Sapiens International Corporation NV (SPNS) — Net Asset Quality Index
Sapiens International Corporation NV (SPNS) has a Net Asset Quality Index of 70.9% as of September 2025. This metric measures the proportion of total assets financed by shareholders' equity — total assets of ILA743.69 Million minus total liabilities of ILA216.50 Million yields net assets of ILA527.19 Million. A higher index indicates a stronger, lower-leverage balance sheet. See SPNS days of operational coverage to measure how many days the company can operate on defensive assets alone.
Quality Index
Net Assets
Total Assets
Total Liabilities
Sapiens International Corporation NV Net Asset Quality Index Over Time (1996–2024)
This chart shows how Sapiens International Corporation NV's Net Asset Quality Index has evolved across 29 annual periods from 1996 to 2024. As of September 2025, the index stands at 70.9%, representing net assets of ILA527.19 Million against total assets of ILA743.69 Million ILA. Explore SPNS operating cash flow to assess how effectively this company generates cash.
Annual Net Asset Quality Index for Sapiens International Corporation NV (1996–2024)
The table below presents the year-by-year Net Asset Quality Index for Sapiens International Corporation NV from 1996 to 2024, covering 29 annual filings. Each row shows total assets, total liabilities, net assets, the quality index percentage, and the change in percentage points compared to the prior year. For market capitalisation and the full company profile, see market value of Sapiens International Corporation NV.
| Year | Quality Index | Net Assets (ILA) | Total Assets | Total Liabilities | Change (pp) |
|---|---|---|---|---|---|
| 2024 | 69.3% | ILA479.63 Million | ILA691.71 Million | ILA212.08 Million | ▲ +4.1 pp |
| 2023 | 65.2% | ILA449.95 Million | ILA689.62 Million | ILA239.68 Million | ▲ +4.8 pp |
| 2022 | 60.4% | ILA402.85 Million | ILA666.75 Million | ILA263.90 Million | ▲ +3.3 pp |
| 2021 | 57.2% | ILA408.72 Million | ILA714.99 Million | ILA306.27 Million | ▲ +3.4 pp |
| 2020 | 53.7% | ILA383.69 Million | ILA714.16 Million | ILA330.47 Million | ▲ +3.9 pp |
| 2019 | 49.8% | ILA225.50 Million | ILA452.42 Million | ILA226.92 Million | ▼ -3.6 pp |
| 2018 | 53.4% | ILA202.48 Million | ILA378.87 Million | ILA176.38 Million | ▼ -0.7 pp |
| 2017 | 54.1% | ILA200.87 Million | ILA371.29 Million | ILA170.42 Million | ▼ -21.3 pp |
| 2016 | 75.4% | ILA194.39 Million | ILA257.85 Million | ILA63.46 Million | ▲ +0.3 pp |
| 2015 | 75.0% | ILA181.81 Million | ILA242.27 Million | ILA60.46 Million | ▼ -2.0 pp |
| 2014 | 77.0% | ILA176.20 Million | ILA228.82 Million | ILA52.63 Million | ▲ +0.4 pp |
| 2013 | 76.6% | ILA170.41 Million | ILA222.54 Million | ILA52.13 Million | ▲ +3.7 pp |
| 2012 | 72.8% | ILA118.44 Million | ILA162.58 Million | ILA44.15 Million | ▼ 0.0 pp |
| 2011 | 72.8% | ILA114.72 Million | ILA157.48 Million | ILA42.76 Million | ▲ +10.9 pp |
| 2010 | 62.0% | ILA34.12 Million | ILA55.07 Million | ILA20.95 Million | ▲ +4.2 pp |
| 2009 | 57.7% | ILA26.41 Million | ILA45.77 Million | ILA19.36 Million | ▲ +9.3 pp |
| 2008 | 48.4% | ILA21.88 Million | ILA45.18 Million | ILA23.30 Million | ▲ +6.8 pp |
| 2007 | 41.6% | ILA21.85 Million | ILA52.53 Million | ILA30.68 Million | ▲ +33.0 pp |
| 2006 | 8.6% | ILA3.93 Million | ILA45.62 Million | ILA41.69 Million | ▲ +1.6 pp |
| 2005 | 7.0% | ILA3.63 Million | ILA51.87 Million | ILA48.23 Million | ▼ -10.6 pp |
| 2004 | 17.6% | ILA12.08 Million | ILA68.73 Million | ILA56.65 Million | ▼ -0.7 pp |
| 2003 | 18.2% | ILA14.00 Million | ILA76.72 Million | ILA62.73 Million | ▼ -6.3 pp |
| 2002 | 24.5% | ILA15.98 Million | ILA65.15 Million | ILA49.17 Million | ▲ +9.3 pp |
| 2001 | 15.2% | ILA10.74 Million | ILA70.46 Million | ILA59.72 Million | ▼ -5.2 pp |
| 2000 | 20.5% | ILA18.90 Million | ILA92.40 Million | ILA73.50 Million | ▼ -40.0 pp |
| 1999 | 60.4% | ILA51.41 Million | ILA85.11 Million | ILA33.69 Million | ▲ +15.3 pp |
| 1998 | 45.2% | ILA33.10 Million | ILA73.30 Million | ILA40.20 Million | ▲ +10.3 pp |
| 1997 | 34.9% | ILA20.10 Million | ILA57.60 Million | ILA37.50 Million | ▲ +20.6 pp |
| 1996 | 14.3% | ILA7.20 Million | ILA50.20 Million | ILA43.00 Million | — |