Sapiens International Corporation N.V. (SPNS)

SPNS Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Revenue Revenue Growth	564.33	542.38	514.58	474.74	461.04	382.9
Revenue Growth	4.71%	5.40%	8.39%	2.97%	20.41%	17.57%
Gross Profit Gross Profit Growth	250.01	238.11	219.59	200.16	187.84	155.97
Operating Income Operating Income Growth	77.45	85.85	79.47	66.49	57.49	46.58
Net Income Net Income Growth	64.34	72.18	62.44	52.6	47.17	33.78
Earnings Per Share EPS Growth	1.15	1.29	1.12	0.95	0.85	0.65
EPS Growth	-9.45%	15.18%	17.89%	11.77%	30.77%	25.00%

Revenue by Segment

Fiscal Year	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Insurance Insurance Growth	492.75	-	-	-	-
All Other All Other Growth	22.06	-	-	-	-
Unallocated Unallocated Growth	-0.22	-	-	-	-
Software Solutions Software Solutions Growth	-	474.74	461.04	382.9	325.67

Cash & Debt

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Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Investments Cash & Investments Growth	82.2	216.19	202.12	180.29	210.24	182.56
Total Debt Total Debt Growth	43.54	63.75	87.05	116.57	148.36	177.17
Net Cash (Debt) Net Cash Growth	38.67	152.44	115.07	63.72	61.88	5.39
Net Cash Growth	-68.56%	32.48%	80.59%	2.97%	1047.68%	-
Net Cash Per Share Net Cash Per Share Growth	0.69	2.71	2.07	1.15	1.11	0.10

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Operating Cash Flow Operating Cash Flow Growth	79.98	82.23	79.43	43.78	80.54	58.26
Capital Expenditures CapEx Growth	-2.44	-2.88	-2.57	-2.76	-3.79	-2.63
Free Cash Flow Free Cash Flow Growth	77.54	79.35	76.85	41.02	76.76	55.62
Free Cash Flow Growth	1.99%	3.25%	87.34%	-46.55%	38.00%	1.72%

Margins

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Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Gross Margin	44.30%	43.90%	42.67%	42.16%	40.74%	40.73%
Operating Margin	13.72%	15.83%	15.44%	14.01%	12.47%	12.16%
Pretax Margin	14.38%	16.56%	14.99%	13.81%	12.43%	10.76%
Profit Margin	11.40%	13.31%	12.13%	11.08%	10.23%	8.82%
FCF Margin	13.74%	14.63%	14.94%	8.64%	16.65%	14.53%

Dividends

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Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 28, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Dividend Per Share Dividend Per Share Growth	0.600	0.590	0.540	0.480	0.470	0.510
Dividend Per Share Growth	75.93%	9.26%	12.50%	2.13%	-7.84%	-
Dividend Yield	1.38%	2.25%	1.95%	2.77%	1.50%	1.85%

Valuation

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Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jul 28, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
PE Ratio	37.78	20.81	25.83	19.37	40.03	49.53
Forward PE	28.49	18.15	20.56	14.48	28.18	30.53
P/FCF Ratio	31.32	18.93	20.99	24.84	24.60	30.07
PS Ratio	4.31	2.77	3.13	2.15	4.10	4.37

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2025

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Jan 1, 2000

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