

1.11

52-week Range
This shows the range of the stock’s price between the 52-week high (the highest price of the stock for the past 52 weeks) and the 52-week low (the lowest price of the stock for the past 52 weeks).

$23.69 L

$39.84 H

$26.36

About Sapiens International Corporation NV, Common Stock

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. more

Industry: SoftwareSector: Information Technology

Returns

Time Frame	SPNS	Sector	S&P500
1-Week Return	0.46%	-6.48%	-4.4%
1-Month Return	-4.01%	-13.67%	-10.77%
3-Month Return	-0.23%	-22.17%	-15.29%
6-Month Return	-29.59%	-18.93%	-11.9%
1-Year Return	-13.46%	-3.28%	2.9%
3-Year Return	8.17%	31.31%	20.61%
5-Year Return	15.21%	114.99%	84.18%
10-Year Return	214.93%	341.14%	144.64%

Time Frame	SPNS	Sector	S&P500
1-Week Return	27.04%	-96.96%	-90.43%
1-Month Return	-39.22%	-83.28%	-75.00%
3-Month Return	-0.93%	-63.81%	-48.98%
6-Month Return	-50.91%	-34.66%	-22.66%
1-Year Return	-13.46%	-3.28%	2.90%
3-Year Return	2.65%	9.50%	6.45%
5-Year Return	2.87%	16.54%	12.99%
10-Year Return	12.16%	16.00%	9.36%

Financials

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Revenue	382.90M	461.04M	474.74M	514.58M	542.38M	[{"date":"2020-12-31","value":70.6,"profit":true},{"date":"2021-12-31","value":85,"profit":true},{"date":"2022-12-31","value":87.53,"profit":true},{"date":"2023-12-31","value":94.88,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Cost of Revenue	226.93M	273.19M	274.57M	294.99M	304.27M	[{"date":"2020-12-31","value":74.58,"profit":true},{"date":"2021-12-31","value":89.79,"profit":true},{"date":"2022-12-31","value":90.24,"profit":true},{"date":"2023-12-31","value":96.95,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Gross Profit	155.97M	187.84M	200.16M	219.59M	238.11M	[{"date":"2020-12-31","value":65.51,"profit":true},{"date":"2021-12-31","value":78.89,"profit":true},{"date":"2022-12-31","value":84.06,"profit":true},{"date":"2023-12-31","value":92.22,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Gross Margin	40.73%	40.74%	42.16%	42.67%	43.90%	[{"date":"2020-12-31","value":92.79,"profit":true},{"date":"2021-12-31","value":92.81,"profit":true},{"date":"2022-12-31","value":96.04,"profit":true},{"date":"2023-12-31","value":97.21,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Operating Expenses	110.97M	130.36M	133.67M	140.73M	152.26M	[{"date":"2020-12-31","value":72.88,"profit":true},{"date":"2021-12-31","value":85.62,"profit":true},{"date":"2022-12-31","value":87.79,"profit":true},{"date":"2023-12-31","value":92.43,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Operating Income	45.00M	57.49M	66.49M	78.87M	85.85M	[{"date":"2020-12-31","value":52.42,"profit":true},{"date":"2021-12-31","value":66.96,"profit":true},{"date":"2022-12-31","value":77.45,"profit":true},{"date":"2023-12-31","value":91.87,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Non-Operating Income/Expense	(7.61M)	(404.00K)	(1.88M)	(3.60M)	9.05M	[{"date":"2020-12-31","value":-84.1,"profit":false},{"date":"2021-12-31","value":-4.46,"profit":false},{"date":"2022-12-31","value":-20.8,"profit":false},{"date":"2023-12-31","value":-39.73,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Pre-Tax Income	41.20M	57.29M	65.55M	77.12M	89.83M	[{"date":"2020-12-31","value":45.86,"profit":true},{"date":"2021-12-31","value":63.77,"profit":true},{"date":"2022-12-31","value":72.97,"profit":true},{"date":"2023-12-31","value":85.85,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income Taxes	7.04M	9.96M	12.62M	14.25M	17.51M	[{"date":"2020-12-31","value":40.22,"profit":true},{"date":"2021-12-31","value":56.91,"profit":true},{"date":"2022-12-31","value":72.08,"profit":true},{"date":"2023-12-31","value":81.4,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income After Taxes	34.16M	47.32M	52.93M	62.87M	72.32M	[{"date":"2020-12-31","value":47.23,"profit":true},{"date":"2021-12-31","value":65.43,"profit":true},{"date":"2022-12-31","value":73.19,"profit":true},{"date":"2023-12-31","value":86.93,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Income From Continuous Operations	34.16M	47.32M	52.93M	59.14M	72.32M	[{"date":"2020-12-31","value":47.23,"profit":true},{"date":"2021-12-31","value":65.43,"profit":true},{"date":"2022-12-31","value":73.19,"profit":true},{"date":"2023-12-31","value":81.78,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	33.77M	47.17M	52.59M	62.44M	72.18M	[{"date":"2020-12-31","value":46.79,"profit":true},{"date":"2021-12-31","value":65.35,"profit":true},{"date":"2022-12-31","value":72.87,"profit":true},{"date":"2023-12-31","value":86.51,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

EPS (Diluted)	1.00	1.19	1.20	1.34	1.47	[{"date":"2020-12-31","value":68.03,"profit":true},{"date":"2021-12-31","value":80.95,"profit":true},{"date":"2022-12-31","value":81.63,"profit":true},{"date":"2023-12-31","value":91.16,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Revenue	-	20.41%	2.97%	8.39%	5.40%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":14.56,"profit":true},{"date":"2023-12-31","value":41.14,"profit":true},{"date":"2024-12-31","value":26.47,"profit":true}]
Cost of Revenue	-	20.39%	0.51%	7.44%	3.15%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":2.48,"profit":true},{"date":"2023-12-31","value":36.48,"profit":true},{"date":"2024-12-31","value":15.43,"profit":true}]
Gross Profit	-	20.43%	6.56%	9.71%	8.43%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":32.1,"profit":true},{"date":"2023-12-31","value":47.51,"profit":true},{"date":"2024-12-31","value":41.26,"profit":true}]
Gross Margin	-	0.02%	3.48%	1.21%	2.87%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":0.66,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":34.8,"profit":true},{"date":"2024-12-31","value":82.52,"profit":true}]

Operating Expenses	-	17.47%	2.54%	5.28%	8.19%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":14.56,"profit":true},{"date":"2023-12-31","value":30.21,"profit":true},{"date":"2024-12-31","value":46.91,"profit":true}]
Operating Income	-	27.74%	15.66%	18.61%	8.85%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":56.45,"profit":true},{"date":"2023-12-31","value":67.1,"profit":true},{"date":"2024-12-31","value":31.91,"profit":true}]
Total Non-Operating Income/Expense	-	(94.69%)	365.84%	91.02%	(351.71%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-25.88,"profit":false},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":24.88,"profit":true},{"date":"2024-12-31","value":-96.14,"profit":false}]
Pre-Tax Income	-	39.05%	14.43%	17.65%	16.48%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":36.94,"profit":true},{"date":"2023-12-31","value":45.19,"profit":true},{"date":"2024-12-31","value":42.2,"profit":true}]
Income Taxes	-	41.51%	26.65%	12.93%	22.85%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":64.19,"profit":true},{"date":"2023-12-31","value":31.15,"profit":true},{"date":"2024-12-31","value":55.04,"profit":true}]
Income After Taxes	-	38.54%	11.85%	18.77%	15.04%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":30.75,"profit":true},{"date":"2023-12-31","value":48.7,"profit":true},{"date":"2024-12-31","value":39.01,"profit":true}]

Income From Continuous Operations	-	38.54%	11.85%	11.74%	22.28%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":30.75,"profit":true},{"date":"2023-12-31","value":30.45,"profit":true},{"date":"2024-12-31","value":57.81,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	-	39.66%	11.50%	18.73%	15.59%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":28.99,"profit":true},{"date":"2023-12-31","value":47.21,"profit":true},{"date":"2024-12-31","value":39.31,"profit":true}]

EPS (Diluted)	-	19.00%	0.84%	11.67%	9.70%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":4.42,"profit":true},{"date":"2023-12-31","value":61.4,"profit":true},{"date":"2024-12-31","value":51.06,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Total Revenue	134.25M	136.80M	136.80M	137.03M	134.31M	[{"date":"2023-12-31","value":97.97,"profit":true},{"date":"2024-03-31","value":99.84,"profit":true},{"date":"2024-06-30","value":99.84,"profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":98.01,"profit":true}]
Cost of Revenue	75.14M	75.13M	75.13M	76.73M	74.16M	[{"date":"2023-12-31","value":97.93,"profit":true},{"date":"2024-03-31","value":97.91,"profit":true},{"date":"2024-06-30","value":97.91,"profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":96.65,"profit":true}]
Gross Profit	59.10M	61.67M	61.67M	60.30M	60.15M	[{"date":"2023-12-31","value":95.84,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":97.77,"profit":true},{"date":"2024-12-31","value":97.53,"profit":true}]
Gross Margin	44.03%	45.08%	45.08%	44.00%	44.78%	[{"date":"2023-12-31","value":97.66,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":97.61,"profit":true},{"date":"2024-12-31","value":99.34,"profit":true}]

Operating Expenses	38.58M	39.42M	39.42M	38.55M	38.45M	[{"date":"2023-12-31","value":97.86,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":97.78,"profit":true},{"date":"2024-12-31","value":97.52,"profit":true}]
Operating Income	20.52M	22.25M	22.25M	21.75M	21.70M	[{"date":"2023-12-31","value":92.24,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":97.74,"profit":true},{"date":"2024-12-31","value":97.53,"profit":true}]
Total Non-Operating Income/Expense	6.01M	1.84M	1.85M	1.83M	2.82M	[{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-03-31","value":30.56,"profit":true},{"date":"2024-06-30","value":30.85,"profit":true},{"date":"2024-09-30","value":30.4,"profit":true},{"date":"2024-12-31","value":46.96,"profit":true}]
Pre-Tax Income	21.61M	22.99M	22.99M	22.66M	22.56M	[{"date":"2023-12-31","value":94.01,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":98.55,"profit":true},{"date":"2024-12-31","value":98.13,"profit":true}]
Income Taxes	4.11M	4.38M	4.38M	4.32M	4.70M	[{"date":"2023-12-31","value":87.6,"profit":true},{"date":"2024-03-31","value":93.18,"profit":true},{"date":"2024-06-30","value":93.18,"profit":true},{"date":"2024-09-30","value":92.1,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income After Taxes	17.50M	18.62M	18.62M	18.34M	17.87M	[{"date":"2023-12-31","value":94.01,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":98.49,"profit":true},{"date":"2024-12-31","value":95.97,"profit":true}]

Income From Continuous Operations	17.02M	17.50M	18.62M	18.34M	17.87M	[{"date":"2023-12-31","value":91.45,"profit":true},{"date":"2024-03-31","value":94.01,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":98.49,"profit":true},{"date":"2024-12-31","value":95.97,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	17.36M	18.62M	18.62M	18.34M	17.87M	[{"date":"2023-12-31","value":93.25,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":98.49,"profit":true},{"date":"2024-12-31","value":95.97,"profit":true}]

EPS (Diluted)	0.36	0.36	0.37	0.37	0.37	[{"date":"2023-12-31","value":97.3,"profit":true},{"date":"2024-03-31","value":97.3,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Total Revenue	-	1.90%	-	0.16%	(1.99%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":8.66,"profit":true},{"date":"2024-12-31","value":-104.46,"profit":false}]
Cost of Revenue	-	(0.02%)	-	2.13%	(3.35%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-1.06,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-157.14,"profit":false}]
Gross Profit	-	4.34%	-	(2.23%)	(0.25%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-51.39,"profit":false},{"date":"2024-12-31","value":-5.69,"profit":false}]
Gross Margin	-	2.40%	-	(2.39%)	1.77%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-99.76,"profit":false},{"date":"2024-12-31","value":73.91,"profit":true}]

Operating Expenses	-	2.18%	-	(2.22%)	(0.26%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-101.7,"profit":false},{"date":"2024-12-31","value":-12.01,"profit":false}]
Operating Income	-	8.41%	-	(2.26%)	(0.22%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-26.83,"profit":false},{"date":"2024-12-31","value":-2.62,"profit":false}]
Total Non-Operating Income/Expense	-	(69.44%)	0.93%	(1.46%)	54.49%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-127.43,"profit":false},{"date":"2024-06-30","value":1.7,"profit":true},{"date":"2024-09-30","value":-2.67,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Pre-Tax Income	-	6.38%	-	(1.45%)	(0.43%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-22.72,"profit":false},{"date":"2024-12-31","value":-6.71,"profit":false}]
Income Taxes	-	6.37%	-	(1.17%)	8.58%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":74.24,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-13.59,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Income After Taxes	-	6.38%	-	(1.51%)	(2.55%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-23.75,"profit":false},{"date":"2024-12-31","value":-40.03,"profit":false}]

Income From Continuous Operations	-	2.80%	6.38%	(1.51%)	(2.55%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":43.84,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":-23.75,"profit":false},{"date":"2024-12-31","value":-40.03,"profit":false}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	-	7.24%	-	(1.51%)	(2.55%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":-20.92,"profit":false},{"date":"2024-12-31","value":-35.25,"profit":false}]

EPS (Diluted)	-	-	2.78%	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Assets
Current Assets	267.36M	300.35M	285.31M	314.90M	335.14M	[{"date":"2020-12-31","value":79.77,"profit":true},{"date":"2021-12-31","value":89.62,"profit":true},{"date":"2022-12-31","value":85.13,"profit":true},{"date":"2023-12-31","value":93.96,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Non-current Assets	446.80M	414.65M	381.44M	374.72M	356.57M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":92.8,"profit":true},{"date":"2022-12-31","value":85.37,"profit":true},{"date":"2023-12-31","value":83.87,"profit":true},{"date":"2024-12-31","value":79.8,"profit":true}]
Total Assets	714.16M	714.99M	666.75M	689.62M	691.71M	[{"date":"2020-12-31","value":99.88,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":93.25,"profit":true},{"date":"2023-12-31","value":96.45,"profit":true},{"date":"2024-12-31","value":96.74,"profit":true}]

Total Liabilities
Current Liabilities	144.78M	151.69M	145.96M	149.12M	149.58M	[{"date":"2020-12-31","value":95.44,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":96.22,"profit":true},{"date":"2023-12-31","value":98.31,"profit":true},{"date":"2024-12-31","value":98.61,"profit":true}]
Non-current Liabilities	185.69M	154.58M	117.94M	90.55M	62.50M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":83.24,"profit":true},{"date":"2022-12-31","value":63.51,"profit":true},{"date":"2023-12-31","value":48.77,"profit":true},{"date":"2024-12-31","value":33.66,"profit":true}]
Total Liabilities	330.47M	306.27M	263.90M	239.68M	212.08M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":92.68,"profit":true},{"date":"2022-12-31","value":79.86,"profit":true},{"date":"2023-12-31","value":72.53,"profit":true},{"date":"2024-12-31","value":64.18,"profit":true}]

Total Shareholders' equity
Common Stock	751.00K	756.00K	756.00K	762.00K	-	[{"date":"2020-12-31","value":98.56,"profit":true},{"date":"2021-12-31","value":99.21,"profit":true},{"date":"2022-12-31","value":99.21,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Retained Earnings	44.64M	71.56M	85.58M	119.88M	160.23M	[{"date":"2020-12-31","value":27.86,"profit":true},{"date":"2021-12-31","value":44.66,"profit":true},{"date":"2022-12-31","value":53.41,"profit":true},{"date":"2023-12-31","value":74.81,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Other Stockholders' Equity	325.27M	331.41M	335.31M	343.89M	479.63M	[{"date":"2020-12-31","value":67.82,"profit":true},{"date":"2021-12-31","value":69.1,"profit":true},{"date":"2022-12-31","value":69.91,"profit":true},{"date":"2023-12-31","value":71.7,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Shareholders' equity	383.69M	408.72M	402.85M	447.27M	479.63M	[{"date":"2020-12-31","value":80,"profit":true},{"date":"2021-12-31","value":85.22,"profit":true},{"date":"2022-12-31","value":83.99,"profit":true},{"date":"2023-12-31","value":93.25,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	714.16M	714.99M	666.75M	686.95M	691.71M	[{"date":"2020-12-31","value":99.88,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":93.25,"profit":true},{"date":"2023-12-31","value":96.08,"profit":true},{"date":"2024-12-31","value":96.74,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Assets
Current Assets	-	12.34%	(5.01%)	10.37%	6.43%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-40.58,"profit":false},{"date":"2023-12-31","value":84.08,"profit":true},{"date":"2024-12-31","value":52.09,"profit":true}]
Non-current Assets	-	(7.20%)	(8.01%)	(1.76%)	(4.84%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":null,"profit":false},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]
Total Assets	-	0.12%	(6.75%)	3.43%	0.30%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":3.4,"profit":true},{"date":"2022-12-31","value":-196.68,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":8.82,"profit":true}]

Total Liabilities
Current Liabilities	-	4.78%	(3.78%)	2.17%	0.31%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-79.16,"profit":false},{"date":"2023-12-31","value":45.42,"profit":true},{"date":"2024-12-31","value":6.44,"profit":true}]
Non-current Liabilities	-	(16.76%)	(23.70%)	(23.22%)	(30.98%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":null,"profit":false},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]
Total Liabilities	-	(7.32%)	(13.84%)	(9.18%)	(11.51%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":null,"profit":false},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]

Total Shareholders' equity
Common Stock	-	0.67%	-	0.79%	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":83.89,"profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Retained Earnings	-	60.29%	19.59%	40.08%	33.67%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":32.49,"profit":true},{"date":"2023-12-31","value":66.48,"profit":true},{"date":"2024-12-31","value":55.84,"profit":true}]
Other Stockholders' Equity	-	1.89%	1.18%	2.56%	39.47%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":4.79,"profit":true},{"date":"2022-12-31","value":2.98,"profit":true},{"date":"2023-12-31","value":6.49,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Shareholders' equity	-	6.52%	(1.44%)	11.03%	7.23%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":59.16,"profit":true},{"date":"2022-12-31","value":-13.02,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":65.62,"profit":true}]

Total Liabilities & Shareholders Equity	-	0.12%	(6.75%)	3.03%	0.69%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":3.85,"profit":true},{"date":"2022-12-31","value":-222.75,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":22.9,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Total Assets
Current Assets	319.37M	308.81M	308.81M	321.39M	335.14M	[{"date":"2023-12-31","value":95.29,"profit":true},{"date":"2024-03-31","value":92.14,"profit":true},{"date":"2024-06-30","value":92.14,"profit":true},{"date":"2024-09-30","value":95.9,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Non-current Assets	364.43M	358.73M	358.73M	361.90M	356.57M	[{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-03-31","value":98.44,"profit":true},{"date":"2024-06-30","value":98.44,"profit":true},{"date":"2024-09-30","value":99.31,"profit":true},{"date":"2024-12-31","value":97.84,"profit":true}]
Total Assets	683.80M	667.54M	667.54M	683.30M	691.71M	[{"date":"2023-12-31","value":98.86,"profit":true},{"date":"2024-03-31","value":96.51,"profit":true},{"date":"2024-06-30","value":96.51,"profit":true},{"date":"2024-09-30","value":98.78,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Liabilities
Current Liabilities	173.76M	142.78M	142.78M	147.30M	149.58M	[{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-03-31","value":82.17,"profit":true},{"date":"2024-06-30","value":82.17,"profit":true},{"date":"2024-09-30","value":84.77,"profit":true},{"date":"2024-12-31","value":86.09,"profit":true}]
Non-current Liabilities	66.54M	65.01M	65.01M	64.69M	62.50M	[{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-03-31","value":97.71,"profit":true},{"date":"2024-06-30","value":97.71,"profit":true},{"date":"2024-09-30","value":97.22,"profit":true},{"date":"2024-12-31","value":93.93,"profit":true}]
Total Liabilities	240.30M	207.79M	207.79M	211.99M	212.08M	[{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-03-31","value":86.47,"profit":true},{"date":"2024-06-30","value":86.47,"profit":true},{"date":"2024-09-30","value":88.22,"profit":true},{"date":"2024-12-31","value":88.26,"profit":true}]

Total Shareholders' equity
Common Stock	443.50M	459.74M	459.74M	-	-	[{"date":"2023-12-31","value":96.47,"profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":100,"profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Retained Earnings	119.88M	-	-	-	160.23M	[{"date":"2023-12-31","value":74.81,"profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Other Stockholders' Equity	443.50M	-	-	468.63M	479.63M	[{"date":"2023-12-31","value":92.47,"profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":97.71,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Shareholders' equity	443.50M	459.74M	459.74M	468.63M	479.63M	[{"date":"2023-12-31","value":92.47,"profit":true},{"date":"2024-03-31","value":95.85,"profit":true},{"date":"2024-06-30","value":95.85,"profit":true},{"date":"2024-09-30","value":97.71,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	683.80M	667.54M	667.54M	680.62M	691.71M	[{"date":"2023-12-31","value":98.86,"profit":true},{"date":"2024-03-31","value":96.51,"profit":true},{"date":"2024-06-30","value":96.51,"profit":true},{"date":"2024-09-30","value":98.4,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Total Assets
Current Assets	-	(3.31%)	-	4.08%	4.28%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-77.28,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":95.25,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Non-current Assets	-	(1.56%)	-	0.88%	(1.47%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-176.89,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-166.73,"profit":false}]
Total Assets	-	(2.38%)	-	2.36%	1.23%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-100.74,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":52.17,"profit":true}]

Total Liabilities
Current Liabilities	-	(17.83%)	-	3.16%	1.55%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-563.28,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":48.95,"profit":true}]
Non-current Liabilities	-	(2.29%)	-	(0.50%)	(3.38%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":null,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]
Total Liabilities	-	(13.53%)	-	2.02%	0.04%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-670.46,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":2.22,"profit":true}]

Total Shareholders' equity
Common Stock	-	3.66%	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Retained Earnings	-	-	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Other Stockholders' Equity	-	-	-	-	2.35%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Shareholders' equity	-	3.66%	-	1.93%	2.35%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":100,"profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":52.81,"profit":true},{"date":"2024-12-31","value":64.08,"profit":true}]

Total Liabilities & Shareholders Equity	-	(2.38%)	-	1.96%	1.63%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-121.35,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":83.16,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	58.26M	80.54M	43.78M	79.42M	82.22M	[{"date":"2020-12-31","value":70.85,"profit":true},{"date":"2021-12-31","value":97.95,"profit":true},{"date":"2022-12-31","value":53.24,"profit":true},{"date":"2023-12-31","value":96.59,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	(127.79M)	125.00K	(12.44M)	-	-	[{"date":"2020-12-31","value":-102230.4,"profit":false},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-9952,"profit":false},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]

Financing Activities
Net Financing Cash Flow	143.32M	(39.96M)	(58.38M)	(43.34M)	(56.28M)	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":-27.88,"profit":false},{"date":"2022-12-31","value":-40.73,"profit":false},{"date":"2023-12-31","value":-30.24,"profit":false},{"date":"2024-12-31","value":-39.27,"profit":false}]

Net Change in Cash	86.27M	37.68M	(29.96M)	(33.57M)	36.97M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":43.68,"profit":true},{"date":"2022-12-31","value":-34.73,"profit":false},{"date":"2023-12-31","value":-38.91,"profit":false},{"date":"2024-12-31","value":42.86,"profit":true}]

Free Cash Flow
Free Cash Flow	47.01M	68.69M	34.73M	70.16M	79.35M	[{"date":"2020-12-31","value":59.25,"profit":true},{"date":"2021-12-31","value":86.58,"profit":true},{"date":"2022-12-31","value":43.77,"profit":true},{"date":"2023-12-31","value":88.42,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	-	38.26%	(45.64%)	81.42%	3.53%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":46.99,"profit":true},{"date":"2022-12-31","value":-56.06,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":4.33,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	(100.10%)	(10052.00%)	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":null,"profit":false},{"date":"2022-12-31","value":null,"profit":false},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]

Financing Activities
Net Financing Cash Flow	-	(127.88%)	46.08%	(25.76%)	29.86%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-277.5,"profit":false},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-55.89,"profit":false},{"date":"2024-12-31","value":64.81,"profit":true}]

Net Change in Cash	-	(56.32%)	(179.50%)	12.05%	(210.14%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-467.24,"profit":false},{"date":"2022-12-31","value":-1489.21,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-1743.42,"profit":false}]

Free Cash Flow
Free Cash Flow	-	46.11%	(49.45%)	102.03%	13.10%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":45.2,"profit":true},{"date":"2022-12-31","value":-48.47,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":12.84,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Operating Activities
Net Operating Cash Flow	18.49M	8.32M	8.32M	13.08M	42.26M	[{"date":"2023-12-31","value":43.75,"profit":true},{"date":"2024-03-31","value":19.7,"profit":true},{"date":"2024-06-30","value":19.7,"profit":true},{"date":"2024-09-30","value":30.96,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	-	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]

Financing Activities
Net Financing Cash Flow	(19.80M)	(16.57M)	(16.57M)	(14.15M)	(2.85M)	[{"date":"2023-12-31","value":-1979600000,"profit":false},{"date":"2024-03-31","value":-1657000000,"profit":false},{"date":"2024-06-30","value":-1657000000,"profit":false},{"date":"2024-09-30","value":-1415400000,"profit":false},{"date":"2024-12-31","value":-285066600,"profit":false}]

Net Change in Cash	(10.03M)	5.96M	5.96M	23.51M	17.54M	[{"date":"2023-12-31","value":-42.66,"profit":false},{"date":"2024-03-31","value":25.34,"profit":true},{"date":"2024-06-30","value":25.34,"profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":74.61,"profit":true}]

Free Cash Flow
Free Cash Flow	16.30M	5.86M	5.86M	10.09M	41.67M	[{"date":"2023-12-31","value":39.12,"profit":true},{"date":"2024-03-31","value":14.07,"profit":true},{"date":"2024-06-30","value":14.07,"profit":true},{"date":"2024-09-30","value":24.21,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '23	Mar '24	Jun '24	Sep '24	Dec '24	TREND
Operating Activities
Net Operating Cash Flow	-	(54.98%)	-	57.18%	222.99%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-24.66,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":25.64,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Investing Activities
Net Investing Cash Flow	-	-	-	-	-	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":"-","profit":true},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]

Financing Activities
Net Financing Cash Flow	-	(16.30%)	-	(14.58%)	(79.86%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":null,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":null,"profit":false},{"date":"2024-12-31","value":null,"profit":false}]

Net Change in Cash	-	(159.41%)	-	294.59%	(25.39%)	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-54.11,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":-8.62,"profit":false}]

Free Cash Flow
Free Cash Flow	-	(64.03%)	-	72.08%	313.07%	[{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-03-31","value":-20.45,"profit":false},{"date":"2024-06-30","value":"-","profit":true},{"date":"2024-09-30","value":23.02,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Ratios

Liquidity

These ratios help you determine the liquidity of the company. Higher is better.

	SPNS
Cash Ratio	1.45
Current Ratio	2.24

Asset Efficiency

These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.

	SPNS
ROA (LTM)	7.77%
ROE (LTM)	15.56%

Liabilities

These ratios help you understand the company's liabilities, gauging the riskiness of the investment.

	SPNS
Debt Ratio Lower is generally better. Negative is bad.	0.31
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier.	0.69

Valuation

These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.

	SPNS
Trailing PE	20.43
Forward PE	29.59
P/S (TTM)	2.77
P/B	2.96
Price/FCF	36
EV/R	2.34
EV/Ebitda	11.98
PEG	5.92

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FAQs

What is Sapiens International Corporation NV share price today?

Sapiens International Corporation NV (SPNS) share price today is $26.36

Can Indians buy Sapiens International Corporation NV shares?

Yes, Indians can buy shares of Sapiens International Corporation NV (SPNS) on Vested. To buy Sapiens International Corporation NV from India, you can open a US Brokerage account on Vested today by clicking on Sign Up or Invest in SPNS stock at the top of this page. The account opening process is completely digital and secure, and takes a few minutes to complete.

Can Fractional shares of Sapiens International Corporation NV be purchased?

Yes, you can purchase fractional shares of Sapiens International Corporation NV (SPNS) via the Vested app. You can start investing in Sapiens International Corporation NV (SPNS) with a minimum investment of $1.

How to invest in Sapiens International Corporation NV shares from India?

You can invest in shares of Sapiens International Corporation NV (SPNS) via Vested in three simple steps:

Click on Sign Up or Invest in SPNS stock at the top of this page
Breeze through our fully digital and secure KYC process and open your US Brokerage account in a few minutes
Transfer USD funds to your US Brokerage account and start investing in Sapiens International Corporation NV shares

What is Sapiens International Corporation NV 52-week high and low stock price?

The 52-week high price of Sapiens International Corporation NV (SPNS) is $39.84. The 52-week low price of Sapiens International Corporation NV (SPNS) is $23.69.

What is Sapiens International Corporation NV price-to-earnings (P/E) ratio?

The price-to-earnings (P/E) ratio of Sapiens International Corporation NV (SPNS) is 19.7209

What is Sapiens International Corporation NV price-to-book (P/B) ratio?

The price-to-book (P/B) ratio of Sapiens International Corporation NV (SPNS) is 2.96

What is Sapiens International Corporation NV dividend yield?

The dividend yield of Sapiens International Corporation NV (SPNS) is 2.31%

What is the Market Cap of Sapiens International Corporation NV?

The market capitalization of Sapiens International Corporation NV (SPNS) is $1.47B

What is Sapiens International Corporation NV’s stock symbol?

The stock symbol (or ticker) of Sapiens International Corporation NV is SPNS