Sapiens International Corporation N.V. (FRA:S3P)

FRA:S3P Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 26, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	2,081	1,450	1,459	953	1,660	1,367
Market Cap Growth	40.67%	-0.60%	53.04%	-42.57%	21.42%	33.30%
Enterprise Value	2,060	1,332	1,382	907	1,632	1,402
Last Close Price	37.20	25.15	25.31	16.25	27.70	21.98
PE Ratio	37.95	20.81	25.83	19.37	40.03	49.53
PS Ratio	4.33	2.77	3.13	2.15	4.10	4.37
PB Ratio	4.63	3.13	3.59	2.53	4.62	4.35
P/TBV Ratio	29.57	8.48	12.42	12.61	29.85	92.45
P/FCF Ratio	31.49	18.93	20.99	24.84	24.60	30.07
P/OCF Ratio	30.53	18.26	20.31	23.28	23.44	28.71
EV/Sales Ratio	4.24	2.54	2.97	2.04	4.03	4.48
EV/EBITDA Ratio	23.69	13.82	16.06	11.70	23.65	27.04
EV/EBIT Ratio	30.92	16.06	19.23	14.58	32.29	36.81
EV/FCF Ratio	31.17	17.38	19.88	23.64	24.19	30.83
Debt / Equity Ratio	0.08	0.13	0.19	0.29	0.36	0.46
Debt / EBITDA Ratio	0.43	0.59	0.85	1.24	1.63	2.33
Debt / FCF Ratio	0.56	0.80	1.13	2.84	1.93	3.19
Asset Turnover	0.79	0.79	0.76	0.69	0.65	0.66
Quick Ratio	1.52	2.24	2.11	1.95	1.98	1.85
Current Ratio	1.52	2.24	2.11	1.96	1.98	1.85
Return on Equity (ROE)	12.95%	15.56%	14.74%	13.04%	11.93%	11.20%
Return on Assets (ROA)	6.78%	7.77%	7.32%	6.01%	5.03%	4.99%
Return on Capital (ROIC)	8.76%	9.93%	9.40%	7.72%	6.42%	6.42%
Return on Capital Employed (ROCE)	13.40%	15.80%	14.70%	12.70%	10.20%	8.20%
Earnings Yield	2.63%	4.81%	3.87%	5.16%	2.50%	2.02%
FCF Yield	3.18%	5.28%	4.76%	4.03%	4.06%	3.33%
Dividend Yield	1.62%	2.27%	1.93%	2.76%	1.49%	1.90%
Payout Ratio	60.73%	44.09%	45.07%	73.35%	-	-
Buyback Yield / Dilution	-0.21%	-0.78%	-0.27%	0.04%	-6.58%	-2.97%
Total Shareholder Return	1.42%	1.49%	1.66%	2.80%	-5.09%	-1.08%

Source: S&P Global Market Intelligence. Standard template. Financial Sources.