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Sapiens International Corporation N.V. (SPNS)
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Sapiens International Corporation N.V. Balance Sheet 2024-2008 | SPNS
Brief overview of Sapiens International Corporation N.V.'s balance sheet structure
The balance sheet is assessed across five available annual reports spanning 2016 to 2020.
Assets reached $714.2 million, compared with $257.9 million at the beginning. Growth of +177% and CAGR near 29% show active expansion.
Liabilities expanded faster than the asset base, +420.7% versus +177%. Debt-service capacity deserves attention.
The equity ratio reached 53.7% from 75.1%. A high capital share reduces dependence on liabilities.
Negative net debt of -$44 million means cash holdings are larger than debt obligations.
The cash reserve occupies 21.4% of the balance sheet, previously 23.6%. It is one marker of short-term resilience.
By the end of the period, accumulated earnings were $44.6 million; the change from the start was +436.2%.
What the balance sheet shows
Taken together, the figures indicate acceptable resilience for Sapiens International Corporation N.V.. The next assessment depends on debt and equity trends.
Annual Balance Sheet Sapiens International Corporation N.V.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net Debt |
-137 M | -80.6 M | -101 M | - | -44 M | 867 K | 13.8 M | 6.81 M | -46.1 M | -41.3 M | -32.2 M | -55.3 M | -16.6 M | -10.5 M | - | - | - |
Long Term Debt |
19.8 M | 39.5 M | 59.3 M | 79 M | 98.7 M | 58.8 M | 68.6 M | 78.3 M | - | - | - | - | - | 11 M | - | - | - |
Long Term Debt Current |
6.44 M | 6.62 M | - | - | 9.92 M | 8.31 M | 9.9 M | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
62.5 M | 90.6 M | 120 M | 155 M | 186 M | 122 M | 95.3 M | 103 M | 15.7 M | 13.5 M | 15.2 M | 14.3 M | 12.4 M | 11.3 M | 4.74 M | - | - |
Total Current Liabilities |
150 M | 149 M | 146 M | 152 M | 145 M | 105 M | 81.1 M | 70.2 M | 47.7 M | 47 M | 37.4 M | 37.7 M | 31.7 M | 31.9 M | 19.9 M | - | - |
Total Liabilities |
- | - | - | - | 330 M | 227 M | 176 M | 173 M | 63.5 M | 60.5 M | 52.6 M | 52 M | 44.1 M | 43.2 M | - | - | - |
Deferred Revenue |
37.5 M | 38.5 M | 30.7 M | 39.6 M | 34.5 M | 21 M | 18.1 M | 16.5 M | 9.14 M | 10.3 M | 9.27 M | 9.93 M | 7.3 M | 9.6 M | 6.52 M | - | - |
Retained Earnings |
160 M | 120 M | 85.6 M | 71.6 M | 44.6 M | 17.9 M | 2.67 M | -12.9 M | -13.3 M | -32.6 M | -52.6 M | -67.1 M | -78.7 M | -90.5 M | -96.4 M | - | - |
Total Assets |
692 M | 690 M | 668 M | 715 M | 714 M | 452 M | 379 M | 374 M | 258 M | 242 M | 229 M | 222 M | 163 M | 153 M | 58.7 M | - | - |
Cash and Cash Equivalents |
164 M | 127 M | 160 M | - | 153 M | 66.3 M | 64.6 M | 71.5 M | 60.9 M | 54.4 M | 47.4 M | 70.3 M | 29 M | 21.5 M | 16.2 M | 11.2 M | 7.94 M |
Book Value |
692 M | 690 M | 668 M | 715 M | 384 M | 225 M | 202 M | 201 M | 194 M | 182 M | 176 M | 170 M | 118 M | 110 M | 58.7 M | - | - |
Total Shareholders Equity |
480 M | 447 M | 403 M | 409 M | 384 M | 225 M | 202 M | 201 M | 194 M | 181 M | 176 M | 170 M | 118 M | 109 M | 34 M | 26.4 M | 21.9 M |
Annual performance
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All numbers in USD currency
Quarterly Balance Sheet Sapiens International Corporation N.V.
| 2024-Q4 | 2023-Q4 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Long Term Debt |
17.7 M | 21.1 M | 28.4 M | - | - | - | 38.8 M | - | - | - | 48.8 M | - | 44.3 M | - | 43.4 M | - | - | - | 68.6 M | - | - | - | 78.3 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Total Non Current Liabilities |
62.5 M | 90.6 M | 120 M | - | - | - | 155 M | - | - | - | 186 M | - | 166 M | - | 122 M | - | - | - | 95.3 M | - | - | - | 101 M | - | - | - | 14.8 M | - | - | - | 13.1 M | - | 12.7 M | - | 15.2 M | - | - | - | 15 M | 14.5 M | - | - | 12.4 M | - | - | - | 11.3 M | - | - | - |
Deferred Revenue |
37.5 M | 38.5 M | 30.7 M | - | - | - | 39.6 M | - | - | - | 34.5 M | - | 25.1 M | - | 21 M | - | - | - | 18.1 M | - | - | - | 16.5 M | - | - | - | 9.14 M | - | - | - | 10.3 M | - | 10.7 M | - | 9.27 M | - | - | - | 9.93 M | 8.45 M | - | - | 7.3 M | - | - | - | 9.6 M | - | - | - |
Retained Earnings |
160 M | 120 M | 85.6 M | - | - | - | 71.6 M | - | - | - | 44.6 M | - | 27 M | - | 17.9 M | - | - | - | 2.67 M | - | - | - | -12.9 M | - | - | - | -13.3 M | - | - | - | -32.6 M | - | -43.9 M | - | -52.6 M | - | - | - | -67.1 M | -76.3 M | - | - | -78.7 M | - | - | - | -90.5 M | - | - | - |
Total Assets |
692 M | 690 M | 668 M | - | - | - | 715 M | - | - | - | 714 M | - | 527 M | - | 452 M | - | - | - | 379 M | - | - | - | 374 M | - | - | - | 258 M | - | - | - | 242 M | - | 239 M | - | 233 M | - | - | - | 222 M | 178 M | - | - | 163 M | - | - | - | 153 M | - | - | - |
Cash and Cash Equivalents |
164 M | 127 M | 160 M | - | - | - | 190 M | - | - | - | 153 M | - | 128 M | - | 66.3 M | - | 77.3 M | - | 64.6 M | - | - | - | 71.5 M | - | - | - | 60.9 M | - | - | - | 55.7 M | - | 51.1 M | - | 47.4 M | - | 45.4 M | - | 70.3 M | 28.1 M | - | - | 29 M | 33.1 M | - | - | 21.5 M | - | - | - |
Book Value |
692 M | 690 M | 668 M | - | - | - | 715 M | - | - | - | 714 M | - | 527 M | - | 452 M | - | - | - | 379 M | - | - | - | 374 M | - | - | - | 258 M | - | - | - | 242 M | - | 239 M | - | 233 M | - | - | - | 222 M | 178 M | - | - | 163 M | - | - | - | 153 M | - | - | - |
Total Shareholders Equity |
480 M | 450 M | 403 M | - | - | - | 409 M | - | - | - | 384 M | - | 237 M | - | 225 M | - | 220 M | - | 202 M | - | - | - | 201 M | - | - | - | 194 M | - | - | - | 182 M | - | 181 M | - | 178 M | - | 179 M | - | 170 M | 127 M | - | - | 118 M | 118 M | - | - | 110 M | - | - | - |
Quarterly performance
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All numbers in USD currency
Balance Sheet is a fundamental financial report of Sapiens International Corporation N.V., providing a complete picture of the company’s financial position at a specific point in time. Unlike the income statement, which records the results of operations over a certain period, the balance sheet shows what assets the company owns, what liabilities it has to creditors, and what equity is available to the owners.
For an investor, the balance sheet is important because it allows assessing the company’s financial stability, understanding how much debt it carries, and how dependent it is on borrowed financing. It helps calculate key liquidity and leverage ratios. When analyzing, attention should be paid to the debt-to-equity ratio (Debt/Equity), the amount of cash on the balance sheet, and the ratio of current liabilities to liquid assets.
Features of balance sheet analysis- Vertical and horizontal analysis
Vertical analysis shows the structure of the balance sheet as a percentage of total assets or liabilities, while horizontal analysis shows the dynamics of changes over multiple periods. - Asset quality
It is important to evaluate not only the amount of assets but also their liquidity and realizability. - Accounting for off-balance sheet liabilities
Some liabilities may not be directly reflected in the balance sheet, which requires additional attention.
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