Sapiens International Corporation N.V. (SPNS)

SPNS Ratios and Metrics

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

Year	Current	2023	2022	2021	2020	2019
Market Capitalization	1,916	1,603	1,019	1,883	1,535	1,150
Market Cap Growth	49.66%	57.38%	-45.90%	22.65%	33.56%	109.46%
Enterprise Value	1,784	1,488	955	1,821	1,530	1,181
PE Ratio	29.19	25.67	19.37	39.92	45.46	43.80
PS Ratio	3.66	3.12	2.15	4.08	4.01	3.53
PB Ratio	4.32	3.56	2.54	4.63	4.02	5.14
P/FCF Ratio	28.61	22.78	29.12	26.92	30.81	23.06
P/OCF Ratio	25.30	20.18	23.27	23.38	26.36	17.38
EV/Sales Ratio	3.40	2.89	2.01	3.95	4.00	3.63
EV/EBITDA Ratio	17.53	14.90	10.80	21.18	22.50	20.80
EV/EBIT Ratio	22.28	18.97	14.44	31.76	34.29	31.38
EV/FCF Ratio	26.65	21.14	27.30	26.03	30.70	23.69
Debt / Equity Ratio	0.15	0.19	0.29	0.36	0.46	0.54
Debt / EBITDA Ratio	0.63	0.87	1.32	1.72	2.61	2.12
Debt / FCF Ratio	0.96	1.24	3.33	2.12	3.56	2.42
Quick Ratio	1.84	2.11	1.95	1.98	1.85	1.40
Current Ratio	1.84	2.11	1.96	1.98	1.85	1.40
Asset Turnover	0.78	0.78	0.71	0.66	0.68	0.74
Interest Coverage	-	44.83	70.30	283.85	11.73	13.59
Return on Equity (ROE)	15.20%	14.60%	13.30%	12.10%	12.30%	12.00%
Return on Assets (ROA)	9.80%	9.40%	7.90%	6.70%	6.00%	5.90%
Return on Capital (ROIC)	12.89%	11.96%	10.37%	8.55%	6.66%	8.28%
Earnings Yield	3.42%	3.89%	5.16%	2.50%	2.20%	2.28%
FCF Yield	3.50%	4.39%	3.43%	3.71%	3.25%	4.34%
Dividend Yield	1.57%	1.80%	3.80%	1.10%	0.50%	1.00%
Payout Ratio	46.15%	45.10%	73.70%	43.00%	20.90%	41.50%
Buyback Yield / Dilution	-0.74%	-0.27%	-0.02%	-6.52%	-2.97%	-1.09%
Total Shareholder Return	0.83%	1.53%	3.78%	-5.42%	-2.47%	-0.09%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).