Sapiens International Stock Z Score

SPNS Stock

USD 27.93 0.27 0.98%

Altman Z Score is one of the simplest fundamental models to determine how likely your company is to fail. The module uses available fundamental data of a given equity to approximate the Altman Z score. Altman Z Score is determined by evaluating five fundamental price points available from the company's current public disclosure documents. Check out Sapiens International Piotroski F Score and Sapiens International Valuation analysis.

For more information on how to buy Sapiens Stock please use our How to Invest in Sapiens International guide.

At this time, Sapiens International's Capital Lease Obligations is comparatively stable compared to the past year. Return On Capital Employed is likely to gain to 0.17 in 2025, whereas Net Invested Capital is likely to drop slightly above 319.8 M in 2025. At this time, Sapiens International's Income Tax Expense is comparatively stable compared to the past year. Selling General Administrative is likely to gain to about 91.8 M in 2025, whereas Net Interest Income is likely to drop (1.7 M) in 2025.

Sapiens International Company Z Score Analysis

Sapiens International's Z-Score is a simple linear, multi-factor model that measures the financial health and economic stability of a company. The score is used to predict the probability of a firm going into bankruptcy within next 24 months or two fiscal years from the day stated on the accounting statements used to calculate it. The model uses five fundamental business ratios that are weighted according to algorithm of Professor Edward Altman who developed it in the late 1960s at New York University..

Z Score

Sum Of

5 Factors

More About Z Score | All Equity Analysis

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Sapiens Z Score Driver Correlations

Understanding the fundamental principles of building solid financial models for Sapiens International is extremely important. It helps to project a fair market value of Sapiens Stock properly, considering its historical fundamentals such as Z Score. Since Sapiens International's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Sapiens International's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Sapiens International's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Accounts Payable	Net Receivables	Good Will	Short Term Investments	Total Liab	Total Current Assets	Short Term Debt	Intangible Assets	Common Stock	Current Deferred Revenue	Long Term Debt	Treasury Stock	Property Plant Equipment	Net Tangible Assets	Long Term Debt Total	Capital Surpluse	Deferred Long Term Liab	Net Invested Capital	Short Long Term Debt	Net Working Capital	Capital Stock
Total Assets		0.97	-0.32	0.93	0.51	0.94	0.99	0.74	0.85	0.98	0.89	0.91	-0.36	0.99	0.7	-0.44	0.89	-0.05	0.73	-0.79	0.83	0.25	-0.85	0.82	0.78
Total Stockholder Equity	0.97		-0.53	0.94	0.51	0.94	0.96	0.79	0.71	0.99	0.8	0.81	-0.42	0.97	0.53	-0.43	0.81	0.13	0.62	-0.82	0.71	0.3	-0.76	0.86	0.86
Net Debt	-0.32	-0.53		-0.46	-0.31	-0.42	-0.34	-0.37	0.13	-0.49	-0.11	-0.06	0.28	-0.36	0.3	0.16	-0.05	-0.68	0.08	0.46	0.07	-0.12	0.02	-0.56	-0.65
Retained Earnings	0.93	0.94	-0.46		0.52	0.97	0.93	0.88	0.69	0.97	0.82	0.73	-0.17	0.93	0.5	-0.31	0.81	0.08	0.67	-0.88	0.75	0.32	-0.81	0.84	0.87
Accounts Payable	0.51	0.51	-0.31	0.52		0.62	0.52	0.31	0.5	0.52	0.42	0.46	-0.31	0.44	0.42	-0.49	0.31	-0.1	0.57	-0.36	0.6	0.08	-0.41	0.49	0.44
Net Receivables	0.94	0.94	-0.42	0.97	0.62		0.95	0.78	0.72	0.95	0.78	0.81	-0.32	0.92	0.6	-0.44	0.76	-0.07	0.78	-0.87	0.83	0.23	-0.83	0.77	0.8
Good Will	0.99	0.96	-0.34	0.93	0.52	0.95		0.75	0.81	0.96	0.85	0.92	-0.38	0.98	0.7	-0.4	0.86	-0.11	0.78	-0.85	0.85	0.28	-0.86	0.8	0.81
Short Term Investments	0.74	0.79	-0.37	0.88	0.31	0.78	0.75		0.49	0.81	0.69	0.51	-0.06	0.79	0.26	-0.16	0.66	0.14	0.47	-0.74	0.57	0.58	-0.71	0.74	0.75
Total Liab	0.85	0.71	0.13	0.69	0.5	0.72	0.81	0.49		0.74	0.89	0.88	-0.22	0.81	0.9	-0.41	0.84	-0.35	0.78	-0.46	0.9	0.14	-0.82	0.64	0.48
Total Current Assets	0.98	0.99	-0.49	0.97	0.52	0.95	0.96	0.81	0.74		0.85	0.81	-0.29	0.98	0.56	-0.38	0.83	0.11	0.65	-0.83	0.74	0.29	-0.79	0.88	0.86
Short Term Debt	0.89	0.8	-0.11	0.82	0.42	0.78	0.85	0.69	0.89	0.85		0.76	-0.04	0.89	0.66	-0.2	0.9	-0.02	0.61	-0.59	0.79	0.2	-0.87	0.82	0.7
Intangible Assets	0.91	0.81	-0.06	0.73	0.46	0.81	0.92	0.51	0.88	0.81	0.76		-0.47	0.87	0.9	-0.47	0.8	-0.39	0.83	-0.68	0.87	0.21	-0.8	0.61	0.58
Common Stock	-0.36	-0.42	0.28	-0.17	-0.31	-0.32	-0.38	-0.06	-0.22	-0.29	-0.04	-0.47		-0.31	-0.25	0.64	-0.17	0.08	-0.24	0.21	-0.24	-0.05	0.22	-0.13	-0.15
Current Deferred Revenue	0.99	0.97	-0.36	0.93	0.44	0.92	0.98	0.79	0.81	0.98	0.89	0.87	-0.31		0.65	-0.34	0.87	-0.01	0.71	-0.8	0.81	0.29	-0.84	0.86	0.82
Long Term Debt	0.7	0.53	0.3	0.5	0.42	0.6	0.7	0.26	0.9	0.56	0.66	0.9	-0.25	0.65		-0.4	0.67	-0.65	0.86	-0.43	0.87	0.06	-0.69	0.37	0.29
Treasury Stock	-0.44	-0.43	0.16	-0.31	-0.49	-0.44	-0.4	-0.16	-0.41	-0.38	-0.2	-0.47	0.64	-0.34	-0.4		-0.29	0.17	-0.37	0.2	-0.39	-0.02	0.32	-0.18	-0.12
Property Plant Equipment	0.89	0.81	-0.05	0.81	0.31	0.76	0.86	0.66	0.84	0.83	0.9	0.8	-0.17	0.87	0.67	-0.29		-0.11	0.61	-0.69	0.75	0.26	-0.84	0.67	0.66
Net Tangible Assets	-0.05	0.13	-0.68	0.08	-0.1	-0.07	-0.11	0.14	-0.35	0.11	-0.02	-0.39	0.08	-0.01	-0.65	0.17	-0.11		-0.61	0.08	-0.5	-0.04	0.29	0.33	0.25
Long Term Debt Total	0.73	0.62	0.08	0.67	0.57	0.78	0.78	0.47	0.78	0.65	0.61	0.83	-0.24	0.71	0.86	-0.37	0.61	-0.61		-0.64	0.95	0.18	-0.71	0.46	0.47
Capital Surpluse	-0.79	-0.82	0.46	-0.88	-0.36	-0.87	-0.85	-0.74	-0.46	-0.83	-0.59	-0.68	0.21	-0.8	-0.43	0.2	-0.69	0.08	-0.64		-0.63	-0.32	0.72	-0.6	-0.83
Deferred Long Term Liab	0.83	0.71	0.07	0.75	0.6	0.83	0.85	0.57	0.9	0.74	0.79	0.87	-0.24	0.81	0.87	-0.39	0.75	-0.5	0.95	-0.63		0.24	-0.85	0.61	0.57
Net Invested Capital	0.25	0.3	-0.12	0.32	0.08	0.23	0.28	0.58	0.14	0.29	0.2	0.21	-0.05	0.29	0.06	-0.02	0.26	-0.04	0.18	-0.32	0.24		-0.21	0.37	0.48
Short Long Term Debt	-0.85	-0.76	0.02	-0.81	-0.41	-0.83	-0.86	-0.71	-0.82	-0.79	-0.87	-0.8	0.22	-0.84	-0.69	0.32	-0.84	0.29	-0.71	0.72	-0.85	-0.21		-0.59	-0.61
Net Working Capital	0.82	0.86	-0.56	0.84	0.49	0.77	0.8	0.74	0.64	0.88	0.82	0.61	-0.13	0.86	0.37	-0.18	0.67	0.33	0.46	-0.6	0.61	0.37	-0.59		0.89
Capital Stock	0.78	0.86	-0.65	0.87	0.44	0.8	0.81	0.75	0.48	0.86	0.7	0.58	-0.15	0.82	0.29	-0.12	0.66	0.25	0.47	-0.83	0.57	0.48	-0.61	0.89

Click cells to compare fundamentals

To calculate a Z-Score, one would need to know a company's current working capital, its total assets and liabilities, and the amount of its latest earnings as well as earnings before interest and tax. Z-Scores can be used to compare the odds of bankruptcy of companies in a similar line of business or firms operating in the same industry. Companies with Z-Scores above 3.1 are generally considered to be stable and healthy with a low probability of bankruptcy. Scores that fall between 1.8 and 3.1 lie in a so-called 'grey area,' with scores of less than 1 indicating the highest probability of distress. Z Score is a used widely measure by financial auditors, accountants, money managers, loan processors, wealth advisers, and day traders. In the last 25 years, many financial models that utilize z-scores proved it to be successful as a predictor of corporate bankruptcy.

Competition

Predict Sapiens International

Based on the company's disclosures, Sapiens International has a Z Score of 0.0. This is 100.0% lower than that of the Software sector and about the same as Information Technology (which currently averages 0.0) industry. The z score for all United States stocks is 100.0% higher than that of the company.

Sapiens Z Score Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Sapiens International's direct or indirect competition against its Z Score to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Sapiens International could also be used in its relative valuation, which is a method of valuing Sapiens International by comparing valuation metrics of similar companies.

Sapiens International is currently under evaluation in z score category among its peers.

Sapiens International ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Sapiens International's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Sapiens International's managers, analysts, and investors.

Environmental

Governance

Social

Sapiens International Institutional Holders

Institutional Holdings refers to the ownership stake in Sapiens International that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Sapiens International's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Sapiens International's value.

		Shares
Clal Insurance Enterprises Holdings Ltd	2024-12-31	580.6 K
State Street Corp	2024-12-31	563.1 K
Harel Insurance Invests & Fin Srvcs Ltd	2024-12-31	418.3 K
Geode Capital Management, Llc	2024-12-31	410.1 K
Harris Associates L.p.	2024-12-31	374.5 K
Menora Mivtachim Holdings Limited	2024-12-31	322.4 K
Ubs Group Ag	2024-12-31	283.7 K
Royal Bank Of Canada	2024-12-31	268 K
Arrowstreet Capital Limited Partnership	2024-12-31	259.4 K
Blackrock Inc	2024-12-31	1.7 M
Vanguard Group Inc	2024-12-31	1.4 M

Sapiens Fundamentals

	Return On Equity	0.16
	Return On Asset	0.0777
	Profit Margin	0.13 %
	Operating Margin	0.16 %
	Current Valuation	1.39 B
	Shares Outstanding	55.89 M
	Shares Owned By Insiders	45.06 %
	Shares Owned By Institutions	37.63 %
	Number Of Shares Shorted	192.99 K
	Price To Earning	29.52 X
	Price To Book	3.22 X
	Price To Sales	2.85 X
	Revenue	542.38 M
	Gross Profit	238.11 M
	EBITDA	109.9 M
	Net Income	72.18 M
	Cash And Equivalents	176.13 M
	Cash Per Share	3.20 X
	Total Debt	63.75 M
	Debt To Equity	0.31 %
	Current Ratio	1.82 X
	Book Value Per Share	8.58 X
	Cash Flow From Operations	82.22 M
	Short Ratio	1.35 X
	Earnings Per Share	1.29 X
	Price To Earnings To Growth	5.92 X
	Target Price	29.0
	Beta	1.16
	Market Capitalization	1.55 B
	Total Asset	691.71 M
	Retained Earnings	119.88 M
	Working Capital	165.78 M
	Current Asset	98.34 M
	Current Liabilities	47 M
	Annual Yield	0.02 %
	Net Asset	691.71 M

About Sapiens International Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Sapiens International's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Sapiens International using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Sapiens International based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

Thematic Opportunities

Explore Investment Opportunities

Build portfolios using Macroaxis predefined set of investing ideas. Many of Macroaxis investing ideas can easily outperform a given market. Ideas can also be optimized per your risk profile before portfolio origination is invoked. Macroaxis thematic optimization helps investors identify companies most likely to benefit from changes or shifts in various micro-economic or local macro-level trends. Originating optimal thematic portfolios involves aligning investors' personal views, ideas, and beliefs with their actual investments.

Explore Investing Ideas

Additional Tools for Sapiens Stock Analysis

When running Sapiens International's price analysis, check to measure Sapiens International's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Sapiens International is operating at the current time. Most of Sapiens International's value examination focuses on studying past and present price action to predict the probability of Sapiens International's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Sapiens International's price. Additionally, you may evaluate how the addition of Sapiens International to your portfolios can decrease your overall portfolio volatility.

Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions

Feedback Blog

Made with optimal in San Francisco

2024 Macroaxis LLC

Sapiens International Stock Z Score

Sapiens International Company Z Score Analysis

Z Score

Sum Of

5 Factors

First Factor

1.2 * (

Working Capital

/

Total Assets )

Second Factor

1.4 * (

Retained Earnings

/

Total Assets )

Thrid Factor

3.3 * (

EBITAD

/

Total Assets )

Fouth Factor

0.6 * (

Market Value of Equity

/

Total Liabilities )

Fifth Factor

0.99 * (

Revenue

/

Total Assets )

Sapiens Z Score Driver Correlations

Sapiens Z Score Peer Comparison

Sapiens International ESG Sustainability

Sapiens International Institutional Holders

Sapiens Fundamentals

About Sapiens International Fundamental Analysis

Thematic Opportunities

Explore Investment Opportunities

Additional Tools for Sapiens Stock Analysis

COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY