Sapiens International Corporation NV
Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe and internationally. The company provides various solutions for property and casualty, life and pensions, and reinsurance fields. It also offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagem… Read more
Sapiens International Corporation NV (SPNS) - Net Assets
Latest net assets as of September 2025: $527.19 Million USD
Based on the latest financial reports, Sapiens International Corporation NV (SPNS) has net assets worth $527.19 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($743.69 Million) and total liabilities ($216.50 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $527.19 Million |
| % of Total Assets | 70.89% |
| Annual Growth Rate | 16.18% |
| 5-Year Change | 25.0% |
| 10-Year Change | 163.81% |
| Growth Volatility | 100.85 |
Sapiens International Corporation NV - Net Assets Trend (1996–2024)
This chart illustrates how Sapiens International Corporation NV's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Sapiens International Corporation NV (1996–2024)
The table below shows the annual net assets of Sapiens International Corporation NV from 1996 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $479.63 Million | +6.60% |
| 2023-12-31 | $449.95 Million | +11.67% |
| 2022-12-31 | $402.94 Million | -1.41% |
| 2021-12-31 | $408.72 Million | +6.52% |
| 2020-12-31 | $383.69 Million | +70.15% |
| 2019-12-31 | $225.50 Million | +11.37% |
| 2018-12-31 | $202.48 Million | +0.80% |
| 2017-12-31 | $200.87 Million | +3.34% |
| 2016-12-31 | $194.39 Million | +6.92% |
| 2015-12-31 | $181.81 Million | +3.19% |
| 2014-12-31 | $176.20 Million | +3.40% |
| 2013-12-31 | $170.41 Million | +43.88% |
| 2012-12-31 | $118.44 Million | +3.24% |
| 2011-12-31 | $114.72 Million | +236.25% |
| 2010-12-31 | $34.12 Million | +29.16% |
| 2009-12-31 | $26.41 Million | +20.75% |
| 2008-12-31 | $21.88 Million | +0.12% |
| 2007-12-31 | $21.85 Million | +456.12% |
| 2006-12-31 | $3.93 Million | +8.18% |
| 2005-12-31 | $3.63 Million | -69.93% |
| 2004-12-31 | $12.08 Million | -13.70% |
| 2003-12-31 | $14.00 Million | -12.40% |
| 2002-12-31 | $15.98 Million | +48.79% |
| 2001-12-31 | $10.74 Million | -43.16% |
| 2000-12-31 | $18.90 Million | -63.25% |
| 1999-12-31 | $51.41 Million | +55.33% |
| 1998-12-31 | $33.10 Million | +64.68% |
| 1997-12-31 | $20.10 Million | +179.17% |
| 1996-12-31 | $7.20 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Sapiens International Corporation NV's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 20733100000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $160.23 Million | 33.41% |
| Common Stock | $762.00K | 0.16% |
| Other Comprehensive Income | $-26.92 Million | -5.61% |
| Other Components | $345.56 Million | 72.05% |
| Total Equity | $479.63 Million | 100.00% |
Sapiens International Corporation NV Competitors by Market Cap
The table below lists competitors of Sapiens International Corporation NV ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Insight Enterprises Inc
NASDAQ:NSIT
|
$2.43 Billion |
|
Anhui Gujing Distillery Co Ltd
SHE:200596
|
$2.43 Billion |
|
AMMB Holdings Berhad
OTCGREY:AMMHF
|
$2.43 Billion |
|
Radico Khaitan Limited
NSE:RADICO
|
$2.43 Billion |
|
Henan Pinggao Electric Co Ltd
SHG:600312
|
$2.43 Billion |
|
Quilter plc
PINK:QUILF
|
$2.43 Billion |
|
PSKRY
PINK:PSKRY
|
$2.43 Billion |
|
Teleperformance PK
PINK:TLPFY
|
$2.43 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Sapiens International Corporation NV's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 447,270,000 to 479,629,000, a change of 32,359,000 (7.2%).
- Net income of 72,179,000 contributed positively to equity growth.
- Dividend payments of 31,823,000 reduced retained earnings.
- Other comprehensive income decreased equity by 9,661,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $72.18 Million | +15.05% |
| Dividends Paid | $31.82 Million | -6.63% |
| Other Comprehensive Income | $-9.66 Million | -2.01% |
| Other Changes | $1.66 Million | +0.35% |
| Total Change | $- | 7.23% |
Book Value vs Market Value Analysis
This analysis compares Sapiens International Corporation NV's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1633.24x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 17908.80x to 1633.24x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $0.78 | $13950.00 | x |
| 1997-12-31 | $3.64 | $13950.00 | x |
| 1998-12-31 | $5.99 | $13950.00 | x |
| 1999-12-31 | $9.30 | $13950.00 | x |
| 2000-12-31 | $20.77 | $13950.00 | x |
| 2001-12-31 | $1.94 | $13950.00 | x |
| 2002-12-31 | $10.94 | $13950.00 | x |
| 2003-12-31 | $1.30 | $13950.00 | x |
| 2004-12-31 | $1.07 | $13950.00 | x |
| 2005-12-31 | $0.30 | $13950.00 | x |
| 2006-12-31 | $0.29 | $13950.00 | x |
| 2007-12-31 | $1.20 | $13950.00 | x |
| 2008-12-31 | $1.01 | $13950.00 | x |
| 2009-12-31 | $1.22 | $13950.00 | x |
| 2010-12-31 | $1.54 | $13950.00 | x |
| 2011-12-31 | $3.73 | $13950.00 | x |
| 2012-12-31 | $2.84 | $13950.00 | x |
| 2013-12-31 | $4.03 | $13950.00 | x |
| 2014-12-31 | $3.65 | $13950.00 | x |
| 2015-12-31 | $3.69 | $13950.00 | x |
| 2016-12-31 | $3.91 | $13950.00 | x |
| 2017-12-31 | $4.02 | $13950.00 | x |
| 2018-12-31 | $4.04 | $13950.00 | x |
| 2019-12-31 | $4.42 | $13950.00 | x |
| 2020-12-31 | $7.32 | $13950.00 | x |
| 2021-12-31 | $7.31 | $13950.00 | x |
| 2022-12-31 | $7.21 | $13950.00 | x |
| 2023-12-31 | $8.03 | $13950.00 | x |
| 2024-12-31 | $8.54 | $13950.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Sapiens International Corporation NV utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 15.05%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.31%
- • Asset Turnover: 0.78x
- • Equity Multiplier: 1.44x
- Recent ROE (15.05%) is above the historical average (-22.98%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | -91.67% | -16.92% | 0.78x | 6.97x | $-7.32 Million |
| 1997 | 22.39% | 10.09% | 0.77x | 2.87x | $2.49 Million |
| 1998 | 29.31% | 13.66% | 0.97x | 2.21x | $6.39 Million |
| 1999 | 25.42% | 14.23% | 1.08x | 1.66x | $7.93 Million |
| 2000 | -201.56% | -52.36% | 0.79x | 4.89x | $-39.98 Million |
| 2001 | -167.32% | -28.33% | 0.90x | 6.56x | $-19.04 Million |
| 2002 | -32.42% | -7.95% | 1.00x | 4.10x | $-6.74 Million |
| 2003 | -15.70% | -4.18% | 0.68x | 5.51x | $-3.58 Million |
| 2004 | -40.08% | -10.13% | 0.70x | 5.69x | $-6.05 Million |
| 2005 | -250.52% | -23.09% | 0.76x | 14.28x | $-9.46 Million |
| 2006 | -97.35% | -8.63% | 0.97x | 11.61x | $-4.22 Million |
| 2007 | -11.64% | -6.00% | 0.81x | 2.40x | $-4.73 Million |
| 2008 | -1.58% | -0.79% | 0.96x | 2.08x | $-2.52 Million |
| 2009 | 15.98% | 9.19% | 1.00x | 1.74x | $1.57 Million |
| 2010 | 18.03% | 11.78% | 0.95x | 1.61x | $2.74 Million |
| 2011 | 5.14% | 8.43% | 0.44x | 1.37x | $-5.58 Million |
| 2012 | 9.95% | 10.34% | 0.70x | 1.37x | $-63.90K |
| 2013 | 6.81% | 8.57% | 0.61x | 1.31x | $-5.44 Million |
| 2014 | 8.14% | 9.19% | 0.69x | 1.29x | $-3.30 Million |
| 2015 | 11.01% | 10.78% | 0.77x | 1.33x | $1.84 Million |
| 2016 | 9.95% | 8.94% | 0.84x | 1.33x | $-103.10K |
| 2017 | 0.18% | 0.13% | 0.73x | 1.85x | $-19.74 Million |
| 2018 | 6.81% | 4.76% | 0.76x | 1.87x | $-6.46 Million |
| 2019 | 11.73% | 8.06% | 0.72x | 2.02x | $3.87 Million |
| 2020 | 8.85% | 8.82% | 0.54x | 1.87x | $-4.39 Million |
| 2021 | 11.60% | 10.23% | 0.64x | 1.76x | $6.52 Million |
| 2022 | 13.13% | 11.08% | 0.71x | 1.67x | $12.54 Million |
| 2023 | 13.96% | 12.13% | 0.75x | 1.54x | $17.72 Million |
| 2024 | 15.05% | 13.31% | 0.78x | 1.44x | $24.22 Million |
Industry Comparison
This section compares Sapiens International Corporation NV's net assets metrics with peer companies in the Software - Application industry.
Industry Context
- Industry: Software - Application
- Average net assets among peers: $1,558,090,989
- Average return on equity (ROE) among peers: -47.81%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Sapiens International Corporation NV (SPNS) | $527.19 Million | -91.67% | 0.41x | $2.43 Billion |
| Abaxx Technologies Inc (ABXXF) | $42.03 Million | -128.66% | 0.23x | $201.28 Million |
| Acceleware Ltd (ACWRF) | $2.15 Million | -4.58% | 1.86x | $8.62 Million |
| Adobe Systems Incorporated (ADBE) | $6.67 Billion | 12.49% | 0.51x | $104.01 Billion |
| Adcore Inc (ADCOF) | $9.73 Million | -22.96% | 0.49x | $3.03 Million |
| ADEIA CORP (ADEA) | $618.15 Million | -0.05% | 1.00x | $2.50 Billion |
| Automatic Data Processing Inc (ADP) | $6.19 Billion | 22.71% | 4.21x | $84.26 Billion |
| Autodesk Inc (ADSK) | $2.04 Billion | 12.11% | 1.11x | $48.93 Billion |
| Allied Security Innovations Inc (ADSV) | $445.50K | -270.60% | 3.60x | $0.93 |
| AudioEye Inc (AEYE) | $10.59 Million | -98.53% | 1.31x | $49.31 Million |
| Affinity Networks Inc (AFFN) | $-470.19K | 0.00% | 0.00x | $0.97 |