Sapiens International Corporation NV (SPNS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Sapiens International Corporation NV stock (SPNS) is currently trading at $43.45. Sapiens International Corporation NV PE ratio is 37.78. Sapiens International Corporation NV PS ratio (Price-to-Sales) is 4.30. Analyst consensus price target for SPNS is $37.25. WallStSmart rates SPNS as Sell.
- SPNS PE ratio analysis and historical PE chart
- SPNS PS ratio (Price-to-Sales) history and trend
- SPNS intrinsic value — DCF, Graham Number, EPV models
- SPNS stock price prediction 2025 2026 2027 2028 2029 2030
- SPNS fair value vs current price
- SPNS insider transactions and insider buying
- Is SPNS undervalued or overvalued?
- Sapiens International Corporation NV financial analysis — revenue, earnings, cash flow
- SPNS Piotroski F-Score and Altman Z-Score
- SPNS analyst price target and Smart Rating
Sapiens International Corporation NV
📊 No data available
Try selecting a different time range
SPNS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Sapiens International Corporation NV (SPNS)
SPNS trades 456% above its Graham fair value of $7.82, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Sapiens International Corporation NV (SPNS) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Concerns around peg ratio and eps growth. Mixed signals suggest waiting for clearer direction before acting.
Sapiens International Corporation NV (SPNS) Key Strengths (1)
Mid-cap company balancing growth potential with stability
Sapiens International Corporation NV (SPNS) Areas to Watch (9)
Earnings declining -23.80%, profits shrinking
Very expensive relative to growth, significant premium
Thin operating margins with cost pressures present
Premium valuation at 4.3x annual revenue
Premium pricing at 4.7x book value
Moderate profitability with room for improvement
Solid revenue growth at 11.20% per year
Decent profitability, keeps $11 per $100 revenue
Moderate institutional interest at 44.67%
Supporting Valuation Data
Sapiens International Corporation NV (SPNS) Detailed Analysis Report
Overall Assessment
This company scores 43/100 in our Smart Analysis, earning a D grade. Out of 10 metrics analyzed, 1 register as strengths (avg 7.0/10) while 9 fall into concern territory (avg 4.1/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Market Cap.
The Bear Case
The primary concerns are EPS Growth, PEG Ratio, Operating Margin. Some valuation metrics including PEG Ratio (5.92), Price/Sales (4.30), Price/Book (4.73) suggest expensive pricing. Growth concerns include Revenue Growth at 11.20%, EPS Growth at -23.80%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.00%, Operating Margin at 11.70%, Profit Margin at 11.40%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.00% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.20% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and PEG Ratio are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
SPNS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
SPNS's Price-to-Sales ratio of 2.16x trades 22% below its historical average of 2.79x (27th percentile). The current valuation is 53% below its historical high of 4.57x set in Feb 2011, and 97% above its historical low of 1.1x in Feb 2009.
Compare SPNS with Competitors
Top SOFTWARE - APPLICATION stocks by market cap
Compare any two stocks →WallStSmart Analysis Synopsis
Data-driven financial summary for Sapiens International Corporation NV (SPNS) · TECHNOLOGY › SOFTWARE - APPLICATION
The Big Picture
Sapiens International Corporation NV operates as a stable business with moderate growth and solid fundamentals. Revenue reached 564M with 11% growth year-over-year. Profit margins of 11.4% are healthy, with room for further expansion as the business scales.
Key Findings
Generating 10M in free cash flow and 11M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Margin expansion: can Sapiens International Corporation NV push profit margins above 15% as the business scales?
Sector dynamics: monitor SOFTWARE - APPLICATION industry trends, competitive moves, and regulatory changes that could impact Sapiens International Corporation NV.
Bottom Line
Sapiens International Corporation NV offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Loading insider activity...
About Sapiens International Corporation NV(SPNS)
NASDAQ
TECHNOLOGY
SOFTWARE - APPLICATION
USA
Sapiens International Corporation NV provides software solutions for the insurance and financial services industries in North America, Europe, Asia Pacific, and South Africa. The company is headquartered in Holon, Israel.