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Upturn AI SWOT - About
SPNS 
Sapiens International Corporation NV (SPNS)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $29.75
1 Year Target Price $29.75
| 0 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 2 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.35% | Avg. Invested days 69 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.63B USD | Price to earnings Ratio 22.5 | 1Y Target Price 29.75 |
Price to earnings Ratio 22.5 | 1Y Target Price 29.75 | ||
Volume (30-day avg) 5 | Beta 0.97 | 52 Weeks Range 23.69 - 39.84 | Updated Date 06/30/2025 |
52 Weeks Range 23.69 - 39.84 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.09% | Basic EPS (TTM) 1.3 |
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 13.37% | Operating Margin (TTM) 15.57% |
Management Effectiveness
Return on Assets (TTM) 7.74% | Return on Equity (TTM) 15.88% |
Valuation
Trailing PE 22.5 | Forward PE 29.59 | Enterprise Value 1445209463 | Price to Sales(TTM) 3 |
Enterprise Value 1445209463 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 2.66 | Enterprise Value to EBITDA 13.66 | Shares Outstanding 55887200 | Shares Floating 30621594 |
Shares Outstanding 55887200 | Shares Floating 30621594 | ||
Percent Insiders 45.06 | Percent Institutions 38.07 |
Analyst Ratings
Rating 3 | Target Price 29.75 | Buy 1 | Strong Buy - |
Buy 1 | Strong Buy - | ||
Hold 2 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sapiens International Corporation NV
Company Overview
History and Background
Sapiens International Corporation N.V. was founded in 1982. Initially focused on software development tools, Sapiens evolved into a provider of software solutions for the insurance industry. It has grown through strategic acquisitions and organic expansion, becoming a global player in its niche.
Core Business Areas
- Property & Casualty (P&C) Insurance: Provides comprehensive software solutions for P&C insurers, including policy administration, billing, and claims management.
- Life, Annuity, and Pension (L&A) Insurance: Offers software solutions tailored for L&A insurers, covering areas like policy administration, illustrations, and actuarial calculations.
- Reinsurance: Offers platforms for reinsurance companies to manage their complex operations.
Leadership and Structure
Sapiens is led by a CEO and executive team, supported by a board of directors. The company has a global organizational structure with regional offices to serve its international client base.
Top Products and Market Share
Key Offerings
- Sapiens CoreSuite for Insurance: A comprehensive, modular suite for P&C and L&A insurers. Includes policy administration, billing, and claims. Market share data is difficult to isolate for this specific product, but Sapiens is a significant player in the insurance software market. Competitors include Duck Creek Technologies, Guidewire, and Majesco.
- Sapiens ReinsuranceMaster: A dedicated solution for reinsurance management, covering all aspects of reinsurance processing. Sapiens holds a notable position in this niche segment. Key competitors are msg global solutions and DXC Technology.
- Sapiens IDITSuite for Insurance: A digital insurance platform designed to streamline insurance operations and enhance customer experiences, offering functionalities such as policy management, claims processing, and customer relationship management. Competitors include EIS Group and Insurity
Market Dynamics
Industry Overview
The insurance software market is driven by increasing digitalization, regulatory changes, and the need for insurers to improve efficiency and customer experience. Cloud adoption and data analytics are key trends.
Positioning
Sapiens is positioned as a leading provider of software solutions for the insurance industry, with a focus on innovation, customer service, and industry expertise. They have a strong global presence and a comprehensive suite of products.
Total Addressable Market (TAM)
The total addressable market for insurance software is estimated to be in the tens of billions of dollars annually. Sapiens is positioned to capture a portion of this TAM through its specialized offerings and global reach.
Upturn SWOT Analysis
Strengths
- Specialized focus on the insurance industry
- Comprehensive product suite
- Strong global presence
- Established customer base
- Cloud Offerings
Weaknesses
- Smaller size compared to larger competitors
- Dependence on the insurance industry
- Integration challenges with legacy systems
Opportunities
- Expanding into new geographic markets
- Developing new cloud-based solutions
- Acquiring complementary businesses
- Leveraging emerging technologies like AI and blockchain
- Increasing digitalization
Threats
- Intense competition from larger players
- Economic downturn impacting insurance spending
- Rapid technological changes
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- GWRE
- DUCK
- MJCO
Competitive Landscape
Sapiens competes with larger, more established players in the insurance software market. Its strengths include its specialized focus and comprehensive product suite. Its weaknesses include its smaller size and dependence on the insurance industry.
Major Acquisitions
Adaptik Corporation
- Year: 2020
- Acquisition Price (USD millions): 48.6
- Strategic Rationale: Expanded Sapiens' North American presence and added workers' compensation solutions to its portfolio.
TIA Technology
- Year: 2021
- Acquisition Price (USD millions): 90
- Strategic Rationale: Expanded Sapiens' European presence and added more digitalization offerings for the insurance industry.
Growth Trajectory and Initiatives
Historical Growth: Sapiens has experienced steady growth over the past few years, driven by increased demand for its software solutions and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Sapiens, driven by the digitalization of the insurance industry.
Recent Initiatives: Recent initiatives include expanding its cloud offerings, investing in new technologies, and acquiring complementary businesses.
Summary
Sapiens International Corporation is a specialized provider of software solutions for the insurance industry. It benefits from a comprehensive product suite and a strong global presence. However, it faces competition from larger players and needs to navigate economic uncertainties. The company's focus on innovation and strategic acquisitions positions it for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Analyst reports
- Industry reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data can be lagged, and this analysis is not a guarantee of future performance.
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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