Stock Earnings

Question 1

What are Sapiens International Corporation NV's key financial statements?

Accepted Answer

According to the latest financial statement (Form-10K), Sapiens International Corporation NV has a total asset of $691, Net profit of $72

Question 2

What are the key financial ratios for SPNS?

Accepted Answer

Sapiens International Corporation NV's Current ratio is 3.25, has a Net margin is 13.28, sales per share of $9.65.

Question 3

How is Sapiens International Corporation NV's revenue broken down by segment or geography?

Accepted Answer

Sapiens International Corporation NV largest revenue segment is Insurance, at a revenue of 492,747,000 in the most earnings release.For geography, United States is the primary market for Sapiens International Corporation NV, at a revenue of 210,507,000.

Question 4

Is Sapiens International Corporation NV profitable?

Accepted Answer

yes, according to the latest financial statements, Sapiens International Corporation NV has a net profit of $72

Question 5

Does Sapiens International Corporation NV have any liabilities?

Accepted Answer

yes, Sapiens International Corporation NV has liability of 212

Question 6

How many outstanding shares for Sapiens International Corporation NV?

Accepted Answer

Sapiens International Corporation NV has a total outstanding shares of 55.88

Breakdown	TTM	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Revenue	564	542	514	474	461	382
Revenue Growth (YoY)	5%	5%	8%	3%	21%	18%
Cost of Revenue	314	304	294	274	273	226
Gross Profit	250	238	219	200	187	156
Selling, General & Admin	99	85	77	75	76	69
Research & Development	72	66	63	58	54	41
Operating Expenses	172	151	140	133	130	111
Other Non Operating Income (Expenses)	--	0	0	0	--	--
Pretax Income	81	89	77	65	57	41
Income Tax Expense	16	17	14	12	10	7
Net Income	64	72	62	52	47	33
Net Income Growth	-10%	16%	19%	11%	42%	27%
Shares Outstanding (Diluted)	56.43	56.15	55.72	55.6	55.6	52.2
Shares Change (YoY)	0%	1%	0%	0%	7%	3%
EPS (Diluted)	1.14	1.28	1.12	0.95	0.85	0.65
EPS Growth	-10%	15%	18%	12%	31%	25%
Free Cash Flow	70	72	70	34	68	47
Free Cash Flow Per Share	1.24	1.28	1.25	0.61	1.22	0.9
Gross Margin	44.32%	43.91%	42.6%	42.19%	40.56%	40.83%
Operating Margin	13.65%	15.86%	15.17%	13.92%	12.36%	11.78%
Profit Margin	11.34%	13.28%	12.06%	10.97%	10.19%	8.63%
Free Cash Flow Margin	12.41%	13.28%	13.61%	7.17%	14.75%	12.3%
EBITDA	99	106	99	88	85	68
EBITDA Margin	17.55%	19.55%	19.26%	18.56%	18.43%	17.8%
D&A For EBITDA	22	20	21	22	28	23
EBIT	77	86	78	66	57	45
EBIT Margin	13.65%	15.86%	15.17%	13.92%	12.36%	11.78%
Effective Tax Rate	19.75%	19.1%	18.18%	18.46%	17.54%	17.07%

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