Sapiens International Corporation NV (SPNS) - Net Assets

Latest as of September 2025: ILA527.19 Million ILA ≈ $1.41 Million USD

Based on the latest financial reports, Sapiens International Corporation NV (SPNS) has net assets worth ILA527.19 Million ILA (≈ $1.41 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 (ILA743.69 Million ≈ $1.99 Million USD) and total liabilities (ILA216.50 Million ≈ $580.42K USD). 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. Check SPNS asset resilience ratio to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric Value
Current Net Assets ILA527.19 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. Also explore Sapiens International Corporation NV (SPNS) total assets for the complete picture of this company's asset base.

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. For live valuation and market cap data, see Sapiens International Corporation NV market cap and net worth.

Year Net Assets Change
2024-12-31 ILA479.63 Million
≈ $1.29 Million		 +6.60%
2023-12-31 ILA449.95 Million
≈ $1.21 Million		 +11.69%
2022-12-31 ILA402.85 Million
≈ $1.08 Million		 -1.44%
2021-12-31 ILA408.72 Million
≈ $1.10 Million		 +6.52%
2020-12-31 ILA383.69 Million
≈ $1.03 Million		 +70.15%
2019-12-31 ILA225.50 Million
≈ $604.55K		 +11.37%
2018-12-31 ILA202.48 Million
≈ $542.85K		 +0.80%
2017-12-31 ILA200.87 Million
≈ $538.54K		 +3.34%
2016-12-31 ILA194.39 Million
≈ $521.16K		 +6.92%
2015-12-31 ILA181.81 Million
≈ $487.42K		 +3.19%
2014-12-31 ILA176.20 Million
≈ $472.38K		 +3.40%
2013-12-31 ILA170.41 Million
≈ $456.86K		 +43.88%
2012-12-31 ILA118.44 Million
≈ $317.53K		 +3.24%
2011-12-31 ILA114.72 Million
≈ $307.57K		 +236.25%
2010-12-31 ILA34.12 Million
≈ $91.47K		 +29.16%
2009-12-31 ILA26.41 Million
≈ $70.82K		 +20.75%
2008-12-31 ILA21.88 Million
≈ $58.65K		 +0.12%
2007-12-31 ILA21.85 Million
≈ $58.58K		 +456.12%
2006-12-31 ILA3.93 Million
≈ $10.53K		 +8.18%
2005-12-31 ILA3.63 Million
≈ $9.74K		 -69.93%
2004-12-31 ILA12.08 Million
≈ $32.39K		 -13.70%
2003-12-31 ILA14.00 Million
≈ $37.53K		 -12.40%
2002-12-31 ILA15.98 Million
≈ $42.84K		 +48.79%
2001-12-31 ILA10.74 Million
≈ $28.79K		 -43.16%
2000-12-31 ILA18.90 Million
≈ $50.66K		 -63.25%
1999-12-31 ILA51.41 Million
≈ $137.84K		 +55.33%
1998-12-31 ILA33.10 Million
≈ $88.74K		 +64.68%
1997-12-31 ILA20.10 Million
≈ $53.89K		 +179.17%
1996-12-31 ILA7.20 Million
≈ $19.30K		 --

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 ILA160.23 Million 33.41%
Common Stock ILA762.00K 0.16%
Other Comprehensive Income ILA-26.92 Million -5.61%
Other Components ILA345.56 Million 72.05%
Total Equity ILA479.63 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
Sociedad Punta del Cobre S.A
SN:PUCOBRE
 $2.09 Billion
INTERNET IN.JP.ADR 1 ON
F:IIJ
 $2.09 Billion
Investment and Industrial Development Joint Stock Corp
VN:BCM
 $2.09 Billion
Chengdu Xuguang Electronics Co Ltd
SHG:600353
 $2.09 Billion
Versigent PLC
NYSE:VGNT
 $2.09 Billion
Eos Energy Enterprises Inc
NASDAQ:EOSE
 $2.09 Billion
Genesis Energy LP
NYSE:GEL
 $2.09 Billion
DRDGOLD Limited
JSE:DRD
 $2.09 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 ILA72.18 Million +15.05%
Dividends Paid ILA31.82 Million -6.63%
Other Comprehensive Income ILA-9.66 Million -2.01%
Other Changes ILA1.66 Million +0.35%
Total Change ILA- 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: 1633.25x
  • 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 increased from 975.00x to 1633.25x over the analyzed period, suggesting growing market confidence.

Historical Price-to-Book Ratios

Date Book Value per Share Market Price P/B Ratio
1996-12-31 ILA14.31 ILA13950.00 x
1997-12-31 ILA28.71 ILA13950.00 x
1998-12-31 ILA38.33 ILA13950.00 x
1999-12-31 ILA54.53 ILA13950.00 x
2000-12-31 ILA20.77 ILA13950.00 x
2001-12-31 ILA11.19 ILA13950.00 x
2002-12-31 ILA10.94 ILA13950.00 x
2003-12-31 ILA1.30 ILA13950.00 x
2004-12-31 ILA1.07 ILA13950.00 x
2005-12-31 ILA0.30 ILA13950.00 x
2006-12-31 ILA0.29 ILA13950.00 x
2007-12-31 ILA1.20 ILA13950.00 x
2008-12-31 ILA1.01 ILA13950.00 x
2009-12-31 ILA1.22 ILA13950.00 x
2010-12-31 ILA1.54 ILA13950.00 x
2011-12-31 ILA3.73 ILA13950.00 x
2012-12-31 ILA2.84 ILA13950.00 x
2013-12-31 ILA4.03 ILA13950.00 x
2014-12-31 ILA3.62 ILA13950.00 x
2015-12-31 ILA3.69 ILA13950.00 x
2016-12-31 ILA3.91 ILA13950.00 x
2017-12-31 ILA4.02 ILA13950.00 x
2018-12-31 ILA4.04 ILA13950.00 x
2019-12-31 ILA4.45 ILA13950.00 x
2020-12-31 ILA7.36 ILA13950.00 x
2021-12-31 ILA7.35 ILA13950.00 x
2022-12-31 ILA7.25 ILA13950.00 x
2023-12-31 ILA8.03 ILA13950.00 x
2024-12-31 ILA8.54 ILA13950.00 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 (-22.80%), 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 ILA-7.32 Million
1997 22.39% 10.09% 0.77x 2.87x ILA2.49 Million
1998 29.31% 13.66% 0.97x 2.21x ILA6.39 Million
1999 25.42% 14.23% 1.08x 1.66x ILA7.93 Million
2000 -201.56% -52.36% 0.79x 4.89x ILA-39.98 Million
2001 -167.32% -28.33% 0.90x 6.56x ILA-19.04 Million
2002 -32.42% -7.95% 1.00x 4.10x ILA-6.74 Million
2003 -15.70% -4.18% 0.68x 5.51x ILA-3.58 Million
2004 -40.08% -10.13% 0.70x 5.69x ILA-6.05 Million
2005 -250.52% -23.09% 0.76x 14.28x ILA-9.46 Million
2006 -97.35% -8.63% 0.97x 11.61x ILA-4.22 Million
2007 -11.64% -6.00% 0.81x 2.40x ILA-4.73 Million
2008 -1.58% -0.79% 0.96x 2.08x ILA-2.52 Million
2009 15.90% 9.19% 1.00x 1.73x ILA1.56 Million
2010 18.03% 11.78% 0.95x 1.61x ILA2.74 Million
2011 5.14% 8.43% 0.44x 1.37x ILA-5.58 Million
2012 9.95% 10.34% 0.70x 1.37x ILA-63.90K
2013 6.81% 8.57% 0.61x 1.31x ILA-5.44 Million
2014 8.21% 9.19% 0.69x 1.30x ILA-3.16 Million
2015 11.01% 10.78% 0.77x 1.33x ILA1.84 Million
2016 9.95% 8.94% 0.84x 1.33x ILA-103.10K
2017 0.18% 0.13% 0.73x 1.85x ILA-19.74 Million
2018 6.81% 4.76% 0.76x 1.87x ILA-6.46 Million
2019 17.25% 11.94% 0.72x 2.01x ILA16.35 Million
2020 8.80% 8.82% 0.54x 1.86x ILA-4.59 Million
2021 11.54% 10.23% 0.64x 1.75x ILA6.30 Million
2022 13.06% 11.08% 0.71x 1.66x ILA12.31 Million
2023 13.96% 12.13% 0.75x 1.54x ILA17.72 Million
2024 15.05% 13.31% 0.78x 1.44x ILA24.22 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: $93,143,967
  • Average return on equity (ROE) among peers: -36.35%

Peer Company Comparison

Company Net Assets Return on Equity Debt-to-Equity Market Cap
Sapiens International Corporation NV (SPNS) ILA527.19 Million -91.67% 0.41x $2.09 Billion
Abra Information Technologies (ABRA) $46.03 Million 39.39% 0.38x $118.15 Million
Idomoo Ltd (IDMO) $-8.20 Million 0.00% 0.00x $14.65 Million
Nice Ltd (NICE) $167.02 Million -28.02% 0.26x $4.74 Billion
Nrgene Technologies Ltd (NRGN) $17.68 Million -47.16% 0.49x $8.84 Million
One Software Technologies Ltd (ONE) $326.75 Million 25.22% 2.16x $1.27 Billion
Photomyne Ltd (PHTM) $3.69 Million -133.70% 2.41x $14.44 Million
Sarine Technologies Ltd (SARN) $67.33 Million 35.48% 0.21x $43.59 Million
Synel M.L.L Payway Ltd (SNEL) $200.61 Million 13.56% 1.76x $27.17 Million
Tectona (TECT) $17.39 Million -231.96% 0.16x $18.46 Million

About Sapiens International Corporation NV

TA:SPNS Israel Software - Application
Market Cap
$2.09 Billion
ILA779.81 Billion ILA
Market Cap Rank
#6091 Global
#47 in Israel
Share Price
ILA13950.00
Change (1 day)
-0.29%
52-Week Range
ILA9096.00 - ILA14560.00
All Time High
ILA14760.00
Categories
Companies in Israel Software - Application Technology AI & Machine Learning
About

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