SPNS Financials: Sapiens International Corporation NV AI Analysis

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Financials

SPNS Financial

Sapiens International Corporation NV

0%

$0

As of today:May 14, 12:05:18 GMT-4

Overview Forecast Earnings Dividends Financials

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

1.61%

EPS (TTM)

Market Cap

What is SPNS?

Sapiens International Corp. NV provides software solutions for the insurance industry. The firm develops and maintains software for insurance companies, that helps resolving various general and market specific tasks related to the insurance sector. The firm's software is using artificial intelligence (AI) as well as advanced automation to resolve the tasks. The firm's software helps in a range of tasks such as: supporting core solutions for property and casualty, maintenance of workers compensation, financial and compliance, data and analytics, and decision management besides others. The firm is cooperating with specialists in information technology (IT) as well as insurance sectors.

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Breakdown	TTM	09/30/2025	06/30/2025	03/31/2025	12/31/2024	09/30/2024
Revenue	564	152	141	136	134	137
Revenue Growth (YoY)	5%	11%	4%	1%	3%	5%
Cost of Revenue	314	85	79	75	74	76
Gross Profit	250	67	61	60	60	60
Selling, General & Admin	99	28	26	23	21	22
Research & Development	72	21	18	16	16	16
Operating Expenses	172	49	45	39	38	38
Other Non Operating Income (Expenses)	--	--	--	--	--	--
Pretax Income	81	17	18	22	22	22
Income Tax Expense	16	3	3	4	4	4
Net Income	64	14	14	17	17	18
Net Income Growth	-10%	-22%	-22%	0%	6%	20%
Shares Outstanding (Diluted)	56.43	56.43	56.07	56.02	56.16	56.3
Shares Change (YoY)	0%	0%	0%	0%	0%	1%
EPS (Diluted)	1.14	0.25	0.25	0.32	0.31	0.32
EPS Growth	-10%	-22%	-23%	3%	5%	16%
Free Cash Flow	70	8	0	23	39	10
Free Cash Flow Per Share	--	--	--	--	--	--
Gross Margin	44.32%	44.07%	43.26%	44.11%	44.77%	43.79%
Operating Margin	13.65%	11.18%	11.34%	15.44%	15.67%	15.32%
Profit Margin	11.34%	9.21%	9.92%	12.5%	12.68%	13.13%
Free Cash Flow Margin	12.41%	5.26%	0%	16.91%	29.1%	7.29%
EBITDA	99	23	22	25	25	26
EBITDA Margin	17.55%	15.13%	15.6%	18.38%	18.65%	18.97%
D&A For EBITDA	22	6	6	4	4	5
EBIT	77	17	16	21	21	21
EBIT Margin	13.65%	11.18%	11.34%	15.44%	15.67%	15.32%
Effective Tax Rate	19.75%	17.64%	16.66%	18.18%	18.18%	18.18%

Breakdown

TTM

09/30/2025

06/30/2025

03/31/2025

12/31/2024

09/30/2024

Revenue

564

152

141

136

134

137

Revenue Growth (YoY)

11%

Cost of Revenue

314

Gross Profit

250

Selling, General & Admin

Research & Development

Operating Expenses

172

Other Non Operating Income (Expenses)

Pretax Income

Income Tax Expense

Net Income

Net Income Growth

-10%

-22%

20%

Shares Outstanding (Diluted)

56.43

56.07

56.02

56.16

56.3

Shares Change (YoY)

EPS (Diluted)

1.14

0.25

0.32

0.31

0.32

EPS Growth

-10%

-22%

-23%

16%

Free Cash Flow

Free Cash Flow Per Share

Gross Margin

44.32%

44.07%

43.26%

44.11%

44.77%

43.79%

Operating Margin

13.65%

11.18%

11.34%

15.44%

15.67%

15.32%

Profit Margin

11.34%

9.21%

9.92%

12.5%

12.68%

13.13%

Free Cash Flow Margin

12.41%

5.26%

16.91%

29.1%

7.29%

EBITDA

EBITDA Margin

17.55%

15.13%

15.6%

18.38%

18.65%

18.97%

D&A For EBITDA

EBIT

EBIT Margin

13.65%

11.18%

11.34%

15.44%

15.67%

15.32%

Effective Tax Rate

19.75%

17.64%

16.66%

18.18%

Follow-Up Questions

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

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According to the latest financial statement (Form-10K), Sapiens International Corporation NV has a total asset of $0, Net loss of $0

What are the key financial ratios for SPNS?

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Sapiens International Corporation NV's Current ratio is 0, has a Net margin is 0, sales per share of $0.

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

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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.

Is Sapiens International Corporation NV profitable?

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no, according to the latest financial statements, Sapiens International Corporation NV has a net loss of $0

Does Sapiens International Corporation NV have any liabilities?

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no, Sapiens International Corporation NV has liability of 0

How many outstanding shares for Sapiens International Corporation NV?

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Sapiens International Corporation NV has a total outstanding shares of 0

Sapiens International Corporation NV (SPNS) Financial

SPNS Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is SPNS?

Sapiens International Corporation NV (SPNS) Financial

SPNS Stock Price Chart

Key Stats

Prev.Close

Open

Day's Range

52 week range

Volume

Avg.Volume

Dividend yield

EPS (TTM)

Market Cap

What is SPNS?

SPNS Income

Follow-Up Questions

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

What are the key financial ratios for SPNS?

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

Is Sapiens International Corporation NV profitable?

Does Sapiens International Corporation NV have any liabilities?

How many outstanding shares for Sapiens International Corporation NV?