SPNS

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.

Track Record

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Metric	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	542.38M	514.58M	474.74M	461.04M	382.90M	325.67M	289.71M	269.19M	216.19M	185.64M	157.45M	135.38M
Net Income	72.18M	62.44M	52.59M	47.17M	33.77M	26.25M	13.79M	352,000	19.34M	20.02M	14.46M	11.60M
EPS	1.29	1.13	0.95	0.86	0.66	0.52	0.28	0.01	0.40	0.42	0.31	0.29
Free Cash Flow	72.21M	70.16M	34.73M	68.69M	47.01M	49.02M	20.63M	554,000	15.83M	31.59M	N/A	N/A
FCF / Share	1.29	1.27	0.63	1.25	0.92	0.98	0.41	0.01	0.32	0.66	N/A	N/A
Operating CF	82.22M	79.42M	43.78M	80.54M	58.26M	66.16M	27.70M	8.74M	26.04M	40.44M	N/A	N/A
Total Assets	691.71M	689.62M	668.34M	714.99M	714.16M	452.42M	378.87M	371.29M	257.85M	242.27M	N/A	N/A
Total Debt	63.75M	87.05M	116.57M	148.36M	177.17M	120.45M	78.47M	78.28M	14.80M	13.08M	N/A	N/A
Cash & Equiv	163.69M	126.72M	160.28M	190.24M	152.56M	66.30M	64.63M	71.47M	60.91M	54.35M	N/A	N/A
Book Value	479.63M	447.27M	400.50M	406.55M	381.69M	223.82M	202.48M	200.87M	194.39M	181.81M	N/A	N/A
Return on Equity	0.15	0.14	0.13	0.12	0.09	0.12	0.07	0.00	0.10	0.11	N/A	N/A

Metric	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022
Revenue	152.32M	141.60M	136.10M	134.31M	137.03M	136.80M	134.25M	130.86M	130.71M	128.30M	124.72M	119.46M
Net Income	14.30M	14.23M	17.94M	17.87M	18.34M	18.62M	17.36M	16.97M	15.87M	15.40M	14.20M	13.37M
EPS	0.26	0.25	0.32	0.32	0.33	0.33	0.31	0.30	0.29	0.28	0.26	0.24
Free Cash Flow	10.18M	(946,000)	23.04M	39.78M	10.09M	7.87M	16.30M	36.67M	2.63M	12.14M	19.70M	12.57M
FCF / Share	0.18	-0.02	0.41	0.71	0.18	0.14	0.29	0.66	0.05	0.22	0.36	0.23
Operating CF	10.64M	1.87M	25.35M	42.11M	13.08M	8.54M	18.49M	38.65M	3.29M	14.60M	22.19M	14.43M
Total Assets	743.69M	739.64M	713.98M	691.71M	683.30M	667.54M	683.80M	689.62M	650.15M	653.04M	663.32M	668.34M
Total Debt	43.53M	45.38M	43.20M	63.75M	62.97M	63.09M	64.43M	87.05M	87.25M	88.81M	90.86M	116.57M
Cash & Equiv	82.20M	64.54M	143.36M	163.69M	146.15M	122.65M	116.69M	126.72M	97.06M	89.42M	116.65M	160.28M
Book Value	513.47M	498.31M	460.59M	479.63M	471.31M	459.74M	443.50M	447.27M	419.72M	418.68M	417.88M	400.50M
Return on Equity	0.03	0.03	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.03	0.03

SPNS News

Contrasting Code Rebel (OTCMKTS:CDRBQ) and Sapiens International (NASDAQ:SPNS)

Jan 18, 2026 09:44 PM · defenseworld.net