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Upturn AI SWOT - About
SPNS 
Sapiens International Corporation NV (SPNS)
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Upturn Advisory Summary
04/01/2025: SPNS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -28.16% | Avg. Invested days 51 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.52B USD | Price to earnings Ratio 21 | 1Y Target Price 29 |
Price to earnings Ratio 21 | 1Y Target Price 29 | ||
Volume (30-day avg) 149504 | Beta 1.17 | 52 Weeks Range 25.01 - 40.89 | Updated Date 03/31/2025 |
52 Weeks Range 25.01 - 40.89 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 2.14% | Basic EPS (TTM) 1.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.31% | Operating Margin (TTM) 16.16% |
Management Effectiveness
Return on Assets (TTM) 7.77% | Return on Equity (TTM) 15.56% |
Valuation
Trailing PE 21 | Forward PE 29.59 | Enterprise Value 1361809846 | Price to Sales(TTM) 2.83 |
Enterprise Value 1361809846 | Price to Sales(TTM) 2.83 | ||
Enterprise Value to Revenue 2.51 | Enterprise Value to EBITDA 12.86 | Shares Outstanding 55886800 | Shares Floating 30617816 |
Shares Outstanding 55886800 | Shares Floating 30617816 | ||
Percent Insiders 45.06 | Percent Institutions 37.64 |
Analyst Ratings
Rating 3.2 | Target Price 31.75 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Sapiens International Corporation NV
Company Overview
History and Background
Sapiens International Corporation NV was founded in 1982. Originally part of the Formula Group, it became an independent company specializing in software solutions for the insurance industry. Over time, Sapiens has expanded its offerings and global presence through organic growth and acquisitions.
Core Business Areas
- P&C Insurance: Offers solutions for property and casualty insurers, including policy administration, claims management, and billing.
- Life, Annuity, and Health Insurance: Provides solutions for life, annuity, and health insurers, covering areas like policy administration, underwriting, and claims.
- Reinsurance: Delivers reinsurance-specific solutions covering the full cycle of reinsurance activities.
Leadership and Structure
Sapiens is led by a management team with industry expertise. The organizational structure includes departments for product development, sales, marketing, and customer support. The CEO is usually a central leadership figure.
Top Products and Market Share
Key Offerings
- Sapiens ALIS: A comprehensive solution for life, annuity, and pension insurers, providing policy administration, claims processing, and digital capabilities. Market share varies regionally, difficult to pinpoint a global number as Sapiens competes with core insurance platform providers. Competitors include Guidewire (GWRE), Duck Creek Technologies, and Insurity.
- Sapiens IDITSuite: A core suite for property and casualty insurers, covering policy administration, billing, and claims. The company has established itself as a vendor of choice for small to medium-size insurance companies. Competitors include Guidewire (GWRE), Duck Creek Technologies, and Insurity.
Market Dynamics
Industry Overview
The insurance software market is driven by the need for digital transformation, regulatory compliance, and improved customer experience. Growth is fueled by cloud adoption and the increasing complexity of insurance products.
Positioning
Sapiens is a mid-tier player in the insurance software market, focusing on providing end-to-end solutions for specific insurance verticals. Its competitive advantage lies in its deep industry expertise and tailored solutions.
Total Addressable Market (TAM)
The global insurance software market is estimated to be worth billions of dollars. Sapiens aims to capture a significant portion of this TAM by focusing on specific segments and geographic regions.
Upturn SWOT Analysis
Strengths
- Specialized insurance software solutions
- Strong industry expertise
- Established customer base
- Comprehensive product portfolio
Weaknesses
- Smaller market share compared to larger competitors
- Potential challenges in integrating acquired companies
- Reliance on the insurance industry's growth
- Limited brand recognition outside specific regions.
Opportunities
- Expanding into new geographic markets
- Acquiring complementary technologies or businesses
- Leveraging cloud computing for scalability
- Developing innovative insurance products.
Threats
- Intense competition from larger players
- Rapid technological changes
- Economic downturns affecting insurance spending
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- GWRE
- DCT
- INSU
Competitive Landscape
Sapiens faces competition from larger, more established players. To succeed, Sapiens needs to differentiate its solutions and focus on its core strengths.
Major Acquisitions
TIA Technology
- Year: 2020
- Acquisition Price (USD millions): 91
- Strategic Rationale: Enhanced Sapiens' presence in the Nordic region and expanded its product portfolio with TIA's insurance solutions.
Growth Trajectory and Initiatives
Historical Growth: Sapiens has demonstrated consistent revenue growth through organic expansion and strategic acquisitions.
Future Projections: Analysts project continued growth for Sapiens, driven by demand for digital insurance solutions.
Recent Initiatives: Recent initiatives include expanding cloud offerings, launching new products, and making strategic acquisitions.
Summary
Sapiens International Corporation NV holds a notable position in the insurance software market through its specialized solutions and industry expertise. Strengths include its focused product portfolio and established customer base, however, it faces challenges from larger competitors and rapid tech changes. Strategic initiatives like cloud adoption and targeted acquisitions will be important for future success. Maintaining focus on innovation and customer satisfaction is key.
Similar Companies
GWRE
Guidewire Software Inc
GWRE
Guidewire Software Inc
Sources and Disclaimers
Data Sources:
- Sapiens International Corporation NV Investor Relations
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Sapiens International Corporation NV
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 1992-05-29 | President, CEO & Director Mr. Roni Al-Dor | ||
Sector Technology | Industry Software - Application | Full time employees 4850 | Website https://www.sapiens.com |
Full time employees 4850 | Website https://www.sapiens.com | ||
Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe, the Middle East, Africa, the Asia Pacific, and internationally. The company provides various solutions for property and casualty commercial and personal lines, life and pensions, and reinsurance fields. It offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; IDITGo, a pre-configured, data-enriched insurance launch and accelerator platform solutions; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement. The company also provides CoreSuite, an end-to-end cloud and digital PAS for individual and group products across life, health, wealth, and pensions; CustomerConnect, a dynamic self-service and persona-based portal to engage with insureds; AgentConnect, a portal for agents and brokers to focus on sales enablement, customer retention, and increasing customer value; and ReinsuranceMaster, a reinsurance automation software that provides insurers full financial control and flexibility over their entire reinsurance process. The company was founded in 1982 and is headquartered in Holon, Israel.
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