Definitive Analysis
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Definitive Analysis

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Company Industry Sector

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Company Industry Sector

Ticker

Industry

Sector

Sapiens International Corporation N.V. (SPNS)

Company Dividend Discount ModelIndustry: Software - ApplicationSector: Technology

Valuation Snapshot

Stable Growth$30.90 - $100.92$50.14
Multi-Stage$20.85 - $22.75$21.78
Blended Fair Value$35.96
Current Price$29.25
Upside22.95%
DecisionDon't Buy

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 Rate8.63%8.63%8.63%
Growth Rate5.50%6.50%7.50%
Fair Value$30.90$50.14$100.92
Upside / Downside5.63%71.43%245.01%

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 Rate8.63%8.63%8.63%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)41.7442.1442.53
Year 2 PV (M)44.0644.9045.74
Year 3 PV (M)46.2147.5348.88
Year 4 PV (M)48.1950.0551.95
Year 5 PV (M)50.0352.4554.96
PV of Terminal Value (M)940.96986.411,033.60
Equity Value (M)1,171.191,223.471,277.67
Shares Outstanding (M)56.1756.1756.17
Fair Value$20.85$21.78$22.75
Upside / Downside-28.72%-25.53%-22.24%

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