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Market Price

27.50 

-0.24 -0.9%

as of May 17 '21

52 Week Range:

22.89 35.85


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Sapiens International Corporation N.V. provides software solutions for the insurance and financial services industries in North America, Europe, the Asia Pacific, and South Africa. The company offers Sapiens CoreSuite and Sapiens IDITSuite for personal, commercial, and specialty lines, as well as reinsurance and workers' compensation; and Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster for life, pension, and annuities. It also provides Sapiens DigitalSuite for insurance customers, agents, brokers, risk managers, customer groups and third-party service providers; Sapiens AgentConnect and Sapiens CustomerConnect portals; Sapiens Intelligence, an analytics platform; Sapiens IntelligencePro, a comprehensive BI solution with pre-configured reports, dashboards, and scorecards; and Sapiens Advanced Analytics, which uses AI and Machine Learning to generate actionable insights based on different models across the insurance value chain. In addition, the company offers Sapiens ReinsuranceMaster, Sapiens ReinsurancePro, and Sapiens Reinsurance GO reinsurance solutions; and Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, and Sapiens ClaimsPro, as well as Sapiens PolicyGo, Sapiens ClaimsGo, and Sapiens Connect for workers' compensation. Further, it provides financial and compliance solutions, which comprise Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and Sapiens Reporting Tools; and Sapiens Decision, an enterprise-scale platform that enables institutions to centrally author, store, and manage various organizational business logics. Additionally, the company offers tailor-made solutions based on its Sapiens eMerge platform; and program delivery, business, and managed services. It markets and sells its products and services through direct and partner sales. The company was founded in 1982 and is headquartered in Holon, Israel.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Equity (BVPS) 1.54
2.99
3.04
2.75
3.69
3.59
3.94
4.07
3.99
4.29
4.59
growth rate 94.2% 1.7% -9.5% 34.2% -2.7% 9.8% 3.3% -2.0% 7.5% 7.0%
Earnings BIT 6.35
5.73
12.20
11.90
14.91
24.35
24.84
2.35
23.02
37.87
48.74
growth rate -9.8% 112.9% -2.5% 25.3% 63.4% 2.0% -90.5% 879.7% 64.5% 28.7%
Avg.PE 8.29
19.61
14.14
28.09
28.03
27.83
33.54
1,237.14
56.44
56.44
56.44
growth rate 136.6% -27.9% 98.7% -0.2% -0.7% 20.5% 3,588.6% -95.4% 0.0% 0.0%
ROA 12.20
5.66
7.45
6.03
6.41
8.50
7.73
0.11
3.66
6.31
5.79
growth rate -53.6% 31.6% -19.1% 6.3% 32.6% -9.1% -98.6% 3,227.3% 72.4% -8.2%
ROE 20.42
8.23
10.38
8.08
8.38
11.23
10.33
0.18
6.87
12.36
11.16
growth rate -59.7% 26.1% -22.2% 3.7% 34.0% -8.0% -98.3% 3,716.7% 79.9% -9.7%
ROIC 21.60
8.26
10.40
8.06
8.25
11.06
10.23
0.45
5.65
9.06
8.20
growth rate -61.8% 25.9% -22.5% 2.4% 34.1% -7.5% -95.6% 1,155.6% 60.4% -9.5%
Cur. Ratio 1.25
1.24
1.59
2.66
2.20
2.09
2.52
1.87
1.60
1.40
1.85
growth rate -0.8% 28.2% 67.3% -17.3% -5.0% 20.6% -25.8% -14.4% -12.5% 32.1%
Quick Ratio 1.09
1.13
1.49
2.60
2.14
2.09
2.52
1.87
1.60
1.19
1.85
growth rate 3.7% 31.9% 74.5% -17.7% -2.3% 20.6% -25.8% -14.4% -25.6% 55.5%
Leverage 1.62
1.40
1.38
1.31
1.30
1.34
1.33
1.87
1.88
2.02
1.87
growth rate -13.6% -1.4% -5.1% -0.8% 3.1% -0.8% 40.6% 0.5% 7.5% -7.4%
Balance Sheet Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Acct.Receivable 5.50
17.71
16.30
23.70
35.31
33.85
41.07
59.51
65.38
58.04
84.80
growth rate 222.1% -8.0% 45.4% 49.0% -4.2% 21.4% 44.9% 9.9% -11.2% 46.1%
Acct.Payable 22.29
4.40
6.50
3.31
4.72
6.56
7.04
6.15
5.11
5.39
growth rate -80.3% 47.7% -49.1% 42.6% 39.0% 7.4% -12.7% -17.0% 5.5%
Cur.Assets 24.70
39.63
50.40
100.50
83.20
98.34
120.20
130.97
130.01
147.22
267.36
growth rate 60.4% 27.2% 99.4% -17.2% 18.2% 22.2% 9.0% -0.7% 13.2% 81.6%
Total Assets 58.70
153.47
162.60
222.40
233.21
242.27
257.85
373.62
378.87
452.42
714.16
growth rate 161.4% 6.0% 36.8% 4.9% 3.9% 6.4% 44.9% 1.4% 19.4% 57.9%
Cash 16.20
21.92
29.10
70.30
47.40
54.35
60.91
71.47
64.63
66.30
152.56
growth rate 35.3% 32.8% 141.6% -32.6% 14.7% 12.1% 17.3% -9.6% 2.6% 130.1%
Inventory 0.00 0.00
growth rate
Cur.Liabilities 19.90
31.89
31.70
37.70
39.53
47.00
47.75
70.17
81.10
104.91
144.78
growth rate 60.3% -0.6% 18.9% 4.9% 18.9% 1.6% 47.0% 15.6% 29.4% 38.0%
Liabilities 24.80
43.22
45.00
52.70
54.76
60.08
62.55
171.39
176.38
226.92
329.95
growth rate 74.3% 4.1% 17.1% 3.9% 9.7% 4.1% 174.0% 2.9% 28.7% 45.4%
LT Debt 0.00
0.00
0.00
0.00
0.00
0.00
0.00
78.28
68.58
58.85
98.68
growth rate -12.4% -14.2% 67.7%
Equity 34.00
109.29
117.60
169.80
177.60
180.94
193.60
200.04
201.04
223.82
381.69
growth rate 221.4% 7.6% 44.4% 4.6% 1.9% 7.0% 3.3% 0.5% 11.3% 70.5%
Common Shares 22.00
31.00
42.00
42.00
49.00
49.00
50.00
50.00
50.00
51.00
52.00
growth rate 40.9% 35.5% 0.0% 16.7% 0.0% 2.0% 0.0% 0.0% 2.0% 2.0%
Cash Flow Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Capital Expenditures 0.70
0.48
1.00
4.00
1.47
2.82
4.66
2.62
1.91
11.47
2.63
growth rate -31.1% 107.5% 300.0% -63.3% 91.8% 65.7% -43.8% -27.0% 499.5% -77.1%
Cash Dividends 0.00
0.13
0.20
6.00
0.11
9.98
11.01
7.04
9.98
11.01
7.04
growth rate 49.3% 2,900.0% -98.2% 9,313.2% 10.3% -36.0% 41.7% 10.3% -36.0%
Cash From OA 12.00
8.41
18.80
17.30
21.56
40.44
26.04
9.25
27.70
66.16
58.26
growth rate -29.9% 123.5% -8.0% 24.6% 87.6% -35.6% -64.5% 199.5% 138.8% -11.9%
FCF per Share 0.27
0.24
0.34
0.14
0.32
0.52
0.51
-0.02
0.23
0.82
0.96
growth rate -11.1% 41.7% -58.8% 128.6% 62.5% -1.9% -100.0% 100.0% 256.5% 17.1%
Sale Purchase of Stock 0.21
-7.00
0.00
1.57
1.57
0.89
2.45
growth rate -100.0% 0.0% -0.1% -43.2% 175.6%
FCF 6.00
3.00
14.00
8.00
14.00
32.00
16.00
6.63
21.00
49.00
47.00
growth rate -50.0% 366.7% -42.9% 75.0% 128.6% -50.0% -58.6% 216.9% 133.3% -4.1%
Income Statement Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20
Sales 52.20
69.93
113.90
135.40
157.45
185.64
216.19
269.19
289.71
325.67
382.90
growth rate 34.0% 62.9% 18.9% 16.3% 17.9% 16.5% 24.5% 7.6% 12.4% 17.6%
Op.Income 6.70
5.90
11.80
11.60
14.91
24.35
24.84
2.35
23.02
37.87
48.74
growth rate -12.0% 100.1% -1.7% 28.5% 63.4% 2.0% -90.5% 879.7% 64.5% 28.7%
IBT 6.30
5.73
12.20
11.90
15.03
24.51
25.37
-2.01
19.03
35.10
41.20
growth rate -9.1% 113.0% -2.5% 26.3% 63.1% 3.5% -100.0% 100.0% 84.4% 17.4%
Net Income 6.20
5.90
11.80
11.60
14.46
20.02
19.34
0.35
13.79
26.25
33.78
growth rate -4.9% 100.1% -1.7% 24.7% 38.4% -3.4% -98.2% 3,816.2% 90.4% 28.7%
EPS 0.28
0.19
0.28
0.27
0.30
0.41
0.40
0.01
0.28
0.52
0.65
growth rate -32.1% 47.4% -3.6% 11.1% 36.7% -2.4% -97.5% 2,700.0% 85.7% 25.0%
Gross Profit 22.30
29.86
54.80
50.40
58.36
74.44
85.79
93.52
109.57
129.52
155.97
growth rate 33.9% 83.5% -8.0% 15.8% 27.6% 15.2% 9.0% 17.2% 18.2% 20.4%
R&D 3.30
5.01
10.20
11.80
11.35
10.24
16.49
31.96
34.41
37.38
41.36
growth rate 51.8% 103.7% 15.7% -3.8% -9.8% 61.1% 93.8% 7.7% 8.6% 10.7%

Quarterly Statements

Item Name Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Earnings BIT -1.01
10.28
12.94
12.10
13.96
growth rate 100.0% 25.9% -6.5% 15.4%
Balance Sheet Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Acct.Receivable 58.04
68.06
72.01
74.20
84.80
growth rate 17.3% 5.8% 3.1% 14.3%
Acct.Payable 5.11
5.65
5.74
5.31
5.39
growth rate 10.6% 1.6% -7.5% 1.6%
Cur.Assets 147.22
147.62
199.99
205.87
267.36
growth rate 0.3% 35.5% 2.9% 29.9%
Total Assets 452.42
468.32
527.29
550.08
714.16
growth rate 3.5% 12.6% 4.3% 29.8%
Cash 66.30
79.56
127.98
131.67
152.56
growth rate 20.0% 60.9% 2.9% 15.9%
Cur.Liabilities 104.91
129.15
124.11
128.58
144.78
growth rate 23.1% -3.9% 3.6% 12.6%
Liabilities 226.92
240.47
289.78
296.71
329.95
growth rate 6.0% 20.5% 2.4% 11.2%
LT Debt 58.85
48.99
98.43
98.68
98.68
growth rate -16.8% 101.0% 0.3% 0.0%
Equity 223.82
227.85
235.27
252.90
381.69
growth rate 1.8% 3.3% 7.5% 50.9%
Common Shares 51.01
227.85
0.70
252.90
0.75
growth rate 346.7% -99.7% 36,028.6% -99.7%
Cash Flow Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Capital Expenditures 3.62
0.55
0.39
0.96
0.73
growth rate -84.7% -28.8% 145.0% -24.7%
Cash Dividends 0.65
6.63
6.63
0.41
0.00
growth rate 925.0% 0.0% -93.8% -100.0%
Cash From OA 21.43
5.76
14.76
16.71
21.03
growth rate -73.1% 156.3% 13.2% 25.9%
Sale Purchase of Stock
growth rate
FCF 17.81
5.21
14.37
15.74
20.31
growth rate -70.8% 175.9% 9.6% 29.0%
Income Statement Dec '19 Mar '20 Jun '20 Sep '20 Dec '20
Sales 86.72
90.53
93.06
97.65
101.66
growth rate 4.4% 2.8% 4.9% 4.1%
Op.Income 0.01
10.28
12.94
12.10
13.96
growth rate 128,375.0% 25.9% -6.5% 15.4%
IBT -1.01
8.79
12.34
11.06
9.01
growth rate 100.0% 40.4% -10.4% -18.5%
Net Income -2.10
6.82
9.30
9.34
8.32
growth rate 100.0% 36.3% 0.5% -10.9%
EPS
growth rate
Gross Profit 24.91
36.26
38.26
40.08
41.37
growth rate 45.6% 5.5% 4.8% 3.2%
R&D 5.73
10.53
9.33
10.38
11.13
growth rate 83.7% -11.4% 11.2% 7.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

A (86.77)

YOY Growth Grade:

C (50.63)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 56.44 39.29 20.88
EPS / Growth -0.9% 0.70 33.0%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 25.1%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 19.7% 19.7%
Future PE 2.00 38.91 38.91
Future EPS 0.77 4.23 4.23
Value Price
MOS %
0.38
-98.6%
40.65
47.8%
40.65
47.8%
MOS Price 0.19 20.33 20.33
IRT 33.02 11.17 11.17

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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