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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	May 14, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	5,646	5,470	5,809	3,583	5,873	5,378
Market Cap Growth	-14.83%	-5.84%	62.11%	-38.99%	9.21%	35.24%
Enterprise Value	5,116	5,022	5,502	3,410	5,774	5,512
Last Close Price	101.70	96.17	100.93	60.42	98.77	89.51
PE Ratio	20.84	20.81	25.83	19.37	40.03	49.53
PS Ratio	2.79	2.77	3.13	2.15	4.10	4.37
PB Ratio	3.20	3.13	3.59	2.53	4.62	4.35
P/TBV Ratio	11.59	8.48	12.42	12.61	29.85	92.45
P/FCF Ratio	17.57	18.93	20.99	24.84	24.60	30.07
P/OCF Ratio	17.02	18.26	20.31	23.28	23.44	28.71
EV/Sales Ratio	2.64	2.54	2.97	2.04	4.03	4.48
EV/EBITDA Ratio	13.40	13.82	16.06	11.70	23.65	27.04
EV/EBIT Ratio	16.62	16.06	19.23	14.58	32.29	36.81
EV/FCF Ratio	15.92	17.38	19.88	23.64	24.19	30.83
Debt / Equity Ratio	0.09	0.13	0.19	0.29	0.36	0.46
Debt / EBITDA Ratio	0.40	0.59	0.85	1.24	1.63	2.33
Debt / FCF Ratio	0.50	0.80	1.13	2.84	1.93	3.19
Asset Turnover	0.78	0.79	0.76	0.69	0.65	0.66
Quick Ratio	1.68	2.24	2.11	1.95	1.98	1.85
Current Ratio	1.68	2.24	2.11	1.96	1.98	1.85
Return on Equity (ROE)	15.88%	15.56%	14.74%	13.04%	11.93%	11.20%
Return on Assets (ROA)	7.74%	7.77%	7.32%	6.01%	5.03%	4.99%
Return on Capital (ROIC)	10.55%	9.93%	9.40%	7.72%	6.42%	6.42%
Return on Capital Employed (ROCE)	16.70%	15.80%	14.70%	12.70%	10.20%	8.20%
Earnings Yield	4.80%	4.81%	3.87%	5.16%	2.50%	2.02%
FCF Yield	5.69%	5.28%	4.76%	4.03%	4.06%	3.33%
Dividend Yield	0.03%	2.23%	1.93%	2.79%	1.48%	1.83%
Payout Ratio	43.74%	44.09%	45.07%	73.35%	-	-
Buyback Yield / Dilution	-0.61%	-0.78%	-0.27%	0.04%	-6.58%	-2.97%
Total Shareholder Return	-0.57%	1.46%	1.66%	2.83%	-5.10%	-1.14%

Updated Feb 18, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.