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Complete financial analysis of Sapiens International Corporation N.V. (SPNS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Sapiens International Corporation N.V., a leading company in the Software – Application industry within the Technology sector.
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Sapiens International Corporation N.V. (SPNS)
About Sapiens International Corporation N.V.
Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, the European Union, the United Kingdom, Israel, and internationally. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens ReinsuranceMaster and Sapiens ReinsurancePro reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, and Sapiens ClaimsGo for workers' compensation. In addition, the company offers financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Further, it provides tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. The company markets and sells its products and services through direct and partner sales. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1993 | 1992 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 514.58M | 474.74M | 461.04M | 382.90M | 325.67M | 289.71M | 269.19M | 216.19M | 185.64M | 157.45M | 135.38M | 113.91M | 69.93M | 52.24M | 45.70M | 43.53M | 42.40M | 44.31M | 39.40M | 47.80M | 52.32M | 64.83M | 63.44M | 72.74M | 91.83M | 71.00M | 44.60M | 39.00M | 39.90M | 64.10M | 37.80M |
| Cost of Revenue | 294.99M | 274.57M | 273.19M | 226.93M | 182.66M | 180.14M | 175.68M | 130.40M | 111.19M | 99.10M | 84.97M | 66.46M | 40.07M | 29.92M | 26.57M | 26.46M | 25.58M | 28.80M | 24.85M | 26.76M | 28.61M | 36.11M | 43.57M | 45.17M | 39.82M | 29.20M | 16.40M | 15.10M | 0.00 | 0.00 | 0.00 |
| Gross Profit | 219.59M | 200.16M | 187.84M | 155.97M | 143.01M | 109.57M | 93.52M | 85.79M | 74.44M | 58.36M | 50.41M | 47.45M | 29.86M | 22.31M | 19.12M | 17.08M | 16.81M | 15.51M | 14.56M | 21.04M | 23.71M | 28.72M | 19.87M | 27.58M | 52.01M | 41.80M | 28.20M | 23.90M | 39.90M | 64.10M | 37.80M |
| Gross Profit Ratio | 42.67% | 42.16% | 40.74% | 40.73% | 43.91% | 37.82% | 34.74% | 39.68% | 40.10% | 37.06% | 37.23% | 41.66% | 42.70% | 42.72% | 41.85% | 39.23% | 39.66% | 35.00% | 36.95% | 44.01% | 45.32% | 44.30% | 31.32% | 37.91% | 56.63% | 58.87% | 63.23% | 61.28% | 100.00% | 100.00% | 100.00% |
| Research & Development | 69.25M | 58.66M | 54.01M | 41.36M | 43.04M | 34.41M | 31.96M | 16.49M | 10.24M | 11.35M | 11.85M | 10.17M | 5.01M | 3.29M | 2.74M | 3.88M | 3.50M | 2.45M | 2.72M | 2.53M | 3.66M | 6.02M | 4.50M | 9.10M | 5.02M | 4.10M | 3.30M | 2.40M | 0.00 | 0.00 | 0.00 |
| General & Administrative | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 52.13M | 60.56M | 44.46M | 39.86M | 32.10M | 26.68M | 25.24M | 18.11M | 12.31M | 11.05M | 10.71M | 12.51M | 13.56M | 16.25M | 19.26M | 21.54M | 23.78M | 28.73M | 46.68M | 27.88M | 22.90M | 16.30M | 16.80M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 72.05M | 75.02M | 76.34M | 69.61M | 47.76M | 52.13M | 60.56M | 44.46M | 39.86M | 32.10M | 26.68M | 25.24M | 18.11M | 12.31M | 11.05M | 10.71M | 12.51M | 13.56M | 16.25M | 19.26M | 21.54M | 23.78M | 28.73M | 46.68M | 27.88M | 22.90M | 16.30M | 16.80M | 0.00 | 0.00 | 0.00 |
| Other Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.86M | 5.10M | 3.60M | 2.90M | 0.00 | 0.00 | 0.00 |
| Operating Expenses | 140.73M | 133.67M | 130.36M | 110.97M | 90.81M | 86.55M | 92.51M | 60.95M | 50.09M | 43.45M | 38.52M | 35.41M | 23.12M | 15.60M | 13.78M | 14.59M | 16.02M | 16.01M | 18.97M | 21.79M | 25.20M | 29.80M | 33.23M | 55.78M | 38.77M | 32.10M | 23.20M | 22.10M | 0.00 | 0.00 | 0.00 |
| Cost & Expenses | 435.72M | 408.25M | 403.55M | 337.90M | 273.47M | 266.69M | 268.19M | 191.35M | 161.29M | 142.54M | 123.49M | 101.86M | 63.19M | 45.52M | 40.35M | 41.05M | 41.60M | 44.81M | 43.81M | 48.56M | 53.80M | 65.91M | 76.80M | 100.95M | 78.59M | 61.30M | 39.60M | 37.20M | 0.00 | 0.00 | 0.00 |
| Interest Income | 2.95M | 1.47M | 887.00K | 380.00K | 382.00K | 181.00K | 525.00K | 784.00K | 657.00K | 356.00K | 188.00K | 201.00K | 160.00K | 126.00K | 109.00K | 242.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 340.00K | 1.43M | 3.79M | 3.81M | 3.03M | 3.23M | 1.69M | 556.00K | 299.00K | 132.00K | 157.00K | 225.00K | 189.00K | 364.00K | 880.00K | 867.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation & Amortization | 15.66M | 16.40M | 20.99M | 16.83M | 13.47M | 19.86M | 15.87M | 10.02M | 9.63M | 8.72M | 7.89M | 7.39M | 7.78M | 6.65M | 5.37M | 5.12M | 5.18M | 6.26M | 5.61M | 4.85M | 3.90M | 4.87M | 9.66M | 7.29M | 5.86M | 5.10M | 3.60M | 2.90M | -39.60M | -59.40M | -31.30M |
| EBITDA | 94.86M | 83.52M | 84.12M | 63.62M | 51.34M | 42.88M | 16.87M | 34.86M | 33.98M | 23.62M | 19.77M | 19.80M | 13.69M | 13.10M | 11.06M | 7.85M | 5.97M | 5.76M | 1.20M | 4.09M | 2.42M | 3.78M | -3.70M | -20.92M | 19.11M | 14.80M | 8.56M | 4.70M | 39.90M | 64.10M | 37.80M |
| EBITDA Ratio | 18.43% | 18.69% | 18.69% | 17.86% | 21.91% | 14.80% | 6.27% | 16.13% | 18.30% | 15.00% | 14.60% | 17.06% | 11.00% | 13.19% | 12.26% | 18.03% | 15.93% | 14.77% | 5.67% | 11.60% | 4.16% | 8.39% | -4.79% | -22.96% | 23.24% | 20.70% | 20.40% | 34.62% | 100.00% | 100.00% | 100.00% |
| Operating Income | 78.87M | 66.49M | 57.49M | 45.00M | 52.21M | 23.02M | 1.00M | 24.84M | 24.35M | 14.91M | 11.88M | 12.05M | 5.62M | 6.71M | 5.34M | 2.49M | 797.00K | -1.26M | -5.52M | -1.65M | -1.48M | -1.56M | -13.36M | -39.00M | 13.24M | 9.70M | 5.00M | 1.80M | 39.90M | 64.10M | 37.80M |
| Operating Income Ratio | 15.33% | 14.01% | 12.47% | 11.75% | 16.03% | 7.95% | 0.37% | 11.49% | 13.12% | 9.47% | 8.78% | 10.57% | 8.04% | 12.85% | 11.69% | 5.71% | 1.88% | -2.84% | -14.02% | -3.46% | -2.84% | -2.41% | -21.06% | -53.61% | 14.42% | 13.66% | 11.21% | 4.62% | 100.00% | 100.00% | 100.00% |
| Total Other Income/Expenses | -1.75M | -941.00K | -202.00K | -3.81M | -2.77M | -3.99M | -3.01M | 533.00K | 163.00K | 124.00K | 520.00K | 193.00K | 104.00K | -364.00K | -880.00K | -2.20M | -2.91M | -2.23M | -1.78M | -2.96M | 3.68M | 5.27M | -3.88M | -1.04M | -1.85M | 100.00K | -464.00K | -8.80M | -39.90M | -64.10M | 0.00 |
| Income Before Tax | 77.12M | 65.55M | 57.29M | 41.20M | 49.44M | 19.07M | -2.01M | 25.37M | 24.51M | 15.03M | 12.40M | 12.24M | 5.73M | 6.35M | 4.46M | 281.00K | 2.11M | 3.49M | -7.30M | 4.61M | 2.20M | 3.71M | -17.24M | -40.04M | 11.39M | 9.80M | 4.50M | -7.00M | 0.00 | 0.00 | 0.00 |
| Income Before Tax Ratio | 14.99% | 13.81% | 12.43% | 10.76% | 15.18% | 6.58% | -0.75% | 11.74% | 13.20% | 9.55% | 9.16% | 10.74% | 8.19% | 12.15% | 9.76% | 0.65% | 4.98% | 7.87% | -18.52% | 9.65% | 4.20% | 5.72% | -27.18% | -55.04% | 12.40% | 13.80% | 10.09% | -17.95% | 0.00% | 0.00% | 0.00% |
| Income Tax Expense | 14.25M | 12.62M | 9.96M | 7.04M | 10.30M | 5.07M | -2.56M | 5.77M | 4.21M | 454.00K | 811.00K | 435.00K | -230.00K | 177.00K | 260.00K | 584.00K | 338.00K | 325.00K | 1.80M | 217.00K | -19.00K | 1.41M | 726.00K | -1.95M | -1.68M | 100.00K | 500.00K | 8.40M | 39.60M | 59.40M | 31.30M |
| Net Income | 62.44M | 52.60M | 47.17M | 33.78M | 38.90M | 13.79M | 352.00K | 19.34M | 20.02M | 14.46M | 11.60M | 11.78M | 5.90M | 6.15M | 4.20M | -344.00K | -2.54M | -3.83M | -9.10M | -4.84M | -2.19M | -5.15M | -17.97M | -38.09M | 13.07M | 9.70M | 4.50M | -6.60M | 300.00K | 4.70M | 6.50M |
| Net Income Ratio | 12.13% | 11.08% | 10.23% | 8.82% | 11.94% | 4.76% | 0.13% | 8.94% | 10.78% | 9.19% | 8.57% | 10.34% | 8.43% | 11.78% | 9.19% | -0.79% | -6.00% | -8.63% | -23.09% | -10.13% | -4.18% | -7.95% | -28.33% | -52.36% | 14.23% | 13.66% | 10.09% | -16.92% | 0.75% | 7.33% | 17.20% |
| EPS | 1.13 | 0.95 | 0.86 | 0.66 | 0.52 | 0.28 | 0.01 | 0.40 | 0.42 | 0.31 | 0.29 | 0.29 | 0.21 | 0.28 | 0.19 | -0.02 | -0.14 | -0.29 | -0.76 | -0.43 | -0.20 | -3.55 | -18.73 | -41.86 | 3.05 | 2.40 | 3.50 | -13.12 | 1.00 | 1.90 | 3.45 |
| EPS Diluted | 1.12 | 0.95 | 0.85 | 0.65 | 0.52 | 0.28 | 0.01 | 0.40 | 0.41 | 0.30 | 0.27 | 0.28 | 0.19 | 0.28 | 0.19 | -0.02 | -0.14 | -0.29 | -0.76 | -0.43 | -0.20 | -3.55 | -18.73 | -41.86 | 2.65 | 2.15 | 3.00 | -13.12 | 1.00 | 1.85 | 3.30 |
| Weighted Avg Shares Out | 55.37M | 55.12M | 54.79M | 51.21M | 50.03M | 49.83M | 49.17M | 48.95M | 48.12M | 47.21M | 40.02M | 39.95M | 28.46M | 21.58M | 21.59M | 21.55M | 18.22M | 13.40M | 11.98M | 11.27M | 10.69M | 1.45M | 959.48K | 909.80K | 825.00K | 3.79M | 600.00K | 503.23K | 300.00K | 12.40M | 11.13M |
| Weighted Avg Shares Out (Dil) | 55.72M | 55.57M | 55.59M | 52.16M | 50.65M | 50.11M | 49.93M | 49.78M | 49.33M | 48.64M | 42.32M | 41.67M | 30.76M | 22.18M | 21.59M | 21.55M | 18.22M | 13.40M | 11.98M | 11.27M | 10.69M | 1.45M | 959.48K | 909.80K | 942.86K | 4.23M | 700.00K | 503.23K | 300.00K | 12.40M | 11.13M |
S&P Global Ratings Maalot Confirms Ratings of Sapiens and its Series B Debentures as "ilAA-" with a Stable Outlook/ "ilAA-"
HOLON, Israel , July 11, 2023 /PRNewswire/ -- Sapiens International Corporation (Nasdaq: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that Ma'alot S&P Global (a part of the global rating firm Standard...
Sapiens International Expects Higher Revenue Growth In 2023
Sapiens International Corporation N.V. provides a range of insurance industry software and managed services worldwide. Management has raised its 2023 top-line revenue growth expectation to 7.3%. While that growth would more than double 2022's growth, I'm cautious on its prospects...
Sapiens (SPNS) Rides on Strong DACH Presence & Partner Base
Sapiens (SPNS) is benefiting from a strong presence in DACH countries, a robust portfolio and an expanding clientele.
Sapiens Strengthens Presence in DACH for Further Growth & Expansion Across the Region
Company continues investment in product, sales and support across the DACH region with plans for further widening its product offering to life & annuities HAMBURG, Germany and NEW YORK , June 23, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE:...
Penn National Insurance Partners with Sapiens to Optimize Reinsurance Processes
Penn National Insurance Partners with Sapiens for Greater Reinsurance Modernization and Automation ROCHELLE PARK, N.J. , June 6, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that...
Absa Life Selects Sapiens to Implement and Modernize its Non-Underwritten Life Insurance Systems
Sapiens CoreSuite for Life and Pensions coupled with Sapiens Cloud Services provides a turnkey solution for expanding Absa's life business HOLON, Israel , May 31, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of...
Sapiens Hosted Annual International Client Conference in Barcelona including over 300 participants from 100 insurance companies & partners
HOLON, Israel , May 30, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, hosted its annual International Client Conference in Barcelona on May 22-24. Attendees included insurance...
Sapiens Joins Forces with Microsoft to Leverage Generative AI for Insurers
The integration opens up new market opportunities for insurers worldwide BARCELONA, Spain , May 23, 2023 /PRNewswire/ -- Sapiens International Corporation , (NASDAQ: SPNS) and (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today...
Vietnamese Digital Insurer OPES Chooses Sapiens to Modernize its Core P&C Insurance Systems
Sapiens IDITSuite for Property & Casualty coupled with Sapiens Intelligence provides OPES a turnkey solution for expanding its business HOLON, Israel , May 22, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the...
U.S. Fortune-500 Insurer Chooses Sapiens to Digitally Transform Their Annuity Business
Sapiens IllustrationPro will improve the company's speed-to-market by up to 30% ROCHELLE PARK, N.J. , May 18, 2023 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that an...
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