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	Aug 14, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	8,051	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	7,999	5,022	5,502	3,410	5,774	5,512
Last Close Price	143.30	96.17	100.93	60.42	98.77	89.51
PE Ratio	34.95	20.81	25.83	19.37	40.03	49.53
PS Ratio	4.35	2.77	3.13	2.15	4.10	4.37
PB Ratio	4.67	3.13	3.59	2.53	4.62	4.35
P/TBV Ratio	40.40	8.48	12.42	12.61	29.85	92.45
P/FCF Ratio	30.14	18.93	20.99	24.84	24.60	30.07
P/OCF Ratio	28.99	18.26	20.31	23.28	23.44	28.71
EV/Sales Ratio	4.30	2.54	2.97	2.04	4.03	4.48
EV/EBITDA Ratio	22.81	13.82	16.06	11.70	23.65	27.04
EV/EBIT Ratio	29.02	16.06	19.23	14.58	32.29	36.81
EV/FCF Ratio	29.94	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	2.86%	4.81%	3.87%	5.16%	2.50%	2.02%
FCF Yield	3.32%	5.28%	4.76%	4.03%	4.06%	3.33%
Dividend Yield	0.02%	2.23%	1.93%	2.79%	1.48%	1.83%
Payout Ratio	77.85%	44.09%	45.07%	73.35%	-	-
Buyback Yield / Dilution	-0.61%	-0.78%	-0.27%	0.04%	-6.58%	-2.97%
Total Shareholder Return	-0.58%	1.46%	1.66%	2.83%	-5.10%	-1.14%

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