Sapiens International Corp NV chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 8.62
Dividend & Yield0.70$ (3.70%)
Beta 1.28
Market capitalization 1.11B
Operating cash flow 56.74M
ESG Scores unknown

Company description

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.

Sector: Technology - Industry: Software—Application

Financial Ratios
Quick Ratio1.98
Working Capital0.32
Return On Equity0.12
Debt To Equity0.19
Fixed Asset Ratio0.15
Fixed Interest Cover15.15

Financial data

Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities -1.09M -5.17M 1.63M 2.5M
Total Cashflows From Investing Activities -25.58M -41.87M -127.79M 125k
Net Borrowings -237k -9.9M 50.45M -19.8M
Total Cash From Financing Activities -9.43M -20.65M 156.51M -39.96M
Change To Operating Activities 378k 13.65M -265k 9.79M
Issuance Of Stock 895k 780k 113.79M 2.04M
Net Income 13.79M 26.25M 33.77M 47.17M
Change In Cash -6.84M 1.67M 86.27M 37.68M
Effect Of Exchange Rate 470k -1.97M -707k -3.02M
Total Cash From Operating Activities 27.7M 66.16M 58.26M 80.54M
Depreciation 15M 13.47M 16.82M 20.99M
Change To Account Receivables -7.59M 10.51M -5.17M -13.94M
Other Cashflows From Financing Activities -108k -523k -685k -1.95M
Change To Netincome 2.16M 1.61M 4.76M 6.24M
Capital Expenditures -1.91M -11.47M -2.63M -3.79M

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development 34.41M 37.38M 41.36M 54.01M
Income Before Tax 19.03M 35.1M 41.2M 57.29M
Net Income 13.79M 26.25M 33.77M 47.17M
Selling General Administrative 52.13M 54.27M 68.03M 76.34M
Gross Profit 109.57M 129.52M 155.97M 187.84M
Ebit 23.02M 37.87M 46.58M 57.49M
Operating Income 23.02M 37.87M 46.58M 57.49M
Interest Expense -3.23M -3.03M -4.3M -3.79M
Income Tax Expense 5.03M 8.61M 7.04M 9.96M
Total Revenue 289.71M 325.67M 382.9M 461.04M
Cost Of Revenue 180.14M 196.15M 226.93M 273.19M
Total Other Income ExpenseNet -3.99M -2.77M -5.38M -202k
Net Income From Continuing Ops 14M 26.49M 34.16M 47.32M
Net Income Applicable To Common Shares 13.79M 26.25M 33.77M 47.17M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 176.38M 226.92M 329.95M 306.17M
Total Stockholder Equity 201.04M 223.82M 381.69M 406.55M
Other Current Liabilities 18.06M 21.09M 35.26M 39.61M
Total Assets 378.87M 452.42M 714.16M 714.99M
Common Stock 695k 697k 751k 756k
Other Current Assets 22.89M 188k
Retained Earnings 2.67M 17.91M 44.64M 71.56M
Treasury Stock -17.24M -11.8M 1.6M -6.6M
Cash 64.63M 66.3M 152.56M 190.24M
Total Current Liabilities 81.1M 104.91M 144.78M 151.69M
Other Stockholder Equity -7.82M -2.38M 11.03M 2.82M
Property, Plant, and Equipment 8.52M 66.14M 71.36M 58.12M
Total Current Assets 130.01M 147.22M 267.36M 300.35M
Net Tangible Assets -30.3M -4.87M 18.09M 63.27M
Net Receivables 65.38M 58.04M 84.8M 89.91M
Accounts Payable 6.15M 5.11M 5.39M 5.01M


Insider Transactions

Here are the insider transactions of stock shares related to Sapiens International Corp NV:

Filer Name Transaction Text Ownership Date Filer Relation Shares
NO DATA

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to Sapiens International Corp NV. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on Sapiens International Corp NV

Here is the result of two systematic investment strategies applied to Sapiens International Corp NV. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on Sapiens International Corp NV

The following chart shows the equity curve of the two systematic investment strategies applied to Sapiens International Corp NV:

Sapiens International Corp NV automated entries

The systematic investment strategy that buys the first day of the month would give a performance of 62.82% on the backtest period.

Performance at glance

Performance

62.82 %

Latent gain

1420.38 $

Invested capital

2261.18 $

Annualized return

15.17 %
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Momentum strategy results on Sapiens International Corp NV

This is the result of two momentum investment strategies applied to Sapiens International Corp NV. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on Sapiens International Corp NV

The following chart shows all the entries opened by the momentum investment system on Sapiens International Corp NV:

Sapiens International Corp NV momentum entries
  • The first momentum investment strategy would give 80.28% of return on Sapiens International Corp NV. That represents 3239.22$ of latent gain with 4034.83$ of employed capital.
  • The second momentum investment strategy would give 102.11% of return on Sapiens International Corp NV. That represents 2549.97$ of latent gain with 2497.33$ of employed capital.
Performance at glance (1Q Momentum)

Performance

80.28 %

Latent gain

3239.22 $

Invested capital

4034.83 $

Annualized return

8.59 %
Performance at glance (2Q Momentum)

Performance

102.11 %

Latent gain

2549.97 $

Invested capital

2497.33 $

Annualized return

27.9 %

Momentum equity curve on Sapiens International Corp NV

The following chart shows the equity curve of the two momentum strategies applied to Sapiens International Corp NV:

Sapiens International Corp NV momentum equity

Note: the dividends potentially given by Sapiens International Corp NV are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Sapiens International Corp NV

The following chart shows the employed capital evolution of the two momentum strategies on Sapiens International Corp NV since the beginning:

Sapiens International Corp NV

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Buy the dip strategy result on Sapiens International Corp NV

Buy the dip entry openings on Sapiens International Corp NV

Sapiens International Corp NV

The performance achieved by the robo-advisor on Sapiens International Corp NV is 18.38%. That represents 225.86$ of latent gain with 1228.95$ of employed capital. The following chart shows Sapiens International Corp NV stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of Sapiens International Corp NV, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

18.38 %

Latent gain

225.86 $

Invested capital

1228.95 $

Annualized return

8.59 %

Equity curve of the strategy applied to Sapiens International Corp NV

The following chart shows the result of the investment strategy applied to Sapiens International Corp NV:

Sapiens International Corp NV

Note: the dividends potentially given by Sapiens International Corp NV are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on Sapiens International Corp NV

The following chart shows the employed capital evolution since the beginning of the investment strategy on Sapiens International Corp NV:

Sapiens International Corp NV

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on Sapiens International Corp NV

In this section, I will compare the three previous investment strategies applied to Sapiens International Corp NV.

Equity curve comparison on Sapiens International Corp NV

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

Sapiens International Corp NV investment strategy comparison

Employed capital comparison on Sapiens International Corp NV

Sapiens International Corp NV investment comparison

Performance comparison on Sapiens International Corp NV

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment 62.82% 1420.38$ 2261.18$ 15.17%
Momentum 1 quarter 80.28% 3239.22$ 4034.83$ 20.58%
Momentum 2 quarters 102.11% 2549.97$ 2497.33$ 27.9%
Non-directional 18.38% 225.86$ 1228.95$ 8.59%
Annualized return comparison

Automatic investment

15.17 %

Momentum 1Q

27.9 %

Momentum 2Q

27.9 %

Non-directional

8.59 %

Correlated stocks

Here are the most positively and negatively correlated stocks with Sapiens International Corp NV:

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

  • CHINA PARTYTIME
  • MINMETALS LAND

  • Note: The algorithm computes the probability of correlation between Sapiens International Corp NV and the other stocks. There may be false positives or some missing correlated stocks. If the price of Sapiens International Corp NV does not vary for 36 weeks, the correlation calculation result will be wrong.


    Company information

    Company name Sapiens International Corp NV
    Country Israel
    City Holon
    Address Azrieli Center
    Phone 972 3 790 2000
    Website www.sapiens.com
    FullTime employees 4044
    Industry Software—Application
    Sector Technology
    Exchange XNAS
    Ticker SPNS
    Market www.nasdaq.com

    Sapiens International Corp NV ESG Scores

    Environment scores

    Environment ESG Factors Scores
    Environment Score 0
    Peer Environment Performance unknown
    Environment Percentile unknown
    Palm Oil unknown
    Nuclear unknown
    Fur Leather unknown
    GMO unknown
    Coal unknown
    Pesticides unknown
    Animal Testing unknown

    Social scores

    Social ESG Factors Scores
    Social Score 0
    Peer Social Performance unknown
    Social Percentile unknown
    Highest Controversy unknown
    Peer Highest Controversy Performance unknown
    Adult unknown
    Gambling unknown
    Alcoholic unknown
    Tobacco unknown
    Catholic unknown
    Controversial Weapons unknown
    Small Arms unknown
    Military Contract unknown
    Peer Count unknown

    Related Controversy:


    Governance scores

    Governance ESG Factors Scores
    Governance Score 0
    Peer Governance Performance unknown
    Governance Percentile unknown

    ESG at glance
    Total ESG Scores: unknown
    Environment Score: 0
    Social Score: 0
    Governance Score: 0

    ESG Performance: unknown

    Peer Group: unknown

    Peer Esg Score Performance: unknown

    Rating Year: unknown

    Rating Month: unknown

    Max Age: unknown

    Percentile: unknown