Sapiens International Corporation N.V. (TLV: SPNS)

TLV: SPNS Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Jan 21, 2025	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	5,101	5,809	3,583	5,873	5,378	3,976
Market Cap Growth	29.35%	62.11%	-38.99%	9.21%	35.24%	93.35%
Enterprise Value	4,664	5,502	3,410	5,774	5,512	4,154
Last Close Price	91.34	103.53	61.97	101.31	91.82	71.74
PE Ratio	19.25	25.83	19.37	40.03	49.53	43.86
PS Ratio	3.86	3.13	2.15	4.10	4.37	3.53
PB Ratio	4.42	3.58	2.53	4.62	4.35	5.11
P/TBV Ratio	12.95	12.41	12.60	29.85	92.45	-
P/FCF Ratio	27.38	20.99	24.84	24.60	30.07	21.05
P/OCF Ratio	26.42	20.31	23.28	23.44	28.71	17.40
EV/Sales Ratio	2.44	2.97	2.04	4.03	4.48	3.69
EV/EBITDA Ratio	12.52	16.11	11.70	23.65	27.04	23.42
EV/EBIT Ratio	15.52	19.29	14.58	32.29	36.81	31.76
EV/FCF Ratio	16.50	19.88	23.64	24.18	30.82	21.99
Debt / Equity Ratio	0.13	0.19	0.29	0.36	0.46	0.53
Debt / EBITDA Ratio	0.60	0.85	1.24	1.63	2.33	1.98
Debt / FCF Ratio	0.83	1.13	2.84	1.93	3.19	2.20
Asset Turnover	0.81	0.76	0.69	0.65	0.66	0.78
Quick Ratio	2.18	2.11	1.95	1.98	1.85	1.19
Current Ratio	2.18	2.11	1.95	1.98	1.85	1.40
Return on Equity (ROE)	16.04%	14.74%	13.04%	11.93%	11.20%	12.38%
Return on Assets (ROA)	7.93%	7.29%	6.01%	5.03%	4.99%	5.69%
Return on Capital (ROIC)	10.15%	9.37%	7.72%	6.42%	6.42%	7.55%
Earnings Yield	3.43%	3.87%	5.16%	2.50%	2.02%	2.28%
FCF Yield	3.65%	4.76%	4.03%	4.06%	3.33%	4.75%
Dividend Yield	0.02%	1.88%	2.72%	1.44%	1.79%	-
Payout Ratio	41.79%	45.07%	73.35%	-	-	-
Buyback Yield / Dilution	-0.85%	-0.27%	0.04%	-6.58%	-2.97%	-1.09%
Total Shareholder Return	-0.83%	1.61%	2.76%	-5.14%	-1.19%	-1.09%

Source: S&P Capital IQ. Standard template. Financial Sources.