Sapiens International Corporation NV (SPNS) — Cash Flow-to-Debt Ratio
Sapiens International Corporation NV (SPNS) has a Cash Flow-to-Debt Ratio of 0.05x as of September 2025, meaning its operating cash flow of ILA10.64 Million could theoretically repay 0% of its total liabilities (ILA216.50 Million) in one year. See Sapiens International Corporation NV free cash flow ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Sapiens International Corporation NV Cash Flow-to-Debt Ratio (1996–2024)
Historical debt coverage capacity for Sapiens International Corporation NV across 29 annual periods. Also explore Sapiens International Corporation NV annual equity growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Sapiens International Corporation NV (1996–2024)
Year-by-year debt coverage analysis for Sapiens International Corporation NV. For market capitalisation and broader financial context, see SPNS market cap.
| Year | CF-to-Debt Ratio | Operating CF (ILA) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.39x | ILA82.22 Million | ILA212.08 Million | ▲ +17.0% |
| 2023 | 0.33x | ILA79.42 Million | ILA239.68 Million | ▲ +99.8% |
| 2022 | 0.17x | ILA43.78 Million | ILA263.90 Million | ▼ -36.9% |
| 2021 | 0.26x | ILA80.54 Million | ILA306.27 Million | ▲ +49.2% |
| 2020 | 0.18x | ILA58.26 Million | ILA330.47 Million | ▼ -39.5% |
| 2019 | 0.29x | ILA66.16 Million | ILA226.92 Million | ▲ +85.6% |
| 2018 | 0.16x | ILA27.70 Million | ILA176.38 Million | ▲ +206.1% |
| 2017 | 0.05x | ILA8.74 Million | ILA170.42 Million | ▼ -87.5% |
| 2016 | 0.41x | ILA26.04 Million | ILA63.46 Million | ▼ -38.7% |
| 2015 | 0.67x | ILA40.44 Million | ILA60.46 Million | ▲ +63.3% |
| 2014 | 0.41x | ILA21.56 Million | ILA52.63 Million | ▲ +23.7% |
| 2013 | 0.33x | ILA17.27 Million | ILA52.13 Million | ▼ -22.2% |
| 2012 | 0.43x | ILA18.79 Million | ILA44.15 Million | ▲ +116.3% |
| 2011 | 0.20x | ILA8.41 Million | ILA42.76 Million | ▼ -66.0% |
| 2010 | 0.58x | ILA12.11 Million | ILA20.95 Million | ▼ -17.4% |
| 2009 | 0.70x | ILA13.54 Million | ILA19.36 Million | ▲ +66.8% |
| 2008 | 0.42x | ILA9.77 Million | ILA23.30 Million | ▲ +80.7% |
| 2007 | 0.23x | ILA7.12 Million | ILA30.68 Million | ▲ +1234.0% |
| 2006 | -0.02x | ILA-853.00K | ILA41.69 Million | ▼ -427.9% |
| 2005 | 0.01x | ILA301.00K | ILA48.23 Million | ▲ +111.8% |
| 2004 | -0.05x | ILA-2.99 Million | ILA56.65 Million | ▼ -1276.5% |
| 2003 | 0.00x | ILA281.00K | ILA62.73 Million | ▼ -95.6% |
| 2002 | 0.10x | ILA4.95 Million | ILA49.17 Million | ▲ +329.8% |
| 2001 | -0.04x | ILA-2.62 Million | ILA59.72 Million | ▲ +84.8% |
| 2000 | -0.29x | ILA-21.13 Million | ILA73.50 Million | ▼ -35775.7% |
| 1999 | 0.00x | ILA-27.00K | ILA33.69 Million | ▼ -100.2% |
| 1998 | 0.44x | ILA17.60 Million | ILA40.20 Million | ▲ +4204.5% |
| 1997 | -0.01x | ILA-400.00K | ILA37.50 Million | ▲ +77.1% |
| 1996 | -0.05x | ILA-2.00 Million | ILA43.00 Million | — |