Sapiens International Corporation N.V. (SPNS)

SPNS Ratios and Metrics

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

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 13, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	2,379	1,502	1,613	1,019	1,888	1,673
Market Cap Growth	-13.57%	-6.90%	58.28%	-46.03%	12.88%	45.31%
Enterprise Value	2,350	1,379	1,528	970	1,856	1,715
Last Close Price	42.56	26.18	27.73	17.35	31.39	27.58
PE Ratio	34.88	20.81	25.83	19.37	40.03	49.53
Forward PE	28.72	18.15	20.56	14.48	28.18	30.53
PS Ratio	4.33	2.77	3.13	2.15	4.10	4.37
PB Ratio	4.77	3.13	3.59	2.53	4.62	4.35
P/TBV Ratio	40.22	8.48	12.42	12.61	29.85	92.45
P/FCF Ratio	30.00	18.93	20.99	24.84	24.60	30.07
P/OCF Ratio	28.86	18.26	20.31	23.28	23.44	28.71
PEG Ratio	-	5.50	5.50	5.50	5.50	6.11
EV/Sales Ratio	4.28	2.54	2.97	2.04	4.03	4.48
EV/EBITDA Ratio	24.47	13.82	16.06	11.70	23.65	27.04
EV/EBIT Ratio	28.85	16.06	19.23	14.58	32.29	36.81
EV/FCF Ratio	29.64	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	0.44	0.59	0.85	1.24	1.63	2.33
Debt / FCF Ratio	0.57	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	1.37	2.24	2.11	1.95	1.98	1.85
Current Ratio	1.37	2.24	2.11	1.96	1.98	1.85
Return on Equity (ROE)	14.12%	15.56%	14.74%	13.04%	11.93%	11.20%
Return on Assets (ROA)	7.23%	7.77%	7.32%	6.01%	5.03%	4.99%
Return on Capital (ROIC)	9.42%	9.93%	9.40%	7.72%	6.42%	6.42%
Return on Capital Employed (ROCE)	14.40%	15.80%	14.70%	12.70%	10.20%	8.20%
Earnings Yield	2.87%	4.81%	3.87%	5.16%	2.50%	2.02%
FCF Yield	3.33%	5.28%	4.76%	4.03%	4.06%	3.33%
Dividend Yield	1.41%	2.25%	1.95%	2.77%	1.50%	1.85%
Payout Ratio	77.86%	44.09%	45.07%	73.35%	-	-
Buyback Yield / Dilution	-0.30%	-0.78%	-0.27%	0.04%	-6.58%	-2.97%
Total Shareholder Return	1.11%	1.48%	1.68%	2.80%	-5.08%	-1.13%

Updated Aug 13, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

SEC Filings: 10-K · 10-Q