Sapiens International Corporation NV (SPNS) — Defensive Interval Ratio

Latest as of September 2025: 304 days

Sapiens International Corporation NV (SPNS) has a Defensive Interval Ratio of 304 days as of September 2025. Defensive assets of ILA138.19 Million (cash ILA-, short-term investments ILA0.00, receivables ILA138.19 Million) cover 304 days of daily cash needs of ILA454.84K/day. Check SPNS goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.

Defensive Interval Ratio

304 days
Days of operational coverage

Defensive Assets

ILA138.19 Million
Cash + ST Investments + Receivables

Daily Cash Need

ILA454.84K
Current Liabilities ÷ 365

Current Liabilities

ILA166.02 Million
ILA

Sapiens International Corporation NV Defensive Interval Ratio (1996–2024)

This chart shows how Sapiens International Corporation NV's Defensive Interval Ratio has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the ratio stands at 304 days, meaning defensive assets of ILA138.19 Million can fund 304 days of operations without new revenue. Also explore net asset growth rate of Sapiens International Corporation NV to track the company's year-over-year net asset growth rate.

Annual Defensive Interval Ratio for Sapiens International Corporation NV (1996–2024)

The table below presents the year-by-year Defensive Interval Ratio for Sapiens International Corporation NV from 1996 to 2024, covering 29 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see how much is Sapiens International Corporation NV worth.

Year DIR (days) Defensive Assets (ILA) Daily Cash Need Cash ST Investments Change (days)
2024 418 days ILA171.45 Million ILA409.82K/day ILA- ILA52.50 Million ▼ -42 days
2023 461 days ILA188.19 Million ILA408.56K/day ILA- ILA75.40 Million ▲ +177 days
2022 284 days ILA113.38 Million ILA399.88K/day ILA- ILA20.00 Million ▲ +52 days
2021 232 days ILA96.26 Million ILA415.60K/day ILA- ILA20.00 Million ▼ -9 days
2020 241 days ILA95.41 Million ILA396.65K/day ILA- ILA30.00 Million ▼ -14 days
2019 254 days ILA73.11 Million ILA287.43K/day ILA- ILA22.89 Million ▼ -10 days
2018 264 days ILA59.16 Million ILA224.12K/day ILA- ILA- ▼ -14 days
2017 278 days ILA53.23 Million ILA191.33K/day ILA- ILA0.00 ▼ -175 days
2016 453 days ILA59.29 Million ILA130.82K/day ILA- ILA18.22 Million ▲ +112 days
2015 342 days ILA43.99 Million ILA128.77K/day ILA- ILA8.78 Million ▼ -8 days
2014 350 days ILA35.80 Million ILA102.42K/day ILA- ILA- ▲ +80 days
2013 269 days ILA27.80 Million ILA103.27K/day ILA- ILA- ▲ +55 days
2012 214 days ILA18.62 Million ILA86.84K/day ILA- ILA- ▲ +27 days
2011 187 days ILA16.31 Million ILA87.13K/day ILA- ILA- ▲ +86 days
2010 101 days ILA5.51 Million ILA54.40K/day ILA- ILA- ▼ -1 days
2009 102 days ILA5.13 Million ILA50.38K/day ILA- ILA- ▼ -13 days
2008 114 days ILA6.86 Million ILA59.92K/day ILA- ILA- ▼ -7 days
2007 121 days ILA7.68 Million ILA63.35K/day ILA- ILA- ▼ -23 days
2006 145 days ILA11.27 Million ILA77.96K/day ILA- ILA32.00K ▼ -14 days
2005 158 days ILA14.14 Million ILA89.40K/day ILA- ILA5.34 Million ▼ -92 days
2004 250 days ILA22.86 Million ILA91.43K/day ILA- ILA11.16 Million ▲ +78 days
2003 172 days ILA12.48 Million ILA72.62K/day ILA- ILA1.04 Million ▼ -1 days
2002 173 days ILA14.35 Million ILA82.97K/day ILA- ILA1.65 Million ▲ +0 days
2001 172 days ILA19.68 Million ILA114.10K/day ILA- ILA50.00K ▼ -97 days
2000 270 days ILA37.97 Million ILA140.81K/day ILA- ILA2.87 Million ▼ -302 days
1999 572 days ILA40.00 Million ILA69.95K/day ILA- ILA8.05 Million ▲ +199 days
1998 373 days ILA33.30 Million ILA89.32K/day ILA- ILA12.80 Million ▼ -161 days
1997 534 days ILA28.80 Million ILA53.97K/day ILA- ILA12.80 Million ▲ +126 days
1996 407 days ILA26.90 Million ILA66.03K/day ILA- ILA13.70 Million —
DIR = (Cash + Short-term Investments + Net Receivables) / (Daily Cash Expenses)