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 | 228.41 | — | — | — | — | — | — | — | — | 36.78 | 34.91 | 15.78 | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 46 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying SPNS stock.
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.