Last 46 quarters of trend data · Technology · Software - Application
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Sapiens International Corporation N.V.'s quarterly P/E stands at 43.0x, up 52.3% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 33.8% YoY to 30.3x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 33.68 | 43.00 | 29.25 | 21.16 | 20.99 | 28.23 | 25.70 | 25.94 | 24.12 | 25.38 | 23.75 | 20.88 | 19.25 |
| — | +52.3% | +13.8% | -18.4% | -13.0% | +11.2% | +8.2% | +24.2% | +25.3% | +27.1% | -17.5% | -17.7% | -44.1% | |
| P/S Ratio | 4.48 | 3.98 | 2.90 | 2.79 | 2.81 | 3.83 | 3.48 | 3.35 | 3.09 | 3.04 | 2.88 | 2.42 | 2.15 |
| — | +4.0% | -16.9% | -16.9% | -9.1% | +26.2% | +20.9% | +38.6% | +44.0% | +35.5% | +1.7% | -19.4% | -46.6% | |
| P/B Ratio | 5.09 | 4.60 | 3.20 | 3.20 | 3.15 | 4.45 | 4.14 | 4.06 | 3.60 | 3.78 | 3.53 | 2.89 | 2.55 |
| — | +3.4% | -22.7% | -21.2% | -12.5% | +17.8% | +17.4% | +40.6% | +41.2% | +33.8% | +0.5% | -14.6% | -45.7% | |
| P/FCF | 33.63 | 59.60 | — | 16.46 | 9.48 | 52.00 | 60.54 | 27.61 | 11.03 | 150.71 | 30.45 | 15.32 | 20.41 |
| — | +14.6% | — | -40.4% | -14.0% | -65.5% | +98.8% | +80.3% | -46.0% | +4.3% | -52.3% | -30.0% | +3.0% | |
| EV / EBITDA | 22.11 | 30.32 | 17.69 | 13.60 | 14.20 | 22.66 | 17.36 | 16.70 | 16.28 | 18.74 | 14.81 | 12.15 | 11.95 |
| — | +33.8% | +1.9% | -18.6% | -12.8% | +20.9% | +17.3% | +37.4% | +36.3% | +29.3% | -1.5% | -20.3% | -45.0% | |
| EV / EBIT | 25.49 | 33.61 | 24.12 | 16.72 | 16.24 | 23.17 | 21.09 | 21.30 | 19.07 | 19.45 | 18.83 | 15.63 | 14.90 |
| — | +45.1% | +14.4% | -21.5% | -14.9% | +19.1% | +12.0% | +36.2% | +28.0% | +24.2% | -3.8% | -24.4% | -50.0% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Sapiens International Corporation N.V.'s operating margin was 11.7% in Q3 2025, down 0.2 pp QoQ and down 4.2 pp YoY. This marks the 4th consecutive quarter of margin compression, signaling a persistent pressure on profitability that investors should monitor. The trailing four-quarter average of 13.8% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 45.0% | 44.2% | 43.7% | 44.6% | 44.8% | 44.0% | 43.9% | 42.9% | 42.8% | 42.8% | 42.6% | 42.5% | 42.1% |
| — | +0.4% | -0.5% | +3.9% | +4.7% | +2.8% | +3.1% | +0.8% | +1.5% | +1.3% | +0.7% | +1.3% | +3.2% | |
| Operating Margin | 16.8% | 11.7% | 11.9% | 15.6% | 16.2% | 15.9% | 16.0% | 15.3% | 15.4% | 15.5% | 15.3% | 15.1% | 13.8% |
| — | -26.5% | -25.8% | +1.9% | +5.2% | +2.4% | +4.6% | +0.9% | +11.3% | +11.5% | +7.2% | +7.7% | +4.6% | |
| Net Margin | 13.3% | 9.4% | 10.1% | 13.2% | 13.3% | 13.4% | 13.6% | 12.9% | 13.0% | 12.1% | 12.0% | 11.4% | 11.2% |
| — | -29.8% | -26.1% | +1.9% | +2.6% | +10.2% | +13.4% | +13.6% | +15.9% | +7.9% | +19.5% | -3.8% | -2.4% |
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 15.5% | 2.8% | 2.9% | 3.8% | 3.8% | 3.9% | 4.1% | 3.9% | 3.9% | 3.8% | 3.7% | 3.5% | 3.4% |
| — | -30.1% | -30.0% | -3.2% | -3.7% | +4.0% | +12.0% | +12.4% | +13.9% | +7.4% | +23.7% | +2.6% | +0.2% | |
| ROA | 10.5% | 1.9% | 2.0% | 2.6% | 2.6% | 2.7% | 2.8% | 2.5% | 2.5% | 2.4% | 2.3% | 2.1% | 2.0% |
| — | -29.0% | -28.9% | +0.9% | +2.6% | +11.4% | +17.7% | +18.6% | +24.2% | +18.0% | +33.9% | +8.9% | +5.6% | |
| ROIC | 17.4% | 2.7% | 2.9% | 4.2% | 4.2% | 4.1% | 4.1% | 3.8% | 3.7% | 3.7% | 3.6% | 3.8% | 3.5% |
| — | -34.4% | -29.9% | +9.8% | +15.4% | +12.7% | +14.2% | +1.8% | +5.1% | +5.0% | +5.3% | +12.4% | +13.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Sapiens International Corporation N.V.'s Debt/EBITDA ratio is 2.2x, up from 2.0x last quarter — at a moderate level that warrants monitoring. The current ratio has weakened 30.5% YoY to 1.52x, tightening the short-term liquidity position. Debt/Equity has declined for 4 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.13 | 0.08 | 0.09 | 0.09 | 0.13 | 0.13 | 0.14 | 0.15 | 0.19 | 0.21 | 0.21 | 0.22 | 0.29 |
| — | -38.2% | -35.4% | -37.3% | -31.3% | -35.7% | -35.3% | -33.2% | -33.1% | -33.3% | -32.7% | -28.2% | -20.3% | |
| Debt / EBITDA | 0.61 | 2.21 | 1.98 | 1.66 | 2.57 | 2.83 | 2.37 | 2.46 | 3.59 | 4.15 | 3.56 | 3.74 | 5.67 |
| — | -21.9% | -16.5% | -32.7% | -28.4% | -31.7% | -33.3% | -34.2% | -36.7% | -36.9% | -35.0% | -33.7% | -17.5% | |
| Current Ratio | 2.24 | 1.52 | 1.37 | 1.68 | 2.24 | 2.18 | 2.16 | 1.84 | 2.11 | 2.08 | 2.02 | 1.93 | 1.95 |
| — | -30.5% | -36.5% | -8.6% | +6.1% | +4.9% | +7.3% | -5.0% | +8.0% | +10.7% | +11.1% | +0.8% | -1.3% | |
| Quick Ratio | 2.24 | 1.52 | 1.37 | 1.68 | 2.24 | 2.18 | 2.16 | 1.84 | 2.11 | 2.08 | 2.02 | 1.93 | 1.95 |
| — | -30.5% | -36.5% | -8.6% | +6.1% | +4.9% | +7.3% | -5.0% | +8.0% | +10.7% | +11.1% | +0.8% | -5.6% | |
| Interest Coverage | 231.34 | — | — | — | — | — | — | — | — | 36.78 | 34.91 | 15.78 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
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Sapiens International Corporation N.V.'s current P/E is 33.7x. The average P/E over the last 4 quarters is 28.6x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Sapiens International Corporation N.V.'s current operating margin is 16.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Sapiens International Corporation N.V.'s business trajectory between earnings reports.