Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
SPNS 
Sapiens International Corporation NV (SPNS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/15/2025: SPNS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $37.25
1 Year Target Price $37.25
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.1% | Avg. Invested days 67 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.41B USD | Price to earnings Ratio 35.32 | 1Y Target Price 37.25 |
Price to earnings Ratio 35.32 | 1Y Target Price 37.25 | ||
Volume (30-day avg) 5 | Beta 0.93 | 52 Weeks Range 23.69 - 43.18 | Updated Date 10/17/2025 |
52 Weeks Range 23.69 - 43.18 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 1.39% | Basic EPS (TTM) 1.22 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 12.45% | Operating Margin (TTM) 11.86% |
Management Effectiveness
Return on Assets (TTM) 7.23% | Return on Equity (TTM) 14.12% |
Valuation
Trailing PE 35.32 | Forward PE 29.59 | Enterprise Value 2375122397 | Price to Sales(TTM) 4.39 |
Enterprise Value 2375122397 | Price to Sales(TTM) 4.39 | ||
Enterprise Value to Revenue 4.33 | Enterprise Value to EBITDA 23.26 | Shares Outstanding 55900637 | Shares Floating 30629320 |
Shares Outstanding 55900637 | Shares Floating 30629320 | ||
Percent Insiders 45.06 | Percent Institutions 36.83 |
Upturn AI SWOT
Sapiens International Corporation NV
Company Overview
History and Background
Sapiens International Corporation N.V. was founded in 1982. Originally part of the Formula Group, it became an independent company in 2000, focusing on providing software solutions for the insurance industry. They have grown through organic expansion and strategic acquisitions.
Core Business Areas
- Insurance Software: Offers comprehensive software solutions for the insurance industry, including policy administration, claims management, and digital platforms.
- Financial Services Software: Provides solutions for the financial services sector, including banking and capital markets.
Leadership and Structure
The leadership team consists of seasoned executives with experience in the software and insurance industries. The company has a global structure with regional offices and a focus on customer-centricity.
Top Products and Market Share
Key Offerings
- Sapiens ALIS: A comprehensive life insurance policy administration system. It helps insurance companies manage policies, claims, and customer interactions. Market share information is difficult to pinpoint precisely, but Sapiens is considered a leading provider in the life insurance policy administration space. Competitors include DXC Technology, TCS BaNCS, and FIS.
- Sapiens IDITSuite: A modular, cloud-based software suite for property and casualty (P&C) insurers. It handles policy administration, billing, and claims. Sapiens holds a significant share in the P&C market, with growth opportunities in the cloud migration trend. Competitors include Guidewire, Duck Creek Technologies, and Insurity.
Market Dynamics
Industry Overview
The insurance software industry is undergoing digital transformation, with insurers increasingly adopting cloud-based solutions and AI-powered analytics. The demand for streamlined policy administration and improved customer experience is driving growth.
Positioning
Sapiens is positioned as a leading provider of insurance software solutions, offering a comprehensive suite of products and services. Its competitive advantages include its industry expertise, global presence, and commitment to innovation.
Total Addressable Market (TAM)
The TAM for insurance software is estimated to be in the tens of billions of dollars annually. Sapiens is positioned to capture a significant portion of this market with its comprehensive suite of solutions.
Upturn SWOT Analysis
Strengths
- Strong industry expertise
- Comprehensive product suite
- Global presence
- Established customer base
- Cloud offerings
Weaknesses
- Integration complexities with legacy systems
- Competition from larger players
- Dependence on the insurance industry
- Potential for project delays
Opportunities
- Growing demand for cloud-based solutions
- Expansion into new markets
- Acquisition of complementary technologies
- Increased adoption of AI and automation
Threats
- Intense competition
- Technological disruption
- Economic downturn
- Cybersecurity risks
- Changes in regulatory environment
Competitors and Market Share
Key Competitors
- GWRE
- DCT
- FIS
Competitive Landscape
Sapiens holds a strong position due to specialized products and global presence. However, competitors like GWRE have larger resources. Sapiens focuses on innovation and customer service to maintain its competitive edge.
Major Acquisitions
TIA Technology
- Year: 2021
- Acquisition Price (USD millions): 92
- Strategic Rationale: Expand its presence in the European market and enhance its digital capabilities for the insurance industry.
Growth Trajectory and Initiatives
Historical Growth: Sapiens has experienced consistent growth in revenue and profitability over the past years, driven by its strong market position and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Sapiens, driven by the increasing demand for insurance software solutions and the company's expansion into new markets.
Recent Initiatives: Recent initiatives include the launch of new cloud-based products, expansion into new geographic regions, and strategic acquisitions to strengthen its product portfolio.
Summary
Sapiens is a strong player in the insurance software market, benefiting from its industry expertise and comprehensive product suite. Its cloud offerings and global presence are working well, but they face intense competition. Sapiens needs to focus on integrating acquisitions and continuing innovation to maintain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market conditions and company performance are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sapiens International Corporation NV
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 1992-05-29 | President, CEO & Director Mr. Roni Al-Dor | ||
Sector Technology | Industry Software - Application | Full time employees 4850 | Website https://www.sapiens.com |
Full time employees 4850 | Website https://www.sapiens.com | ||
Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe and internationally. The company provides various solutions for property and casualty, life and pensions, and reinsurance fields. It also offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement. In addition, the company provides CoreSuite, an end-to-end cloud and digital PAS for individual and group products across life, health, wealth, and pensions; CustomerConnect, a dynamic self-service and persona-based portal to engage with insureds; AgentConnect, a portal for agents and brokers to focus on sales enablement, customer retention, and increasing customer value; and ReinsuranceMaster, a reinsurance automation software that provides insurers full financial control and flexibility over their entire reinsurance process. Sapiens International Corporation N.V. was founded in 1982 and is headquartered in Holon, Israel.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.