Sapiens International (SPNS) Stock Price, News & Analysis

Company Overview

Sapiens International Corporation is a global software provider specializing in digital transformation solutions for the insurance and financial services industries. The company develops and delivers end-to-end core systems that support a broad range of insurance lines, including property and casualty, life and annuity, and group benefits. By offering configurable policy administration, underwriting, billing and claims management capabilities, Sapiens enables insurers, reinsurers, managing general agents and brokers to modernize their operations and accelerate time to market.

The company’s product portfolio encompasses on-premises and cloud-native software suites designed to address the evolving needs of today’s insurance landscape. In addition to core processing modules, Sapiens provides data analytics, digital engagement tools, regulatory compliance frameworks and risk management applications. Its scalable architecture supports both enterprise deployments and fast-track implementations, allowing clients to leverage a modular approach while minimizing disruption to existing workflows.

Founded in 1982 and headquartered in Israel, Sapiens has grown through a combination of organic innovation and strategic acquisitions. Over the years, the company has established development centers and client support offices across North America, Europe, Asia-Pacific and Latin America. This global footprint enables Sapiens to serve a diverse customer base ranging from regional specialty carriers to large multinational insurance groups, tailoring solutions to local market requirements and regulatory environments.

The company is guided by an experienced executive leadership team with deep expertise in software engineering, insurance operations and digital strategy. Through ongoing investment in research and development, Sapiens seeks to anticipate industry trends—such as embedded insurance, usage-based products and AI-driven underwriting—while maintaining strong partnerships with system integrators, consulting firms and technology vendors. This collaborative approach helps insurers navigate complex transformation journeys and achieve sustainable growth.

Key Stats

• Today's Range: $29.97 to $30.21
• 50-Day Range: $27.32 to $30.04
• 52-Week Range: $23.69 to $41.22
• Volume: 83,152 shs
• Average Volume: 159,037 shs
• Market Capitalization: $1.68 billion
• P/E Ratio: 23.10
• Dividend Yield: 2.00%
• Price Target: $34.25
• Consensus Rating: Hold

Sapiens International Stock Analysis - MarketRank™

Sapiens International scored higher than 58% of companies evaluated by MarketBeat, and ranked 1057th out of 1,998 stocks in the computer and technology sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Sapiens International has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on 2 buy ratings, 2 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Sapiens International has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 11.97%

Earnings Growth

Earnings for Sapiens International are expected to grow by 11.97% in the coming year, from $1.42 to $1.59 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Sapiens International is 23.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.56.

Price to Earnings Ratio vs. Sector

The P/E ratio of Sapiens International is 23.10, which means that it is trading at a less expensive P/E ratio than the Computer and Technology sector average P/E ratio of about 37.03.

Price to Book Value per Share Ratio

Sapiens International has a P/B Ratio of 3.50. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.64% of the float of Sapiens International has been sold short.

Short Interest Ratio / Days to Cover

Sapiens International has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in Sapiens International has recently decreased by 3.61%, indicating that investor sentiment is improving.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Sapiens International pays a meaningful dividend of 2.02%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Sapiens International has only been increasing its dividend for 3 years.

Dividend Coverage

The dividend payout ratio of Sapiens International is 46.15%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Sapiens International will have a dividend payout ratio of 37.74% next year. This indicates that Sapiens International will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

2.64% of the float of Sapiens International has been sold short.

Short Interest Ratio / Days to Cover

Sapiens International has a short interest ratio ("days to cover") of 5.

Change versus previous month

Short interest in Sapiens International has recently decreased by 3.61%, indicating that investor sentiment is improving.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: 0.44

News Sentiment

Sapiens International has a news sentiment score of 0.44. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.62 average news sentiment score of Computer and Technology companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for Sapiens International this week, compared to 4 articles on an average week.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Sapiens International insiders have not sold or bought any company stock.

Percentage Held by Insiders

16.00% of the stock of Sapiens International is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 30.73% of the stock of Sapiens International is held by institutions.

SPNS Stock Analysis - Frequently Asked Questions

How have SPNS shares performed this year?

Sapiens International's stock was trading at $26.87 at the start of the year. Since then, SPNS shares have increased by 11.8% and is now trading at $30.0350.

How were Sapiens International's earnings last quarter?

Sapiens International Corporation N.V. (NASDAQ:SPNS) announced its quarterly earnings results on Thursday, May, 8th. The technology company reported $0.37 earnings per share (EPS) for the quarter, topping analysts' consensus estimates of $0.35 by $0.02. The company's revenue was up 1.4% compared to the same quarter last year.
Read the conference call transcript.

Who are Sapiens International's major shareholders?

Sapiens International's top institutional investors include Confluence Investment Management LLC (0.09%).

How do I buy shares of Sapiens International?

Shares of SPNS stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Sapiens International own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Sapiens International investors own include Waste Connections (WCN), The RMR Group (RMR), iShares Micro-Cap ETF (IWC), DiamondRock Hospitality (DRH), American Water Works (AWK), AU Optronics (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Record date for 4/16 Dividend: 4/07/2025
• Ex-Dividend for 4/16 Dividend: 4/07/2025
• Dividend Payable: 4/16/2025
• Last Earnings: 5/08/2025
• Today: 7/04/2025
• Next Earnings (Estimated): 8/07/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Computer and Technology
• Industry: COMP - SOFTWARE
• Sub-Industry: Application Software
• Current Symbol: NASDAQ:SPNS
• CIK: 885740
• Web: www.sapiens.com
• Phone: (723) 790-2000
• Fax: 972-3790-2942
• Employees: 4,040
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $34.25
• High Stock Price Target: $43.00
• Low Stock Price Target: $28.00
• Potential Upside/Downside: +14.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.30
• Trailing P/E Ratio: 23.10
• Forward P/E Ratio: 21.15
• P/E Growth: N/A
• Net Income: $72.18 million
• Net Margins: 13.37%
• Pretax Margin: 16.67%
• Return on Equity: 17.30%
• Return on Assets: 11.75%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.68
• Quick Ratio: 1.68

Sales & Book Value

• Annual Sales: $544.24 million
• Price / Sales: 3.08
• Cash Flow: $1.83 per share
• Price / Cash Flow: 16.42
• Book Value: $8.58 per share
• Price / Book: 3.50

Miscellaneous

• Outstanding Shares: 55,887,000
• Free Float: 46,945,000
• Market Cap: $1.68 billion
• Optionable: Optionable
• Beta: 0.95