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SAPIENS INTERNATIONAL CORP N V

EDGAR

SPNS Report (type unavailable) · filed 2025-12-17

Annual consolidated revenue for 2024: about USD 542.4M, using the latest reported figures. The previous period, 2023, was about USD 514.6M.

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Watchlist

Latest fiscal year

Revenue

542 million USD

2024 · USD

Exact inputs and evidence

Revenue: 542379000 USD Source

Operating margin

15.83%

2024 · %

Exact inputs and evidence

Operating Income: 85849000 USD Source
Revenue: 542379000 USD Source

Operating cash flow

82.2 million USD

2024 · USD

Exact inputs and evidence

Operating Cash Flow: 82225000 USD Source

Free cash flow

79.3 million USD

2024 · USD

Exact inputs and evidence

Operating Cash Flow: 82225000 USD Source
Capital Expenditure: 2879000 USD Source

Cash and cash equivalents: 164 million USD 2024-12-31 Source
Exact value

163690000 USD
Long-term debt including current maturities: 19.8 million USD 2024-12-31 Source
Exact value

19792000 USD
Shares outstanding: 55.9 million shares 2024-12-31 Source
Exact value

55887225 shares

Reported share-count change

0.28% · 154 thousand shares

Year-over-year change in reported shares. Splits, issuance and buybacks can affect this figure; it does not isolate employee compensation or economic dilution.

Exact inputs and evidence

55733234 shares · 2023-12-31· Source
55887225 shares · 2024-12-31· Source

Includes later revisions to earlier periods. Annual charts exclude incomplete years.

Latest filing recorded: 2025-12-17.

Financial data available through: 2024-12-31.

Coverage by financial measure

Revenue: 11 of 11 periods available· newest 2024-12-31
Operating income: 11 of 11 periods available· newest 2024-12-31
Net income: 11 of 11 periods available· newest 2024-12-31
Operating cash flow: 11 of 11 periods available· newest 2024-12-31
Capital expenditure: 11 of 11 periods available· newest 2024-12-31
Total assets: 11 of 11 periods available· newest 2024-12-31
liabilities: No compatible figures in this window
Current assets: 11 of 11 periods available· newest 2024-12-31
Current liabilities: 11 of 11 periods available· newest 2024-12-31
Cash and cash equivalents: 11 of 11 periods available· newest 2024-12-31
Long-term debt including current maturities: 9 of 11 periods available· newest 2024-12-31
Shares outstanding: 11 of 11 periods available· newest 2024-12-31

Coverage describes values retained in this snapshot. Missing values are not zero; loading limits are reported separately.

What changed year over year

Latest complete year compared with the corresponding period one year earlier. These are measured changes; they do not establish their business causes.

Revenue
+5.4%

Prior period

USD 514.58 million

2023-01-01 – 2023-12-31
Current period

USD 542.38 million

2024-01-01 – 2024-12-31

Exact inputs and evidence

542379000 − 514584000 = 27795000 USD

514584000 USD · 2023-01-01 – 2023-12-31
Inspect prior input Prior source
542379000 USD · 2024-01-01 – 2024-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Revenue · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Year-over-year change in Revenue: 27795000 USD Concept: fundies:Revenue Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:Revenue: 542379000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1886018 Filing: 000101376225003193 Input fundies:Revenue: 514584000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1886427 Filing: 000101376225003193
The citation records this snapshot. The page link may show a newer release later.
Net income
+15.6%

Prior period

USD 62.44 million

2023-01-01 – 2023-12-31
Current period

USD 72.18 million

2024-01-01 – 2024-12-31

Exact inputs and evidence

72179000 − 62444000 = 9735000 USD

62444000 USD · 2023-01-01 – 2023-12-31
Inspect prior input Prior source
72179000 USD · 2024-01-01 – 2024-12-31
Inspect current input Current source

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Citation for Year-over-year change in Net income · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Year-over-year change in Net income: 9735000 USD Concept: fundies:NetIncome Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:NetIncome: 72179000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1796433 Filing: 000101376225003193 Input fundies:NetIncome: 62444000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1796888 Filing: 000101376225003193
The citation records this snapshot. The page link may show a newer release later.
Operating cash flow
+3.5%

Prior period

USD 79.43 million

2023-01-01 – 2023-12-31
Current period

USD 82.23 million

2024-01-01 – 2024-12-31

Exact inputs and evidence

82225000 − 79425000 = 2800000 USD

79425000 USD · 2023-01-01 – 2023-12-31
Inspect prior input Prior source
82225000 USD · 2024-01-01 – 2024-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Operating cash flow · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Year-over-year change in Operating cash flow: 2800000 USD Concept: fundies:OperatingCashFlow Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:OperatingCashFlow: 82225000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1265974 Filing: 000101376225003193 Input fundies:OperatingCashFlow: 79425000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1266425 Filing: 000101376225003193
The citation records this snapshot. The page link may show a newer release later.
Capital expenditure
+11.8%

Prior period

USD 2.57 million

2023-01-01 – 2023-12-31
Current period

USD 2.88 million

2024-01-01 – 2024-12-31

Exact inputs and evidence

2879000 − 2574000 = 305000 USD

2574000 USD · 2023-01-01 – 2023-12-31
Inspect prior input Prior source
2879000 USD · 2024-01-01 – 2024-12-31
Inspect current input Current source

Share or cite

Citation for Year-over-year change in Capital expenditure · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Year-over-year change in Capital expenditure: 305000 USD Concept: fundies:CapitalExpenditure Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#period-changes-title Computed: Current period minus corresponding prior-year period Input fundies:CapitalExpenditure: 2879000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269037 Filing: 000101376225003193 Input fundies:CapitalExpenditure: 2574000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269362 Filing: 000101376225003193
The citation records this snapshot. The page link may show a newer release later.

Where revenue goes

How a period’s revenue divides into costs and what remains as profit. Items marked Derived are calculated by subtraction from reported figures.

2024 2024-01-01 – 2024-12-31

Revenue USD 542.38 million 100% of revenue
Cost of revenue USD 304.27 million 56% of revenue
Operating expenses USD 152.26 million 28% of revenue
Operating income USD 85.85 million 16% of revenue
Tax, interest and other Derived USD 13.67 million 2.5% of revenue
Net income USD 72.18 million 13% of revenue

Cash

Operating cash flow USD 82.23 million 15% of revenue
Capital expenditure USD 2.88 million 0.5% of revenue
Free cash flow Derived USD 79.35 million 15% of revenue

Share of revenue by period

Net income
Tax, interest and other
Operating costs

2015 11%87%
2016 89%
2017 100%
2018 92%
2019 88%
2020 88%
2021 10%88%
2022 11%86%
2023 12%85%
2024 13%84%

Values and sources

Revenue breakdown by annual reporting period
Period	Revenue	Operating costs	Operating income	Tax, interest and other	Net income	Free cash flow	Source
2015 2015-01-01 – 2015-12-31	185636000	161286000 Derived	24350000	4334000 Derived	20016000	37625000 Derived	Source 2015-01-01 – 2015-12-31: 185636000 USD Inspect Revenue Open source 2015-01-01 – 2015-12-31: 24350000 USD Inspect Operating Income Open source 2015-01-01 – 2015-12-31: 20016000 USD Inspect Net Income Open source 2015-01-01 – 2015-12-31: 40440000 USD Inspect Operating Cash Flow Open source 2015-01-01 – 2015-12-31: 2815000 USD Inspect Capital Expenditure Open source
2016 2016-01-01 – 2016-12-31	216190000	191350000 Derived	24840000	5504000 Derived	19336000	21375000 Derived	Source 2016-01-01 – 2016-12-31: 216190000 USD Inspect Revenue Open source 2016-01-01 – 2016-12-31: 24840000 USD Inspect Operating Income Open source 2016-01-01 – 2016-12-31: 19336000 USD Inspect Net Income Open source 2016-01-01 – 2016-12-31: 26039000 USD Inspect Operating Cash Flow Open source 2016-01-01 – 2016-12-31: 4664000 USD Inspect Capital Expenditure Open source
2017 2017-01-01 – 2017-12-31	269194000	268192000 Derived	1002000	650000 Derived	352000	6626000 Derived	Source 2017-01-01 – 2017-12-31: 269194000 USD Inspect Revenue Open source 2017-01-01 – 2017-12-31: 1002000 USD Inspect Operating Income Open source 2017-01-01 – 2017-12-31: 352000 USD Inspect Net Income Open source 2017-01-01 – 2017-12-31: 9248000 USD Inspect Operating Cash Flow Open source 2017-01-01 – 2017-12-31: 2622000 USD Inspect Capital Expenditure Open source
2018 2018-01-01 – 2018-12-31	289707000	266685000 Derived	23022000	9237000 Derived	13785000	25786000 Derived	Source 2018-01-01 – 2018-12-31: 289707000 USD Inspect Revenue Open source 2018-01-01 – 2018-12-31: 23022000 USD Inspect Operating Income Open source 2018-01-01 – 2018-12-31: 13785000 USD Inspect Net Income Open source 2018-01-01 – 2018-12-31: 27700000 USD Inspect Operating Cash Flow Open source 2018-01-01 – 2018-12-31: 1914000 USD Inspect Capital Expenditure Open source
2019 2019-01-01 – 2019-12-31	325674000	287805000 Derived	37869000	11622000 Derived	26247000	54683000 Derived	Source 2019-01-01 – 2019-12-31: 325674000 USD Inspect Revenue Open source 2019-01-01 – 2019-12-31: 37869000 USD Inspect Operating Income Open source 2019-01-01 – 2019-12-31: 26247000 USD Inspect Net Income Open source 2019-01-01 – 2019-12-31: 66157000 USD Inspect Operating Cash Flow Open source 2019-01-01 – 2019-12-31: 11474000 USD Inspect Capital Expenditure Open source
2020 2020-01-01 – 2020-12-31	382903000	337900000 Derived	45003000	11228000 Derived	33775000	55622000 Derived	Source 2020-01-01 – 2020-12-31: 382903000 USD Inspect Revenue Open source 2020-01-01 – 2020-12-31: 45003000 USD Inspect Operating Income Open source 2020-01-01 – 2020-12-31: 33775000 USD Inspect Net Income Open source 2020-01-01 – 2020-12-31: 58255000 USD Inspect Operating Cash Flow Open source 2020-01-01 – 2020-12-31: 2633000 USD Inspect Capital Expenditure Open source
2021 2021-01-01 – 2021-12-31	461035000	403547000 Derived	57488000	10317000 Derived	47171000	76756000 Derived	Source 2021-01-01 – 2021-12-31: 461035000 USD Inspect Revenue Open source 2021-01-01 – 2021-12-31: 57488000 USD Inspect Operating Income Open source 2021-01-01 – 2021-12-31: 47171000 USD Inspect Net Income Open source 2021-01-01 – 2021-12-31: 80542000 USD Inspect Operating Cash Flow Open source 2021-01-01 – 2021-12-31: 3786000 USD Inspect Capital Expenditure Open source
2022 2022-01-01 – 2022-12-31	474736000	408245000 Derived	66491000	13896000 Derived	52595000	41023000 Derived	Source 2022-01-01 – 2022-12-31: 474736000 USD Inspect Revenue Open source 2022-01-01 – 2022-12-31: 66491000 USD Inspect Operating Income Open source 2022-01-01 – 2022-12-31: 52595000 USD Inspect Net Income Open source 2022-01-01 – 2022-12-31: 43780000 USD Inspect Operating Cash Flow Open source 2022-01-01 – 2022-12-31: 2757000 USD Inspect Capital Expenditure Open source
2023 2023-01-01 – 2023-12-31	514584000	435716000 Derived	78868000	16424000 Derived	62444000	76851000 Derived	Source 2023-01-01 – 2023-12-31: 514584000 USD Inspect Revenue Open source 2023-01-01 – 2023-12-31: 78868000 USD Inspect Operating Income Open source 2023-01-01 – 2023-12-31: 62444000 USD Inspect Net Income Open source 2023-01-01 – 2023-12-31: 79425000 USD Inspect Operating Cash Flow Open source 2023-01-01 – 2023-12-31: 2574000 USD Inspect Capital Expenditure Open source
2024 2024-01-01 – 2024-12-31	542379000	456530000 Derived	85849000	13670000 Derived	72179000	79346000 Derived	Source 2024-01-01 – 2024-12-31: 542379000 USD Inspect Revenue Open source 2024-01-01 – 2024-12-31: 85849000 USD Inspect Operating Income Open source 2024-01-01 – 2024-12-31: 72179000 USD Inspect Net Income Open source 2024-01-01 – 2024-12-31: 82225000 USD Inspect Operating Cash Flow Open source 2024-01-01 – 2024-12-31: 2879000 USD Inspect Capital Expenditure Open source

Amounts are exact, in USD.

Growth

Sales over time and how quickly they are changing.

Revenue

Revenue reported for each complete financial period.

USD 542.4M 2024

Values and sources

Revenue values and source evidence
Period	Series	Value(USD)	Source evidence
20152015-12-31	Revenue	185636000	Revenue: 185636000 Open source
20162016-12-31	Revenue	216190000	Revenue: 216190000 Open source
20172017-12-31	Revenue	269194000	Revenue: 269194000 Open source
20182018-12-31	Revenue	289707000	Revenue: 289707000 Open source
20192019-12-31	Revenue	325674000	Revenue: 325674000 Open source
20202020-12-31	Revenue	382903000	Revenue: 382903000 Open source
20212021-12-31	Revenue	461035000	Revenue: 461035000 Open source
20222022-12-31	Revenue	474736000	Revenue: 474736000 Open source
20232023-12-31	Revenue	514584000	Revenue: 514584000 Open source
20242024-12-31	Revenue	542379000	Revenue: 542379000 Open source

Revenue growth

Change in revenue from the same financial period one year earlier.

5.4% 2024

Values and sources

Revenue growth values and source evidence
Period	Series	Value	Source evidence
20152015-12-31	Year over year	17.9%	Revenue: 185636000 Open source Revenue: 157450000 Open source
20162016-12-31	Year over year	16.5%	Revenue: 216190000 Open source Revenue: 185636000 Open source
20172017-12-31	Year over year	24.5%	Revenue: 269194000 Open source Revenue: 216190000 Open source
20182018-12-31	Year over year	7.6%	Revenue: 289707000 Open source Revenue: 269194000 Open source
20192019-12-31	Year over year	12.4%	Revenue: 325674000 Open source Revenue: 289707000 Open source
20202020-12-31	Year over year	17.6%	Revenue: 382903000 Open source Revenue: 325674000 Open source
20212021-12-31	Year over year	20.4%	Revenue: 461035000 Open source Revenue: 382903000 Open source
20222022-12-31	Year over year	3%	Revenue: 474736000 Open source Revenue: 461035000 Open source
20232023-12-31	Year over year	8.4%	Revenue: 514584000 Open source Revenue: 474736000 Open source
20242024-12-31	Year over year	5.4%	Revenue: 542379000 Open source Revenue: 514584000 Open source

Profit and cash

How much revenue becomes profit, and how much cash operations generate.

Profit margins

Operating income, net income and free cash flow as a share of revenue.

Operating margin 15.8% 2024

Net margin 13.3% 2024

Free cash flow margin 14.6% 2024

Operating margin
Net margin
Free cash flow margin

Values and sources

Profit margins values and source evidence
Period	Series	Value	Source evidence
20152015-12-31	Operating margin	13.1%	Operating Income: 24350000 Open source Revenue: 185636000 Open source
20162016-12-31	Operating margin	11.5%	Operating Income: 24840000 Open source Revenue: 216190000 Open source
20172017-12-31	Operating margin	0.4%	Operating Income: 1002000 Open source Revenue: 269194000 Open source
20182018-12-31	Operating margin	7.9%	Operating Income: 23022000 Open source Revenue: 289707000 Open source
20192019-12-31	Operating margin	11.6%	Operating Income: 37869000 Open source Revenue: 325674000 Open source
20202020-12-31	Operating margin	11.8%	Operating Income: 45003000 Open source Revenue: 382903000 Open source
20212021-12-31	Operating margin	12.5%	Operating Income: 57488000 Open source Revenue: 461035000 Open source
20222022-12-31	Operating margin	14%	Operating Income: 66491000 Open source Revenue: 474736000 Open source
20232023-12-31	Operating margin	15.3%	Operating Income: 78868000 Open source Revenue: 514584000 Open source
20242024-12-31	Operating margin	15.8%	Operating Income: 85849000 Open source Revenue: 542379000 Open source
20152015-12-31	Net margin	10.8%	Net Income: 20016000 Open source Revenue: 185636000 Open source
20162016-12-31	Net margin	8.9%	Net Income: 19336000 Open source Revenue: 216190000 Open source
20172017-12-31	Net margin	0.1%	Net Income: 352000 Open source Revenue: 269194000 Open source
20182018-12-31	Net margin	4.8%	Net Income: 13785000 Open source Revenue: 289707000 Open source
20192019-12-31	Net margin	8.1%	Net Income: 26247000 Open source Revenue: 325674000 Open source
20202020-12-31	Net margin	8.8%	Net Income: 33775000 Open source Revenue: 382903000 Open source
20212021-12-31	Net margin	10.2%	Net Income: 47171000 Open source Revenue: 461035000 Open source
20222022-12-31	Net margin	11.1%	Net Income: 52595000 Open source Revenue: 474736000 Open source
20232023-12-31	Net margin	12.1%	Net Income: 62444000 Open source Revenue: 514584000 Open source
20242024-12-31	Net margin	13.3%	Net Income: 72179000 Open source Revenue: 542379000 Open source
20152015-12-31	Free cash flow margin	20.3%	Revenue: 185636000 Open source Operating Cash Flow: 40440000 Open source Capital Expenditure: 2815000 Open source
20162016-12-31	Free cash flow margin	9.9%	Revenue: 216190000 Open source Operating Cash Flow: 26039000 Open source Capital Expenditure: 4664000 Open source
20172017-12-31	Free cash flow margin	2.5%	Revenue: 269194000 Open source Operating Cash Flow: 9248000 Open source Capital Expenditure: 2622000 Open source
20182018-12-31	Free cash flow margin	8.9%	Revenue: 289707000 Open source Operating Cash Flow: 27700000 Open source Capital Expenditure: 1914000 Open source
20192019-12-31	Free cash flow margin	16.8%	Revenue: 325674000 Open source Operating Cash Flow: 66157000 Open source Capital Expenditure: 11474000 Open source
20202020-12-31	Free cash flow margin	14.5%	Revenue: 382903000 Open source Operating Cash Flow: 58255000 Open source Capital Expenditure: 2633000 Open source
20212021-12-31	Free cash flow margin	16.6%	Revenue: 461035000 Open source Operating Cash Flow: 80542000 Open source Capital Expenditure: 3786000 Open source
20222022-12-31	Free cash flow margin	8.6%	Revenue: 474736000 Open source Operating Cash Flow: 43780000 Open source Capital Expenditure: 2757000 Open source
20232023-12-31	Free cash flow margin	14.9%	Revenue: 514584000 Open source Operating Cash Flow: 79425000 Open source Capital Expenditure: 2574000 Open source
20242024-12-31	Free cash flow margin	14.6%	Revenue: 542379000 Open source Operating Cash Flow: 82225000 Open source Capital Expenditure: 2879000 Open source

Operating cash flow

Cash generated by the company’s normal business operations.

USD 82.2M 2024

Values and sources

Operating cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
20152015-12-31	Operating cash flow	40440000	Operating Cash Flow: 40440000 Open source
20162016-12-31	Operating cash flow	26039000	Operating Cash Flow: 26039000 Open source
20172017-12-31	Operating cash flow	9248000	Operating Cash Flow: 9248000 Open source
20182018-12-31	Operating cash flow	27700000	Operating Cash Flow: 27700000 Open source
20192019-12-31	Operating cash flow	66157000	Operating Cash Flow: 66157000 Open source
20202020-12-31	Operating cash flow	58255000	Operating Cash Flow: 58255000 Open source
20212021-12-31	Operating cash flow	80542000	Operating Cash Flow: 80542000 Open source
20222022-12-31	Operating cash flow	43780000	Operating Cash Flow: 43780000 Open source
20232023-12-31	Operating cash flow	79425000	Operating Cash Flow: 79425000 Open source
20242024-12-31	Operating cash flow	82225000	Operating Cash Flow: 82225000 Open source

Free cash flow

Operating cash flow minus capital expenditure for the same period and unit.

USD 79.3M 2024

Values and sources

Free cash flow values and source evidence
Period	Series	Value(USD)	Source evidence
20152015-12-31	Free cash flow	37625000	Operating Cash Flow: 40440000 Open source Capital Expenditure: 2815000 Open source
20162016-12-31	Free cash flow	21375000	Operating Cash Flow: 26039000 Open source Capital Expenditure: 4664000 Open source
20172017-12-31	Free cash flow	6626000	Operating Cash Flow: 9248000 Open source Capital Expenditure: 2622000 Open source
20182018-12-31	Free cash flow	25786000	Operating Cash Flow: 27700000 Open source Capital Expenditure: 1914000 Open source
20192019-12-31	Free cash flow	54683000	Operating Cash Flow: 66157000 Open source Capital Expenditure: 11474000 Open source
20202020-12-31	Free cash flow	55622000	Operating Cash Flow: 58255000 Open source Capital Expenditure: 2633000 Open source
20212021-12-31	Free cash flow	76756000	Operating Cash Flow: 80542000 Open source Capital Expenditure: 3786000 Open source
20222022-12-31	Free cash flow	41023000	Operating Cash Flow: 43780000 Open source Capital Expenditure: 2757000 Open source
20232023-12-31	Free cash flow	76851000	Operating Cash Flow: 79425000 Open source Capital Expenditure: 2574000 Open source
20242024-12-31	Free cash flow	79346000	Operating Cash Flow: 82225000 Open source Capital Expenditure: 2879000 Open source

Balance sheet

Liabilities and short-term ability to meet obligations at each period end.

Liabilities to assets

Total liabilities as a share of total assets.

Not enough comparable data to show this history.

Values and sources

Liabilities to assets values and source evidence
Period	Series	Value	Source evidence
2015-12-31	Liabilities / assets	Not reported	Total Assets: 242271000 Open source
2016-12-31	Liabilities / assets	Not reported	Total Assets: 257851000 Open source
2017-12-31	Liabilities / assets	Not reported	Total Assets: 373619000 Open source
2018-12-31	Liabilities / assets	Not reported	Total Assets: 378865000 Open source
2019-12-31	Liabilities / assets	Not reported	Total Assets: 452421000 Open source
2020-12-31	Liabilities / assets	Not reported	Total Assets: 714161000 Open source
2021-12-31	Liabilities / assets	Not reported	Total Assets: 714993000 Open source
2022-12-31	Liabilities / assets	Not reported	Total Assets: 668344000 Open source
2023-12-31	Liabilities / assets	Not reported	Total Assets: 689624000 Open source
2024-12-31	Liabilities / assets	Not reported	Total Assets: 691711000 Open source

Current assets to current liabilities

Current assets divided by current liabilities.

2.24× 2024

Values and sources

Current assets to current liabilities values and source evidence
Period	Series	Value	Source evidence
20152015-12-31	Current assets / current liabilities	2.09×	Current Assets: 98343000 Open source Current Liabilities: 47001000 Open source
20162016-12-31	Current assets / current liabilities	2.52×	Current Assets: 120201000 Open source Current Liabilities: 47748000 Open source
20172017-12-31	Current assets / current liabilities	1.87×	Current Assets: 130973000 Open source Current Liabilities: 70169000 Open source
20182018-12-31	Current assets / current liabilities	1.6×	Current Assets: 130011000 Open source Current Liabilities: 81103000 Open source
20192019-12-31	Current assets / current liabilities	1.4×	Current Assets: 147223000 Open source Current Liabilities: 104912000 Open source
20202020-12-31	Current assets / current liabilities	1.85×	Current Assets: 267358000 Open source Current Liabilities: 144776000 Open source
20212021-12-31	Current assets / current liabilities	1.98×	Current Assets: 300345000 Open source Current Liabilities: 151695000 Open source
20222022-12-31	Current assets / current liabilities	1.95×	Current Assets: 285307000 Open source Current Liabilities: 145956000 Open source
20232023-12-31	Current assets / current liabilities	2.11×	Current Assets: 314903000 Open source Current Liabilities: 149124000 Open source
20242024-12-31	Current assets / current liabilities	2.24×	Current Assets: 335143000 Open source Current Liabilities: 149583000 Open source

Cash generation

Compare reported profit with operating cash and capital spending. Free cash flow is calculated as operating cash flow minus capital expenditure when both exact, consolidated amounts match the same period and unit.

Cash generation by annual reporting period
Period	Net income	Operating cash flow	Capital expenditure	Free cash flow
2015 2015-01-01 – 2015-12-31	USD 20.02 million Exact value Exact value: 20016000 USD 2015-01-01 – 2015-12-31: 20016000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2015-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 20016000 USD Concept: fundies:NetIncome Period: 2015-01-01 to 2015-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2015-12-31&surface=latest&period_type=duration&start=2015-01-01&unit=USD&dimensions= Input fundies:NetIncome: 20016000 USD (2015-01-01 to 2015-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000114420418019906/spns-20171231.xml#133599 Filing: 000114420418019906 The citation records this snapshot. The page link may show a newer release later.	USD 40.44 million Exact value Exact value: 40440000 USD 2015-01-01 – 2015-12-31: 40440000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2015-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 40440000 USD Concept: fundies:OperatingCashFlow Period: 2015-01-01 to 2015-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2015-12-31&surface=latest&period_type=duration&start=2015-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 40440000 USD (2015-01-01 to 2015-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000114420418019906/spns-20171231.xml#183436 Filing: 000114420418019906 The citation records this snapshot. The page link may show a newer release later.	USD 2.82 million Exact value Exact value: 2815000 USD 2015-01-01 – 2015-12-31: 2815000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2015-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2815000 USD Concept: fundies:CapitalExpenditure Period: 2015-01-01 to 2015-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2015-12-31&surface=latest&period_type=duration&start=2015-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2815000 USD (2015-01-01 to 2015-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000114420418019906/spns-20171231.xml#182844 Filing: 000114420418019906 The citation records this snapshot. The page link may show a newer release later.	USD 37.63 million Calculation and evidence 40440000 − 2815000 USD Exact free cash flow: 37625000 USD 2015-01-01 – 2015-12-31: 40440000 USD · Inspect Operating Cash Flow · Source 2015-01-01 – 2015-12-31: 2815000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2015-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 37625000 USD Concept: free-cash-flow Period: 2015-01-01 to 2015-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 40440000 USD (2015-01-01 to 2015-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000114420418019906/spns-20171231.xml#183436 Filing: 000114420418019906 Input fundies:CapitalExpenditure: 2815000 USD (2015-01-01 to 2015-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000114420418019906/spns-20171231.xml#182844 Filing: 000114420418019906 The citation records this snapshot. The page link may show a newer release later.
2016 2016-01-01 – 2016-12-31	USD 19.34 million Exact value Exact value: 19336000 USD 2016-01-01 – 2016-12-31: 19336000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2016-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 19336000 USD Concept: fundies:NetIncome Period: 2016-01-01 to 2016-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2016-12-31&surface=latest&period_type=duration&start=2016-01-01&unit=USD&dimensions= Input fundies:NetIncome: 19336000 USD (2016-01-01 to 2016-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390019004920/spns-20181231.xml#124219 Filing: 000121390019004920 The citation records this snapshot. The page link may show a newer release later.	USD 26.04 million Exact value Exact value: 26039000 USD 2016-01-01 – 2016-12-31: 26039000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2016-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 26039000 USD Concept: fundies:OperatingCashFlow Period: 2016-01-01 to 2016-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2016-12-31&surface=latest&period_type=duration&start=2016-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 26039000 USD (2016-01-01 to 2016-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390019004920/spns-20181231.xml#193159 Filing: 000121390019004920 The citation records this snapshot. The page link may show a newer release later.	USD 4.66 million Exact value Exact value: 4664000 USD 2016-01-01 – 2016-12-31: 4664000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2016-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 4664000 USD Concept: fundies:CapitalExpenditure Period: 2016-01-01 to 2016-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2016-12-31&surface=latest&period_type=duration&start=2016-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 4664000 USD (2016-01-01 to 2016-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390019004920/spns-20181231.xml#195643 Filing: 000121390019004920 The citation records this snapshot. The page link may show a newer release later.	USD 21.38 million Calculation and evidence 26039000 − 4664000 USD Exact free cash flow: 21375000 USD 2016-01-01 – 2016-12-31: 26039000 USD · Inspect Operating Cash Flow · Source 2016-01-01 – 2016-12-31: 4664000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2016-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 21375000 USD Concept: free-cash-flow Period: 2016-01-01 to 2016-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 26039000 USD (2016-01-01 to 2016-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390019004920/spns-20181231.xml#193159 Filing: 000121390019004920 Input fundies:CapitalExpenditure: 4664000 USD (2016-01-01 to 2016-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390019004920/spns-20181231.xml#195643 Filing: 000121390019004920 The citation records this snapshot. The page link may show a newer release later.
2017 2017-01-01 – 2017-12-31	USD 352,000 Exact value Exact value: 352000 USD 2017-01-01 – 2017-12-31: 352000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2017-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 352000 USD Concept: fundies:NetIncome Period: 2017-01-01 to 2017-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2017-12-31&surface=latest&period_type=duration&start=2017-01-01&unit=USD&dimensions= Input fundies:NetIncome: 352000 USD (2017-01-01 to 2017-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390020008747/spns-20191231.xml#121089 Filing: 000121390020008747 The citation records this snapshot. The page link may show a newer release later.	USD 9.25 million Exact value Exact value: 9248000 USD 2017-01-01 – 2017-12-31: 9248000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2017-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 9248000 USD Concept: fundies:OperatingCashFlow Period: 2017-01-01 to 2017-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2017-12-31&surface=latest&period_type=duration&start=2017-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 9248000 USD (2017-01-01 to 2017-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390020008747/spns-20191231.xml#150955 Filing: 000121390020008747 The citation records this snapshot. The page link may show a newer release later.	USD 2.62 million Exact value Exact value: 2622000 USD 2017-01-01 – 2017-12-31: 2622000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2017-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2622000 USD Concept: fundies:CapitalExpenditure Period: 2017-01-01 to 2017-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2017-12-31&surface=latest&period_type=duration&start=2017-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2622000 USD (2017-01-01 to 2017-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390020008747/spns-20191231.xml#151506 Filing: 000121390020008747 The citation records this snapshot. The page link may show a newer release later.	USD 6.63 million Calculation and evidence 9248000 − 2622000 USD Exact free cash flow: 6626000 USD 2017-01-01 – 2017-12-31: 9248000 USD · Inspect Operating Cash Flow · Source 2017-01-01 – 2017-12-31: 2622000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2017-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 6626000 USD Concept: free-cash-flow Period: 2017-01-01 to 2017-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 9248000 USD (2017-01-01 to 2017-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390020008747/spns-20191231.xml#150955 Filing: 000121390020008747 Input fundies:CapitalExpenditure: 2622000 USD (2017-01-01 to 2017-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390020008747/spns-20191231.xml#151506 Filing: 000121390020008747 The citation records this snapshot. The page link may show a newer release later.
2018 2018-01-01 – 2018-12-31	USD 13.79 million Exact value Exact value: 13785000 USD 2018-01-01 – 2018-12-31: 13785000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2018-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 13785000 USD Concept: fundies:NetIncome Period: 2018-01-01 to 2018-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2018-12-31&surface=latest&period_type=duration&start=2018-01-01&unit=USD&dimensions= Input fundies:NetIncome: 13785000 USD (2018-01-01 to 2018-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390021017720/f20f2020_sapiensinter.htm#1257541 Filing: 000121390021017720 The citation records this snapshot. The page link may show a newer release later.	USD 27.7 million Exact value Exact value: 27700000 USD 2018-01-01 – 2018-12-31: 27700000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2018-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 27700000 USD Concept: fundies:OperatingCashFlow Period: 2018-01-01 to 2018-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2018-12-31&surface=latest&period_type=duration&start=2018-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 27700000 USD (2018-01-01 to 2018-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390021017720/f20f2020_sapiensinter.htm#1366877 Filing: 000121390021017720 The citation records this snapshot. The page link may show a newer release later.	USD 1.91 million Exact value Exact value: 1914000 USD 2018-01-01 – 2018-12-31: 1914000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2018-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 1914000 USD Concept: fundies:CapitalExpenditure Period: 2018-01-01 to 2018-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2018-12-31&surface=latest&period_type=duration&start=2018-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 1914000 USD (2018-01-01 to 2018-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390021017720/f20f2020_sapiensinter.htm#1369881 Filing: 000121390021017720 The citation records this snapshot. The page link may show a newer release later.	USD 25.79 million Calculation and evidence 27700000 − 1914000 USD Exact free cash flow: 25786000 USD 2018-01-01 – 2018-12-31: 27700000 USD · Inspect Operating Cash Flow · Source 2018-01-01 – 2018-12-31: 1914000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2018-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 25786000 USD Concept: free-cash-flow Period: 2018-01-01 to 2018-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 27700000 USD (2018-01-01 to 2018-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390021017720/f20f2020_sapiensinter.htm#1366877 Filing: 000121390021017720 Input fundies:CapitalExpenditure: 1914000 USD (2018-01-01 to 2018-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390021017720/f20f2020_sapiensinter.htm#1369881 Filing: 000121390021017720 The citation records this snapshot. The page link may show a newer release later.
2019 2019-01-01 – 2019-12-31	USD 26.25 million Exact value Exact value: 26247000 USD 2019-01-01 – 2019-12-31: 26247000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2019-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 26247000 USD Concept: fundies:NetIncome Period: 2019-01-01 to 2019-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2019-12-31&surface=latest&period_type=duration&start=2019-01-01&unit=USD&dimensions= Input fundies:NetIncome: 26247000 USD (2019-01-01 to 2019-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390022016445/f20f2021_sapiensinter.htm#1136408 Filing: 000121390022016445 The citation records this snapshot. The page link may show a newer release later.	USD 66.16 million Exact value Exact value: 66157000 USD 2019-01-01 – 2019-12-31: 66157000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2019-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 66157000 USD Concept: fundies:OperatingCashFlow Period: 2019-01-01 to 2019-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2019-12-31&surface=latest&period_type=duration&start=2019-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 66157000 USD (2019-01-01 to 2019-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390022016445/f20f2021_sapiensinter.htm#1243927 Filing: 000121390022016445 The citation records this snapshot. The page link may show a newer release later.	USD 11.47 million Exact value Exact value: 11474000 USD 2019-01-01 – 2019-12-31: 11474000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2019-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 11474000 USD Concept: fundies:CapitalExpenditure Period: 2019-01-01 to 2019-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2019-12-31&surface=latest&period_type=duration&start=2019-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 11474000 USD (2019-01-01 to 2019-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390022016445/f20f2021_sapiensinter.htm#1246945 Filing: 000121390022016445 The citation records this snapshot. The page link may show a newer release later.	USD 54.68 million Calculation and evidence 66157000 − 11474000 USD Exact free cash flow: 54683000 USD 2019-01-01 – 2019-12-31: 66157000 USD · Inspect Operating Cash Flow · Source 2019-01-01 – 2019-12-31: 11474000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2019-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 54683000 USD Concept: free-cash-flow Period: 2019-01-01 to 2019-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 66157000 USD (2019-01-01 to 2019-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390022016445/f20f2021_sapiensinter.htm#1243927 Filing: 000121390022016445 Input fundies:CapitalExpenditure: 11474000 USD (2019-01-01 to 2019-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390022016445/f20f2021_sapiensinter.htm#1246945 Filing: 000121390022016445 The citation records this snapshot. The page link may show a newer release later.
2020 2020-01-01 – 2020-12-31	USD 33.78 million Exact value Exact value: 33775000 USD 2020-01-01 – 2020-12-31: 33775000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2020-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 33775000 USD Concept: fundies:NetIncome Period: 2020-01-01 to 2020-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2020-12-31&surface=latest&period_type=duration&start=2020-01-01&unit=USD&dimensions= Input fundies:NetIncome: 33775000 USD (2020-01-01 to 2020-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390023023868/f20f2022_sapiensinter.htm#1075602 Filing: 000121390023023868 The citation records this snapshot. The page link may show a newer release later.	USD 58.26 million Exact value Exact value: 58255000 USD 2020-01-01 – 2020-12-31: 58255000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2020-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 58255000 USD Concept: fundies:OperatingCashFlow Period: 2020-01-01 to 2020-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2020-12-31&surface=latest&period_type=duration&start=2020-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 58255000 USD (2020-01-01 to 2020-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390023023868/f20f2022_sapiensinter.htm#1204844 Filing: 000121390023023868 The citation records this snapshot. The page link may show a newer release later.	USD 2.63 million Exact value Exact value: 2633000 USD 2020-01-01 – 2020-12-31: 2633000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2020-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2633000 USD Concept: fundies:CapitalExpenditure Period: 2020-01-01 to 2020-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2020-12-31&surface=latest&period_type=duration&start=2020-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2633000 USD (2020-01-01 to 2020-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390023023868/f20f2022_sapiensinter.htm#1207770 Filing: 000121390023023868 The citation records this snapshot. The page link may show a newer release later.	USD 55.62 million Calculation and evidence 58255000 − 2633000 USD Exact free cash flow: 55622000 USD 2020-01-01 – 2020-12-31: 58255000 USD · Inspect Operating Cash Flow · Source 2020-01-01 – 2020-12-31: 2633000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2020-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 55622000 USD Concept: free-cash-flow Period: 2020-01-01 to 2020-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 58255000 USD (2020-01-01 to 2020-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390023023868/f20f2022_sapiensinter.htm#1204844 Filing: 000121390023023868 Input fundies:CapitalExpenditure: 2633000 USD (2020-01-01 to 2020-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390023023868/f20f2022_sapiensinter.htm#1207770 Filing: 000121390023023868 The citation records this snapshot. The page link may show a newer release later.
2021 2021-01-01 – 2021-12-31	USD 47.17 million Exact value Exact value: 47171000 USD 2021-01-01 – 2021-12-31: 47171000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2021-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 47171000 USD Concept: fundies:NetIncome Period: 2021-01-01 to 2021-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2021-12-31&surface=latest&period_type=duration&start=2021-01-01&unit=USD&dimensions= Input fundies:NetIncome: 47171000 USD (2021-01-01 to 2021-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390024025800/ea0202273-20f_sapiens.htm#1835104 Filing: 000121390024025800 The citation records this snapshot. The page link may show a newer release later.	USD 80.54 million Exact value Exact value: 80542000 USD 2021-01-01 – 2021-12-31: 80542000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2021-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 80542000 USD Concept: fundies:OperatingCashFlow Period: 2021-01-01 to 2021-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2021-12-31&surface=latest&period_type=duration&start=2021-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 80542000 USD (2021-01-01 to 2021-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390024025800/ea0202273-20f_sapiens.htm#1314546 Filing: 000121390024025800 The citation records this snapshot. The page link may show a newer release later.	USD 3.79 million Exact value Exact value: 3786000 USD 2021-01-01 – 2021-12-31: 3786000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2021-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 3786000 USD Concept: fundies:CapitalExpenditure Period: 2021-01-01 to 2021-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2021-12-31&surface=latest&period_type=duration&start=2021-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 3786000 USD (2021-01-01 to 2021-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390024025800/ea0202273-20f_sapiens.htm#1317669 Filing: 000121390024025800 The citation records this snapshot. The page link may show a newer release later.	USD 76.76 million Calculation and evidence 80542000 − 3786000 USD Exact free cash flow: 76756000 USD 2021-01-01 – 2021-12-31: 80542000 USD · Inspect Operating Cash Flow · Source 2021-01-01 – 2021-12-31: 3786000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2021-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 76756000 USD Concept: free-cash-flow Period: 2021-01-01 to 2021-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 80542000 USD (2021-01-01 to 2021-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390024025800/ea0202273-20f_sapiens.htm#1314546 Filing: 000121390024025800 Input fundies:CapitalExpenditure: 3786000 USD (2021-01-01 to 2021-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000121390024025800/ea0202273-20f_sapiens.htm#1317669 Filing: 000121390024025800 The citation records this snapshot. The page link may show a newer release later.
2022 2022-01-01 – 2022-12-31	USD 52.6 million Exact value Exact value: 52595000 USD 2022-01-01 – 2022-12-31: 52595000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2022-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 52595000 USD Concept: fundies:NetIncome Period: 2022-01-01 to 2022-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2022-12-31&surface=latest&period_type=duration&start=2022-01-01&unit=USD&dimensions= Input fundies:NetIncome: 52595000 USD (2022-01-01 to 2022-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1797343 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 43.78 million Exact value Exact value: 43780000 USD 2022-01-01 – 2022-12-31: 43780000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2022-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 43780000 USD Concept: fundies:OperatingCashFlow Period: 2022-01-01 to 2022-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2022-12-31&surface=latest&period_type=duration&start=2022-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 43780000 USD (2022-01-01 to 2022-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1266876 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 2.76 million Exact value Exact value: 2757000 USD 2022-01-01 – 2022-12-31: 2757000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2022-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2757000 USD Concept: fundies:CapitalExpenditure Period: 2022-01-01 to 2022-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2022-12-31&surface=latest&period_type=duration&start=2022-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2757000 USD (2022-01-01 to 2022-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269687 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 41.02 million Calculation and evidence 43780000 − 2757000 USD Exact free cash flow: 41023000 USD 2022-01-01 – 2022-12-31: 43780000 USD · Inspect Operating Cash Flow · Source 2022-01-01 – 2022-12-31: 2757000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2022-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 41023000 USD Concept: free-cash-flow Period: 2022-01-01 to 2022-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 43780000 USD (2022-01-01 to 2022-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1266876 Filing: 000101376225003193 Input fundies:CapitalExpenditure: 2757000 USD (2022-01-01 to 2022-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269687 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.
2023 2023-01-01 – 2023-12-31	USD 62.44 million Exact value Exact value: 62444000 USD 2023-01-01 – 2023-12-31: 62444000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2023-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 62444000 USD Concept: fundies:NetIncome Period: 2023-01-01 to 2023-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2023-12-31&surface=latest&period_type=duration&start=2023-01-01&unit=USD&dimensions= Input fundies:NetIncome: 62444000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1796888 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 79.43 million Exact value Exact value: 79425000 USD 2023-01-01 – 2023-12-31: 79425000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2023-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 79425000 USD Concept: fundies:OperatingCashFlow Period: 2023-01-01 to 2023-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2023-12-31&surface=latest&period_type=duration&start=2023-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 79425000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1266425 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 2.57 million Exact value Exact value: 2574000 USD 2023-01-01 – 2023-12-31: 2574000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2023-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2574000 USD Concept: fundies:CapitalExpenditure Period: 2023-01-01 to 2023-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2023-12-31&surface=latest&period_type=duration&start=2023-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2574000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269362 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 76.85 million Calculation and evidence 79425000 − 2574000 USD Exact free cash flow: 76851000 USD 2023-01-01 – 2023-12-31: 79425000 USD · Inspect Operating Cash Flow · Source 2023-01-01 – 2023-12-31: 2574000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2023-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 76851000 USD Concept: free-cash-flow Period: 2023-01-01 to 2023-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 79425000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1266425 Filing: 000101376225003193 Input fundies:CapitalExpenditure: 2574000 USD (2023-01-01 to 2023-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269362 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.
2024 2024-01-01 – 2024-12-31	USD 72.18 million Exact value Exact value: 72179000 USD 2024-01-01 – 2024-12-31: 72179000 USD Inspect Net Income Open source Share or cite Citation for Net Income · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Net Income: 72179000 USD Concept: fundies:NetIncome Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ANetIncome&period=2024-12-31&surface=latest&period_type=duration&start=2024-01-01&unit=USD&dimensions= Input fundies:NetIncome: 72179000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1796433 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 82.23 million Exact value Exact value: 82225000 USD 2024-01-01 – 2024-12-31: 82225000 USD Inspect Operating Cash Flow Open source Share or cite Citation for Operating Cash Flow · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Operating Cash Flow: 82225000 USD Concept: fundies:OperatingCashFlow Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3AOperatingCashFlow&period=2024-12-31&surface=latest&period_type=duration&start=2024-01-01&unit=USD&dimensions= Input fundies:OperatingCashFlow: 82225000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1265974 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 2.88 million Exact value Exact value: 2879000 USD 2024-01-01 – 2024-12-31: 2879000 USD Inspect Capital Expenditure Open source Share or cite Citation for Capital Expenditure · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Capital Expenditure: 2879000 USD Concept: fundies:CapitalExpenditure Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740/explain?concept=fundies%3ACapitalExpenditure&period=2024-12-31&surface=latest&period_type=duration&start=2024-01-01&unit=USD&dimensions= Input fundies:CapitalExpenditure: 2879000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269037 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.	USD 79.35 million Calculation and evidence 82225000 − 2879000 USD Exact free cash flow: 79346000 USD 2024-01-01 – 2024-12-31: 82225000 USD · Inspect Operating Cash Flow · Source 2024-01-01 – 2024-12-31: 2879000 USD · Inspect Capital Expenditure · Source Share or cite Citation for Free cash flow · SAPIENS INTERNATIONAL CORP N V · 2024-12-31 SAPIENS INTERNATIONAL CORP N V (edgar:885740) Free cash flow: 79346000 USD Concept: free-cash-flow Period: 2024-01-01 to 2024-12-31 Values: Latest reported Published: 2026-11-02T22:20:36Z Snapshot: 0f561d229456bea6f31800a291d78f20ddde69571d9241a277c2a7e303a72adb Dimensions: Consolidated View: https://fundies.io/companies/edgar/885740?view=overview&cadence=annual&surface=latest#cash-generation-title Computed: Operating cash flow minus capital expenditure Input fundies:OperatingCashFlow: 82225000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1265974 Filing: 000101376225003193 Input fundies:CapitalExpenditure: 2879000 USD (2024-01-01 to 2024-12-31) Dimensions: Consolidated Source: https://www.sec.gov/Archives/edgar/data/885740/000101376225003193/ea0235334-20f_sapiens.htm#1269037 Filing: 000101376225003193 The citation records this snapshot. The page link may show a newer release later.

Capital expenditure uses the canonical mapped positive-spending convention. A missing, ambiguous, incompatible, or negative-sign input is left blank. Values use the latest reported version.

Dataset coverage and company identifiers

Coverage reflects filings processed into this Fundies dataset; it does not imply every source filing is loaded.

678 filings · 1,440 latest values · 1,440 originally reported values

Dataset published 2026-11-02. Source filing dates and reporting periods are shown separately.

Identifiers: 0000885740, 885740, SPNS, edgar:885740

Also known as SAPIENS INTERNATIONAL CORP N V, SAPIENS INTERNATIONAL CORPORATION N.V.

SAPIENS INTERNATIONAL CORP N V

Latest fiscal year

Revenue

Operating margin

Operating cash flow

Free cash flow

Reported share-count change

Company performance

What changed year over year

Revenue

Net income

Operating cash flow

Capital expenditure

Where revenue goes

2024 2024-01-01 – 2024-12-31

Cash

Share of revenue by period

Growth

Profit and cash

Balance sheet

Cash generation