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Upturn AI SWOT - About
SPNS 
Sapiens International Corporation NV (SPNS)
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Upturn Advisory Summary
08/14/2025: SPNS (1-star) is currently NOT-A-BUY. Pass it for now.
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 -3.66% | Avg. Invested days 73 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.39B USD | Price to earnings Ratio 34.99 | 1Y Target Price 37.25 |
Price to earnings Ratio 34.99 | 1Y Target Price 37.25 | ||
Volume (30-day avg) 5 | Beta 0.94 | 52 Weeks Range 23.69 - 42.76 | Updated Date 08/15/2025 |
52 Weeks Range 23.69 - 42.76 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 1.41% | 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 2025-08-13 | When - | Estimate 0.326 | Actual 0.34 |
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 34.99 | Forward PE 29.59 | Enterprise Value 2355543890 | Price to Sales(TTM) 4.35 |
Enterprise Value 2355543890 | Price to Sales(TTM) 4.35 | ||
Enterprise Value to Revenue 4.29 | Enterprise Value to EBITDA 23.06 | Shares Outstanding 55887200 | Shares Floating 30626525 |
Shares Outstanding 55887200 | Shares Floating 30626525 | ||
Percent Insiders 45.06 | Percent Institutions 36.99 |
Upturn AI SWOT
Sapiens International Corporation NV
Company Overview
History and Background
Sapiens International Corporation NV was founded in 1982 and has evolved from a training and staffing firm to a global provider of software solutions for the insurance industry. Key milestones include strategic acquisitions and expansion into new markets.
Core Business Areas
- Property & Casualty (P&C) Insurance: Offers software solutions for underwriting, policy administration, billing, and claims management for P&C insurers.
- Life, Annuity, and Pension (L&A) Insurance: Provides solutions for policy administration, new business acquisition, and digital engagement for L&A insurers.
- Reinsurance: Offers end-to-end reinsurance management software, from treaty and policy inception to accounting and reporting, across all lines of business.
Leadership and Structure
Sapiens is led by CEO Roni Al-Dor. The company has a global organizational structure with regional offices and a focus on customer success.
Top Products and Market Share
Key Offerings
- Sapiens IDITSuite for P&C: A comprehensive, cloud-based solution for P&C insurers. Competitors include Guidewire, Duck Creek Technologies and Majesco. Market share is estimated in the low single digits globally.
- Sapiens ALIS: A policy administration system for Life, Annuity, and Pension insurers. Competitors include DXC Technology, TCS Bancs and FIS. Market share is estimated in the low single digits globally.
Market Dynamics
Industry Overview
The insurance software market is experiencing growth driven by digital transformation, cloud adoption, and the need for automation. Regulatory compliance and data security are also key drivers.
Positioning
Sapiens positions itself as a provider of innovative and agile solutions for insurers, focusing on digital transformation and customer experience. They compete with larger, more established players.
Total Addressable Market (TAM)
The global insurance software market is estimated to be worth tens of billions of dollars annually. Sapiens has a relatively small market share, indicating substantial growth potential.
Upturn SWOT Analysis
Strengths
- Specialized focus on the insurance industry
- Agile and innovative solutions
- Strong customer relationships
- Cloud-based offerings
Weaknesses
- Smaller size compared to major competitors
- Limited brand recognition outside the insurance industry
- Geographic concentration in certain markets
- Dependence on specific product lines
Opportunities
- Growing demand for digital insurance solutions
- Expansion into new geographic markets
- Acquisition of complementary technologies
- Increased adoption of cloud computing in insurance
Threats
- Intense competition from larger players
- Rapid technological changes
- Economic downturns affecting insurance spending
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- GWRE
- DCT
- MJCO
Competitive Landscape
Sapiens faces intense competition from larger, more established players like Guidewire and Duck Creek Technologies. Its advantages include a specialized focus on insurance and agile solutions.
Major Acquisitions
Adaptik Corp.
- Year: 2014
- Acquisition Price (USD millions): 45.3
- Strategic Rationale: Expanded Sapiens' offerings in the North American P&C insurance market.
Growth Trajectory and Initiatives
Historical Growth: Sapiens has experienced moderate growth in recent years, driven by acquisitions and organic expansion.
Future Projections: Analysts expect Sapiens to continue growing at a moderate pace, driven by the demand for insurance software solutions.
Recent Initiatives: Recent initiatives include expanding cloud-based offerings and strategic acquisitions to broaden product portfolio.
Summary
Sapiens is a specialized insurance software provider showing moderate growth. Its strengths are in cloud offerings and customer relations, but its smaller size compared to competitors can be a weakness. Opportunities lie in digital transformations and market expansions, but threats include competition and rapid technological changes. Recent acquisitions help expand the product line.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Market Research Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information.
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, the Middle East, Africa, the Asia Pacific, and internationally. The company provides various solutions for property and casualty commercial and personal lines, life and pensions, and reinsurance fields. It offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; IDITGo, a pre-configured, data-enriched insurance launch and accelerator platform solutions; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement. The company also 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. The company was founded in 1982 and is headquartered in Holon, Israel.
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