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STOCKS

Sapiens International (SPNS)

NASDAQ:SPNS

SPNS

Sapiens

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Sapiens (SPNS) Ratios

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242 Followers

Sapiens Ratios

SPNS's free cash flow for Q1 2025 was $0.45. For the 2025 fiscal year, SPNS's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.68	2.11	1.95	1.98	1.85
Quick Ratio	1.68	2.11	2.03	2.07	1.85
Cash Ratio	0.74	0.85	1.10	1.25	1.05
Solvency Ratio	0.38	0.33	0.26	0.22	0.15
Operating Cash Flow Ratio	0.46	0.53	0.30	0.53	0.40
Short-Term Operating Cash Flow Coverage	4.49	4.01	2.21	4.07	2.94
Net Current Asset Value	$ 87.75M	$ 75.23M	$ 21.41M	$ -5.93M	$ -63.11M
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.13	0.17	0.21	0.25
Debt-to-Equity Ratio	0.09	0.19	0.29	0.36	0.46
Debt-to-Capital Ratio	0.09	0.16	0.22	0.27	0.32
Long-Term Debt-to-Capital Ratio	0.00	0.08	0.13	0.16	0.20
Financial Leverage Ratio	1.55	1.54	1.66	1.75	1.86
Debt Service Coverage Ratio	4.44	4.00	3.34	3.14	2.40
Interest Coverage Ratio	0.00	231.96	46.59	15.15	11.83
Debt to Market Cap	0.01	0.04	0.08	0.05	0.08
Interest Debt Per Share	0.77	1.58	2.14	2.78	3.53
Net Debt to EBITDA	-0.95	-0.42	-0.52	-0.50	0.39
Profitability Margins
Gross Profit Margin	44.61%	42.67%	42.16%	40.74%	40.73%
EBIT Margin	15.90%	15.39%	14.11%	13.69%	11.78%
EBITDA Margin	19.44%	18.43%	17.59%	18.25%	16.62%
Operating Profit Margin	15.90%	15.33%	14.01%	12.47%	11.75%
Pretax Profit Margin	16.67%	14.99%	13.81%	12.43%	10.76%
Net Profit Margin	13.37%	12.13%	11.08%	10.23%	8.82%
Continuous Operations Profit Margin	13.39%	12.22%	11.15%	10.26%	8.92%
Net Income Per EBT	80.18%	80.97%	80.24%	82.34%	81.98%
EBT Per EBIT	104.87%	97.78%	98.58%	99.65%	91.55%
Return on Assets (ROA)	10.19%	9.05%	7.89%	6.60%	4.73%
Return on Equity (ROE)	15.57%	13.96%	13.06%	11.54%	8.80%
Return on Capital Employed (ROCE)	16.67%	14.59%	12.77%	10.21%	7.90%
Return on Invested Capital (ROIC)	12.72%	11.34%	9.77%	8.00%	6.23%
Return on Tangible Assets	18.94%	16.77%	15.15%	12.69%	9.63%
Earnings Yield	4.38%	3.90%	5.16%	2.50%	2.15%
Efficiency Ratios
Receivables Turnover	4.48	5.70	5.08	6.05	5.85
Payables Turnover	35.53	46.89	29.16	54.55	42.11
Inventory Turnover	0.00	0.00	-23.59	-19.74	226.93M
Fixed Asset Turnover	17.57	14.21	10.39	7.93	5.37
Asset Turnover	0.76	0.75	0.71	0.64	0.54
Working Capital Turnover Ratio	3.42	3.37	3.30	3.40	4.64
Cash Conversion Cycle	71.23	56.25	43.81	35.19	53.68
Days of Sales Outstanding	81.50	64.03	71.80	60.38	62.35
Days of Inventory Outstanding	0.00	0.00	-15.47	-18.49	<0.01
Days of Payables Outstanding	10.27	7.78	12.52	6.69	8.67
Operating Cycle	81.50	64.03	56.32	41.88	62.35
Cash Flow Ratios
Operating Cash Flow Per Share	1.59	1.43	0.79	1.47	1.14
Free Cash Flow Per Share	1.41	1.27	0.63	1.25	0.92
CapEx Per Share	0.18	0.17	0.16	0.22	0.22
Free Cash Flow to Operating Cash Flow	0.89	0.88	0.79	0.85	0.81
Dividend Paid and CapEx Coverage Ratio	2.12	2.12	0.92	2.51	3.19
Capital Expenditure Coverage Ratio	8.80	8.57	4.84	6.80	5.18
Operating Cash Flow Coverage Ratio	2.06	0.91	0.38	0.54	0.33
Operating Cash Flow to Sales Ratio	0.16	0.15	0.09	0.17	0.15
Free Cash Flow Yield	4.74%	4.38%	3.41%	3.64%	3.00%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	22.82	25.66	19.37	40.01	46.41
Price-to-Sales (P/S) Ratio	3.05	3.11	2.15	4.09	4.09
Price-to-Book (P/B) Ratio	3.61	3.58	2.53	4.62	4.09
Price-to-Free Cash Flow (P/FCF) Ratio	21.08	22.84	29.33	27.47	33.34
Price-to-Operating Cash Flow Ratio	18.68	20.18	23.27	23.43	26.91
Price-to-Earnings Growth (PEG) Ratio	29.44	1.35	1.85	1.32	1.72
Price-to-Fair Value	3.61	3.58	2.53	4.62	4.09
Enterprise Value Multiple	14.75	16.48	11.67	21.94	25.02
Enterprise Value	1.56B	1.56B	974.84M	1.85B	1.59B
EV to EBITDA	14.75	16.48	11.67	21.94	25.02
EV to Sales	2.87	3.04	2.05	4.00	4.16
EV to Free Cash Flow	19.81	22.28	28.07	26.86	33.86
EV to Operating Cash Flow	17.56	19.68	22.27	22.91	27.33
Tangible Book Value Per Share	2.59	2.39	1.51	1.19	0.39
Shareholders’ Equity Per Share	8.24	8.08	7.31	7.46	7.49
Tax and Other Ratios
Effective Tax Rate	0.20	0.18	0.19	0.17	0.17
Revenue Per Share	9.74	9.29	8.61	8.42	7.48
Net Income Per Share	1.30	1.13	0.95	0.86	0.66
Tax Burden	0.80	0.81	0.80	0.82	0.82
Interest Burden	1.05	0.97	0.98	0.91	0.91
Research & Development to Revenue	0.12	0.13	0.12	0.12	0.11
SG&A to Revenue	0.00	0.00	0.00	0.00	0.00
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.01	0.01
Income Quality	1.22	1.27	0.83	1.70	1.71

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