SPNS Valuation

Sapiens International Corporation NV

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42.900

+0.04(0.093%)1D

Overview
Forecast
Valuation
Earnings

SPNS Relative Valuation

SPNS's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, SPNS is overvalued; if below, it's undervalued.

Historical Valuation

Sapiens International Corporation NV (SPNS) is now in the Undervalued zone, suggesting that its current forward PS ratio of 3.96 is considered Undervalued compared with the five-year average of 3.57. The fair price of Sapiens International Corporation NV (SPNS) is between 268.49 to 277.90 according to relative valuation methord. Compared to the current price of 42.90 USD , Sapiens International Corporation NV is Undervalued By 84.02%.

Relative Value

Fair Zone

268.49-277.90

Current Price：42.90

84.02%

Undervalued

28.95

Trailing

Forward

23.06

EV/EBITDA

Sapiens International Corporation NV. (SPNS) has a current EV/EBITDA of 23.06. The 5-year average EV/EBITDA is 15.24. The thresholds are as follows: Strongly Undervalued below 9.10, Undervalued between 9.10 and 12.17, Fairly Valued between 18.31 and 12.17, Overvalued between 18.31 and 21.39, and Strongly Overvalued above 21.39. The current Forward EV/EBITDA of 23.06 falls within the Strongly Overvalued range.

24.11

EV/EBIT

Sapiens International Corporation NV. (SPNS) has a current EV/EBIT of 24.11. The 5-year average EV/EBIT is 16.32. The thresholds are as follows: Strongly Undervalued below 9.33, Undervalued between 9.33 and 12.82, Fairly Valued between 19.81 and 12.82, Overvalued between 19.81 and 23.31, and Strongly Overvalued above 23.31. The current Forward EV/EBIT of 24.11 falls within the Strongly Overvalued range.

3.96

Sapiens International Corporation NV. (SPNS) has a current PS of 3.96. The 5-year average PS is 3.02. The thresholds are as follows: Strongly Undervalued below 1.94, Undervalued between 1.94 and 2.48, Fairly Valued between 3.57 and 2.48, Overvalued between 3.57 and 4.11, and Strongly Overvalued above 4.11. The current Forward PS of 3.96 falls within the Overvalued range.

0.00

P/OCF

Sapiens International Corporation NV. (SPNS) has a current P/OCF of 0.00. The 5-year average P/OCF is 18.73. The thresholds are as follows: Strongly Undervalued below 2.63, Undervalued between 2.63 and 10.68, Fairly Valued between 26.78 and 10.68, Overvalued between 26.78 and 34.83, and Strongly Overvalued above 34.83. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

25.32

P/FCF

Sapiens International Corporation NV. (SPNS) has a current P/FCF of 25.32. The 5-year average P/FCF is 21.27. The thresholds are as follows: Strongly Undervalued below 7.64, Undervalued between 7.64 and 14.45, Fairly Valued between 28.08 and 14.45, Overvalued between 28.08 and 34.89, and Strongly Overvalued above 34.89. The current Forward P/FCF of 25.32 falls within the Historic Trend Line -Fairly Valued range.

Sapiens International Corporation NV (SPNS) has a current Price-to-Book (P/B) ratio of 4.81. Compared to its 3-year average P/B ratio of 3.51 , the current P/B ratio is approximately 37.23% higher. Relative to its 5-year average P/B ratio of 3.87, the current P/B ratio is about 24.46% higher. Sapiens International Corporation NV (SPNS) has a Forward Free Cash Flow (FCF) yield of approximately 3.31%. Compared to its 3-year average FCF yield of 4.22%, the current FCF yield is approximately -21.74% lower. Relative to its 5-year average FCF yield of 4.26% , the current FCF yield is about -22.36% lower.

4.81

P/B

Median3y

3.51

Median5y

3.87

3.31

FCF Yield

Median3y

4.22

Median5y

4.26

Competitors Valuation Multiple

The average P/S ratio for SPNS's competitors is 99.20, providing a benchmark for relative valuation. Sapiens International Corporation NV Corp (SPNS) exhibits a P/S ratio of 3.96, which is -96.01% above the industry average. Given its robust revenue growth of 3.51%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

SPNS.O

Sapiens International Corporation NV

Lightspeed Commerce Inc

Performance Decomposition

Market capitalization of SPNS increased by 15.11% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 25.67 to 35.16.

The secondary factor is the Revenue Growth, contributed 3.51%to the performance.

Overall, the performance of SPNS in the past 1 year is driven by P/E Change. Which is more unsustainable.

3.51%

136.80M → 141.60M

Revenue Growth

-25.35%

13.61 → 10.16

Margin Expansion

36.95%

25.67 → 35.16

P/E Change

15.11%