---
title: "Sapiens (SPNS.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/SPNS.US.md"
symbol: "SPNS.US"
name: "Sapiens"
industry: "应用软件"
---

# Sapiens (SPNS.US)

| Item | Detail |
|------|--------|
| Industry | 应用软件 |

## Company Profile

Sapiens International Corporation N.V. 提供针对北美、英国、欧洲及国际市场的保险行业软件解决方案。该公司为财产与意外险、寿险与养老金以及再保险领域提供多种解决方案。它还提供 IDITSuite，一款基于人工智能的端到端保险软件；DigitalSuite，一款云原生、面向未来的数字互动平台；财产与意外险商业线的咨询服务；以及 Tia 企业解决方案，用于客户互动

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-20T04:30:14.000Z

**Overall: B (0.33)**

**Industry**: Application Software

| Metric | Value |
|--------|-------|
| Industry Ranking | 77 / 272 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Small - The company's operation has a high degree of growth and volatility, making it easy to achieve high investment returns.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 4.71% |  |
| Net Profit YoY | -9.75% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.00 |  |
| Dividend Ratio | 0.00% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 0.00 |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 564.33M |  |


**Multi Score**: B

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 13.07% | B |
| Profit Margin | 11.40% | B |
| Gross Margin | 44.19% | B |

#### Growth Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 4.71% | C |
| Net Profit YoY | -9.75% | D |
| Total Assets YoY | 8.84% | B |
| Net Assets YoY | 11.86% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 877.18% | B |
| OCF YoY | 4.71% | C |

#### Operating Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.79 | B |

#### Debt Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 29.11% | B |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Sapiens",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "13.07%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "11.40%",
          "rating": "B"
        },
        {
          "name": "Gross Margin",
          "value": "44.19%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "C",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "4.71%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "-9.75%",
          "rating": "D"
        },
        {
          "name": "Total Assets YoY",
          "value": "8.84%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "11.86%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "877.18%",
          "rating": "B"
        },
        {
          "name": "OCF YoY",
          "value": "4.71%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "B",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.79",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "B",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "29.11%",
          "rating": "B"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Palantir Tech (US.PLTR) | A | A | B | A | B | A |
| 02 | Red Violet (US.RDVT) | B | A | B | A | B | A |
| 03 | SAP (US.SAP) | A | B | C | B | B | B |
| 04 | 赛富时 (US.CRM) | A | B | C | B | C | B |
| 05 | AppLovin (US.APP) | A | A | B | D | C | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 37.75 | 60/249 | 37.73 | 34.92 | 21.47 |
| PB | 4.73 | 122/249 | 4.81 | 4.70 | 3.26 |
| PS (TTM) | 4.30 | 116/249 | 4.37 | 4.27 | 2.87 |
| Dividend Yield | 0.00% | 8/249 | 3.35% | 2.21% | 1.53% |

## Institutional View

### Analyst Rating Distribution

> As of 2025-11-14T05:00:00.000Z

Total Analysts: **4**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 0 | 0% |
| Overweight | 0 | 0% |
| Hold | 3 | 75% |
| Underweight | 1 | 25% |
| Sell | 0 | 0% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 43.45 |

## References

- [Company Overview](https://longbridge.com/en/quote/SPNS.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/SPNS.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/SPNS.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.