Definitive Analysis
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Definitive Analysis

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Sector

Sapiens International Corporation N.V. (SPNS)

Company Dividend Discount ModelIndustry: Software - ApplicationSector: Technology

Valuation Snapshot

Stable Growth$50.28 - $227.78$115.69
Multi-Stage$26.79 - $29.26$28.00
Blended Fair Value$71.85
Current Price$29.25
Upside145.64%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS23.65%0.00%0.570.500.690.360.130.200.180.180.170.13
YoY Growth--13.07%-27.05%90.47%187.55%-36.02%10.33%1.29%0.66%36.18%0.00%
Dividend Yield--2.09%1.57%3.16%1.42%0.39%1.03%1.18%2.06%1.35%1.07%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)64.34
(-) Cash Dividends Paid (M)39.25
(=) Cash Retained (M)25.09
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)12.878.044.83
Cash Retained (M)25.0925.0925.09
(-) Cash Required (M)-12.87-8.04-4.83
(=) Excess Retained (M)12.2217.0420.26
(/) Shares Outstanding (M)56.1756.1756.17
(=) Excess Retained per Share0.220.300.36
LTM Dividend per Share0.700.700.70
(+) Excess Retained per Share0.220.300.36
(=) Adjusted Dividend0.921.001.06
WACC / Discount Rate7.42%7.42%7.42%
Growth Rate5.50%6.50%7.50%
Fair Value$50.28$115.69$227.78
Upside / Downside71.90%295.53%678.73%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)64.3468.5272.9777.7182.7688.1490.79
Payout Ratio61.01%66.81%72.60%78.40%84.20%90.00%92.50%
Projected Dividends (M)39.2545.7752.9860.9369.6979.3383.98

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate7.42%7.42%7.42%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)42.2142.6143.01
Year 2 PV (M)45.0545.9146.78
Year 3 PV (M)47.7849.1550.55
Year 4 PV (M)50.4052.3354.33
Year 5 PV (M)52.9055.4658.11
PV of Terminal Value (M)1,266.311,327.481,390.98
Equity Value (M)1,504.661,572.941,643.76
Shares Outstanding (M)56.1756.1756.17
Fair Value$26.79$28.00$29.26
Upside / Downside-8.42%-4.26%0.05%

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