Sapiens International Corporation NV (SPNS) - Total Liabilities

Latest as of September 2025: ILA216.50 Million ILA ≈ $580.42K USD

Based on the latest financial reports, Sapiens International Corporation NV (SPNS) has total liabilities worth ILA216.50 Million ILA (≈ $580.42K USD) as of September 2025. Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities. Explore Sapiens International Corporation NV long-term investment allocation to see how much of total assets are deployed in long-term investments.

Sapiens International Corporation NV - Total Liabilities Trend (1996–2024)

This chart illustrates how Sapiens International Corporation NV's total liabilities have evolved over time, based on quarterly financial data. For the complete balance sheet picture, see Sapiens International Corporation NV asset portfolio.

Sapiens International Corporation NV Competitors by Total Liabilities

The table below lists competitors of Sapiens International Corporation NV ranked by their total liabilities.

Company	Country	Total Liabilities
INTERNET IN.JP.ADR 1 ON F:IIJ	Germany	€182.85 Billion
Cosmax Inc KO:192820	Korea	₩1.55 Trillion
Arion banki hf ST:ARION-SDB	Sweden	Skr1.64 Trillion
PSG Konsult Ltd JSE:KST	South Africa	ZAC151.99 Billion
North Chemical Industries Co Ltd SHE:002246	China	CN¥1.75 Billion
Migros Ticaret AS IS:MGROS	Turkey	TL118.99 Billion
Chalet Hotels Limited NSE:CHALET	India	Rs35.59 Billion
The Navigator Company SA LS:NVG	Portugal	€1.91 Billion

Liability Composition Analysis (1996–2024)

This chart breaks down Sapiens International Corporation NV's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted. See how leveraged is Sapiens International Corporation NV's balance sheet to measure how much of total assets are equity-financed.

Liquidity & Leverage Metrics

Key Metrics Explained

Metric	Value	Description
Current Ratio	1.52	Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities)
Quick Ratio	N/A	More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities)
Cash Ratio	N/A	Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities)
Debt to Equity	0.42	Measures financial leverage (Total Liabilities ÷ Shareholder Equity)
Debt to Assets	0.29	Portion of assets financed with debt (Total Liabilities ÷ Total Assets)

Liability Trends Comparison

This chart compares key liability metrics across different time periods, showing how Sapiens International Corporation NV's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.

Annual Total Liabilities for Sapiens International Corporation NV (1996–2024)

The table below shows the annual total liabilities of Sapiens International Corporation NV from 1996 to 2024.

Year	Total Liabilities	Change
2024-12-31	ILA212.08 Million ≈ $568.58K	-11.51%
2023-12-31	ILA239.68 Million ≈ $642.57K	-9.18%
2022-12-31	ILA263.90 Million ≈ $707.50K	-13.84%
2021-12-31	ILA306.27 Million ≈ $821.11K	-7.32%
2020-12-31	ILA330.47 Million ≈ $885.97K	+45.63%
2019-12-31	ILA226.92 Million ≈ $608.37K	+28.66%
2018-12-31	ILA176.38 Million ≈ $472.87K	+3.50%
2017-12-31	ILA170.42 Million ≈ $456.89K	+168.55%
2016-12-31	ILA63.46 Million ≈ $170.13K	+4.96%
2015-12-31	ILA60.46 Million ≈ $162.10K	+14.89%
2014-12-31	ILA52.63 Million ≈ $141.09K	+0.95%
2013-12-31	ILA52.13 Million ≈ $139.76K	+18.09%
2012-12-31	ILA44.15 Million ≈ $118.35K	+3.25%
2011-12-31	ILA42.76 Million ≈ $114.63K	+104.08%
2010-12-31	ILA20.95 Million ≈ $56.17K	+8.22%
2009-12-31	ILA19.36 Million ≈ $51.90K	-16.92%
2008-12-31	ILA23.30 Million ≈ $62.47K	-24.06%
2007-12-31	ILA30.68 Million ≈ $82.26K	-26.40%
2006-12-31	ILA41.69 Million ≈ $111.77K	-13.57%
2005-12-31	ILA48.23 Million ≈ $129.31K	-14.86%
2004-12-31	ILA56.65 Million ≈ $151.89K	-9.68%
2003-12-31	ILA62.73 Million ≈ $168.16K	+27.56%
2002-12-31	ILA49.17 Million ≈ $131.83K	-17.67%
2001-12-31	ILA59.72 Million ≈ $160.12K	-18.75%
2000-12-31	ILA73.50 Million ≈ $197.06K	+118.17%
1999-12-31	ILA33.69 Million ≈ $90.32K	-16.19%
1998-12-31	ILA40.20 Million ≈ $107.77K	+7.20%
1997-12-31	ILA37.50 Million ≈ $100.54K	-12.79%
1996-12-31	ILA43.00 Million ≈ $115.28K	--

About Sapiens International Corporation NV

TA:SPNS Israel Software - Application

Market Cap

$2.09 Billion

ILA779.81 Billion ILA

Market Cap Rank

#6020 Global

#43 in Israel

Share Price

ILA13950.00

Change (1 day)

-0.29%

52-Week Range

ILA13820.00 - ILA14390.00

All Time High

ILA14760.00