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Sapiens International Corporation NV
Buy, Hold or Sell?

Let's analyze Sapiens together

I guess you are interested in Sapiens International Corporation NV. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Sapiens International Corporation NV. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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Quick analysis of Sapiens (30 sec.)










What can you expect buying and holding a share of Sapiens? (30 sec.)

How much money do you get?

How much money do you get?
ILA0.00
When do you have the money?
1 year
How often do you get paid?
80.0%

What is your share worth?

Current worth
ILA7.96
Expected worth in 1 year
ILA8.42
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
ILA0.72
Return On Investment
0.0%

For what price can you sell your share?

Current Price per Share
ILA14,300.00
Expected price per share
ILA12,020 - ILA
How sure are you?
50%
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1. Valuation of Sapiens (5 min.)




Live pricePrice per Share (EOD)

ILA14,300.00

Intrinsic Value Per Share

ILA13.97 - ILA16.36

Total Value Per Share

ILA21.93 - ILA24.32

2. Growth of Sapiens (5 min.)




Is Sapiens growing?

Current yearPrevious yearGrowGrow %
How rich?$1.2m$1m$103.9k8.7%

How much money is Sapiens making?

Current yearPrevious yearGrowGrow %
Making money$16.4m$13.2m$3.1m19.4%
Net Profit Margin12.5%11.0%--

How much money comes from the company's main activities?

3. Financial Health of Sapiens (5 min.)




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What can you expect buying and holding a share of Sapiens? (5 min.)

Welcome investor! Sapiens's management wants to use your money to grow the business. In return you get a share of Sapiens.

What can you expect buying and holding a share of Sapiens?

First you should know what it really means to hold a share of Sapiens. And how you can make/lose money.

Speculation

The Price per Share of Sapiens is ILA14,300. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Sapiens.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Sapiens, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ILA7.96. Based on the TTM, the Book Value Change Per Share is ILA0.11 per quarter. Based on the YOY, the Book Value Change Per Share is ILA0.00 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ILA0.06 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Sapiens.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ILA% of Price per ShareILA% of Price per ShareILA% of Price per ShareILA% of Price per ShareILA% of Price per Share
Usd Eps0.310.0%0.290.0%0.240.0%0.210.0%0.150.0%
Usd Book Value Change Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Price Per Share32.58-29.61-20.12-24.31-20.19-
Price to Earnings Ratio26.12-25.12-21.49-30.97-29.40-
Price-to-Total Gains Ratio-102,559.53-159,721.03--24,103.54-45,414.55-36,961.89-
Price to Book Ratio1,490.40-1,387.42-1,043.05-1,459.15-1,371.83-
Price-to-Total Gains Ratio-102,559.53-159,721.03--24,103.54-45,414.55-36,961.89-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share39.2821
Number of shares25
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.000.00
Usd Total Gains Per Share0.000.00
Gains per Quarter (25 shares)0.010.03
Gains per Year (25 shares)0.050.11
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
100-1000-10
200-1000-10
300-1000-10
400-1000-10
500-1000-10
600-1000-10
700-1000-10
800-1000-10
900-1001-10
1000-1001-10

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%28.02.00.093.3%28.02.00.093.3%
Book Value Change Per Share3.01.00.075.0%8.04.00.066.7%15.05.00.075.0%22.08.00.073.3%22.08.00.073.3%
Dividend per Share1.00.03.025.0%7.00.05.058.3%15.00.05.075.0%24.00.06.080.0%24.00.06.080.0%
Total Gains per Share3.01.00.075.0%9.03.00.075.0%17.03.00.085.0%27.03.00.090.0%27.03.00.090.0%
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Fundamentals of Sapiens

About Sapiens International Corporation NV

Sapiens International Corporation N.V. provides software solutions for the insurance industry in North America, the United Kingdom, Europe, the Middle East, Africa, the Asia Pacific, and internationally. The company provides various solutions for property and casualty commercial and personal lines, life and pensions, and reinsurance fields. It offers IDITSuite, an AI powered, end-to-end insurance software; DigitalSuite, a cloud-native, future-proof digital engagement platform; IDITGo, a pre-configured, data-enriched insurance launch and accelerator platform solutions; consultancy services for property and casualty commercial lines; and Tia Enterprise solution for customer engagement. The company also provides CoreSuite, an end-to-end cloud and digital PAS for individual and group products across life, health, wealth, and pensions; CustomerConnect, a dynamic self-service and persona-based portal to engage with insureds; AgentConnect, a portal for agents and brokers to focus on sales enablement, customer retention, and increasing customer value; and ReinsuranceMaster, a reinsurance automation software that provides insurers full financial control and flexibility over their entire reinsurance process. The company was founded in 1982 and is headquartered in Holon, Israel.

Fundamental data was last updated by Penke on 2024-07-10 20:54:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is very efficient in making profit.
Using its investors money, the company is very efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is able to pay all its short-term debts.
The company is just able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is very able to pay all its debts by selling its assets.
The company is very able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is expensive.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is expensive.
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1.1. Profitability of Sapiens International Corporation NV.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Sapiens earns for each 1 of revenue.

  • Above 10% is considered healthy but always compare¬†Sapiens to the¬†Software - Application industry mean.
  • A Net Profit Margin of 12.9%¬†means that¬†0.13 for each 1¬†in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Sapiens International Corporation NV:

  • The MRQ is 12.9%. The company is making a huge profit. +2
  • The TTM is 12.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ12.9%TTM12.5%+0.4%
TTM12.5%YOY11.0%+1.5%
TTM12.5%5Y10.0%+2.5%
5Y10.0%10Y7.9%+2.1%
1.1.2. Return on Assets

Shows how efficient Sapiens is using its assets to generate profit.

  • Above 5% is considered healthy¬†but always compare¬†Sapiens to the¬†Software - Application industry mean.
  • 925.0% Return on Assets means that¬†Sapiens generated¬†9.25 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Sapiens International Corporation NV:

  • The MRQ is 925.0%. Using its assets, the company is very efficient in making profit. +2
  • The TTM is 892.7%. Using its assets, the company is very efficient in making profit. +2
Trends
Current periodCompared to+/- 
MRQ925.0%TTM892.7%+32.4%
TTM892.7%YOY733.1%+159.6%
TTM892.7%5Y657.6%+235.1%
5Y657.6%10Y523.8%+133.8%
1.1.3. Return on Equity

Shows how efficient Sapiens is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare¬†Sapiens to the¬†Software - Application industry mean.
  • 1,434.9% Return on Equity means Sapiens generated 14.35¬†for each¬†1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Sapiens International Corporation NV:

  • The MRQ is 1,434.9%. Using its investors money, the company is very efficient in making profit. +2
  • The TTM is 1,387.8%. Using its investors money, the company is very efficient in making profit. +2
Trends
Current periodCompared to+/- 
MRQ1,434.9%TTM1,387.8%+47.1%
TTM1,387.8%YOY1,223.9%+163.9%
TTM1,387.8%5Y1,166.5%+221.4%
5Y1,166.5%10Y934.6%+231.9%
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1.2. Operating Efficiency of Sapiens International Corporation NV.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Sapiens is operating .

  • Measures how much profit Sapiens makes for each 1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare¬†Sapiens to the¬†Software - Application industry mean.
  • An Operating Margin of 0.0%¬†means the company generated 0.00 ¬†for each 1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Sapiens International Corporation NV:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY14.3%-14.3%
TTM-5Y10.7%-10.7%
5Y10.7%10Y9.7%+1.0%
1.2.2. Operating Ratio

Measures how efficient Sapiens is keeping operating costs low.

  • Below 1 is considered healthy (always compare to¬†Software - Application industry mean).
  • An Operation Ratio of 1.42 means that the operating costs are 1.42 for each 1 in net sales.

Let's take a look of the Operating Ratio trends of Sapiens International Corporation NV:

  • The MRQ is 1.418. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.419. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.418TTM1.4190.000
TTM1.419YOY1.434-0.015
TTM1.4195Y1.461-0.042
5Y1.46110Y1.493-0.032
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1.3. Liquidity of Sapiens International Corporation NV.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Sapiens is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to¬†Software - Application industry mean).
  • A Current Ratio of 1.84¬†means the company has 1.84 in assets for each 1 in short-term debts.

Let's take a look of the Current Ratio trends of Sapiens International Corporation NV:

  • The MRQ is 1.838. The company is able to pay all its short-term debts. +1
  • The TTM is 2.011. The company is able to pay all its short-term debts. +1
Trends
Current periodCompared to+/- 
MRQ1.838TTM2.011-0.173
TTM2.011YOY1.895+0.116
TTM2.0115Y1.765+0.246
5Y1.76510Y1.720+0.045
1.3.2. Quick Ratio

Measures if Sapiens is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but¬†always compare¬†Sapiens to the¬†Software - Application industry mean.
  • A Quick Ratio of 1.05¬†means the company can pay off 1.05 for each 1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Sapiens International Corporation NV:

  • The MRQ is 1.053. The company is just able to pay all its short-term debts with the most liquid assets.
  • The TTM is 1.121. The company is just able to pay all its short-term debts with the most liquid assets.
Trends
Current periodCompared to+/- 
MRQ1.053TTM1.121-0.068
TTM1.121YOY0.931+0.190
TTM1.1215Y0.824+0.297
5Y0.82410Y0.822+0.002
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1.4. Solvency of Sapiens International Corporation NV.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Sapiens assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare¬†Sapiens to Software - Application industry mean.
  • A Debt to Asset Ratio of 0.35¬†means that Sapiens assets are¬†financed with 35.1% credit (debt) and the remaining percentage (100% - 35.1%)¬†is financed by its owners/shareholders.¬†

Let's take a look of the Debt to Asset Ratio trends of Sapiens International Corporation NV:

  • The MRQ is 0.351. The company is very able to pay all its debts by selling its assets. +2
  • The TTM is 0.353. The company is very able to pay all its debts by selling its assets. +2
Trends
Current periodCompared to+/- 
MRQ0.351TTM0.353-0.002
TTM0.353YOY0.399-0.046
TTM0.3535Y0.439-0.086
5Y0.43910Y0.438+0.001
1.4.2. Debt to Equity Ratio

Measures if Sapiens is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but¬†always compare¬†Sapiens to the¬†Software - Application industry mean.
  • A Debt to Equity ratio of 54.5% means that company has 0.55 debt for each 1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Sapiens International Corporation NV:

  • The MRQ is 0.545. The company is very able to pay all its debts with equity. +2
  • The TTM is 0.549. The company is very able to pay all its debts with equity. +2
Trends
Current periodCompared to+/- 
MRQ0.545TTM0.549-0.004
TTM0.549YOY0.667-0.118
TTM0.5495Y0.810-0.261
5Y0.81010Y0.807+0.003
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2. Market Valuation of Sapiens International Corporation NV

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every 1 in earnings Sapiens generates.

  • Above 15 is considered overpriced but¬†always compare¬†Sapiens to the¬†Software - Application industry mean.
  • A PE ratio of 26.12 means the investor is paying 26.12¬†for every 1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Sapiens International Corporation NV:

  • The EOD is 31.499. Based on the earnings, the company is overpriced. -1
  • The MRQ is 26.124. Based on the earnings, the company is overpriced. -1
  • The TTM is 25.123. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD31.499MRQ26.124+5.375
MRQ26.124TTM25.123+1.001
TTM25.123YOY21.492+3.631
TTM25.1235Y30.972-5.848
5Y30.97210Y29.397+1.575
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Sapiens International Corporation NV:

  • The EOD is 12,222.950. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is 10,137.356. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is 29,521.772. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD12,222.950MRQ10,137.356+2,085.594
MRQ10,137.356TTM29,521.772-19,384.416
TTM29,521.772YOY23,584.155+5,937.617
TTM29,521.7725Y15,620.598+13,901.174
5Y15,620.59810Y10,413.732+5,206.866
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Sapiens is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy¬†(always compare to Software - Application industry mean).
  • A PB ratio of 1,490.40 means the investor is paying 1,490.40¬†for each 1 in book value.

Let's take a look of the Price to Book Ratio trends of Sapiens International Corporation NV:

  • The EOD is 1,797.027. Based on the equity, the company is expensive. -2
  • The MRQ is 1,490.402. Based on the equity, the company is expensive. -2
  • The TTM is 1,387.419. Based on the equity, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD1,797.027MRQ1,490.402+306.626
MRQ1,490.402TTM1,387.419+102.982
TTM1,387.419YOY1,043.049+344.370
TTM1,387.4195Y1,459.152-71.732
5Y1,459.15210Y1,371.826+87.326
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of Sapiens International Corporation NV compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---0.1160.115-201%0.001-20724%0.208-156%0.265-144%
Book Value Per Share--7.9587.768+2%7.039+13%6.324+26%5.429+47%
Current Ratio--1.8382.011-9%1.895-3%1.765+4%1.720+7%
Debt To Asset Ratio--0.3510.3530%0.399-12%0.439-20%0.438-20%
Debt To Equity Ratio--0.5450.549-1%0.667-18%0.810-33%0.807-32%
Dividend Per Share---0.064-100%0.171-100%0.181-100%0.175-100%
Eps--113.495107.232+6%85.744+32%75.844+50%55.597+104%
Free Cash Flow Per Share--0.2920.299-2%0.172+71%0.250+17%0.250+17%
Free Cash Flow To Equity Per Share---0.1180.091-229%-0.178+50%0.214-155%0.214-155%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max--16.360--------
Intrinsic Value_10Y_min--13.971--------
Intrinsic Value_1Y_max--1.162--------
Intrinsic Value_1Y_min--1.141--------
Intrinsic Value_3Y_max--3.856--------
Intrinsic Value_3Y_min--3.674--------
Intrinsic Value_5Y_max--6.988--------
Intrinsic Value_5Y_min--6.454--------
Market Cap796984760000.000+17%660996155240.000600706553215.000+10%411166670835.000+61%493825840890.000+34%410069380500.000+61%
Net Profit Margin--0.1290.125+3%0.110+18%0.100+29%0.079+64%
Operating Margin----0%0.143-100%0.107-100%0.097-100%
Operating Ratio--1.4181.4190%1.434-1%1.461-3%1.493-5%
Pb Ratio1797.027+17%1490.4021387.419+7%1043.049+43%1459.152+2%1371.826+9%
Pe Ratio31.499+17%26.12425.123+4%21.492+22%30.972-16%29.397-11%
Price Per Share14300.000+17%11860.00010778.250+10%7323.000+62%8849.650+34%7350.467+61%
Price To Free Cash Flow Ratio12222.950+17%10137.35629521.772-66%23584.155-57%15620.598-35%10413.732-3%
Price To Total Gains Ratio-123659.464-21%-102559.528159721.033-164%-24103.543-76%45414.554-326%36961.890-377%
Quick Ratio--1.0531.121-6%0.931+13%0.824+28%0.822+28%
Return On Assets--9.2508.927+4%7.331+26%6.576+41%5.238+77%
Return On Equity--14.34913.878+3%12.239+17%11.665+23%9.346+54%
Total Gains Per Share---0.1160.179-165%0.172-167%0.389-130%0.440-126%
Usd Book Value--1218299.9941189347.301+2%1085443.399+12%969837.003+26%832280.017+46%
Usd Book Value Change Per Share--0.0000.000-201%0.000-20724%0.001-156%0.001-144%
Usd Book Value Per Share--0.0220.021+2%0.019+13%0.017+26%0.015+47%
Usd Dividend Per Share---0.000-100%0.000-100%0.000-100%0.000-100%
Usd Eps--0.3120.295+6%0.236+32%0.208+50%0.153+104%
Usd Free Cash Flow--44778.84745845.370-2%26299.091+70%32536.979+38%21691.319+106%
Usd Free Cash Flow Per Share--0.0010.001-2%0.000+71%0.001+17%0.001+17%
Usd Free Cash Flow To Equity Per Share--0.0000.000-229%0.000+50%0.001-155%0.001-155%
Usd Market Cap2189317135.720+17%1815756438.4441650140901.682+10%1129474844.784+61%1356539584.925+34%1126460588.234+61%
Usd Price Per Share39.282+17%32.57929.608+10%20.116+62%24.310+34%20.192+61%
Usd Profit--17376047.41016417161.845+6%13228717.200+31%11435761.341+52%8502585.780+104%
Usd Revenue--134373098.433131149120.973+2%120551833.994+11%110922140.622+21%97062807.692+38%
Usd Total Gains Per Share--0.0000.000-165%0.000-167%0.001-130%0.001-126%
 EOD+3 -5MRQTTM+17 -17YOY+23 -125Y+23 -1210Y+23 -12

3.2. Fundamental Score

Let's check the fundamental score of Sapiens International Corporation NV based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1531.499
Price to Book Ratio (EOD)Between0-11,797.027
Net Profit Margin (MRQ)Greater than00.129
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than11.053
Current Ratio (MRQ)Greater than11.838
Debt to Asset Ratio (MRQ)Less than10.351
Debt to Equity Ratio (MRQ)Less than10.545
Return on Equity (MRQ)Greater than0.1514.349
Return on Assets (MRQ)Greater than0.059.250
Total7/10 (70.0%)

3.3. Technical Score

Let's check the technical score of Sapiens International Corporation NV based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5079.345
Ma 20Greater thanMa 5013,145.500
Ma 50Greater thanMa 10012,700.400
Ma 100Greater thanMa 20011,999.900
OpenGreater thanClose14,310.000
Total5/5 (100.0%)



Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in ILA. All numbers in thousands.

Summary
Total Assets683,799
Total Liabilities240,297
Total Stockholder Equity440,825
 As reported
Total Liabilities 240,297
Total Stockholder Equity+ 440,825
Total Assets = 683,799

Assets

Total Assets683,799
Total Current Assets319,365
Long-term Assets364,434
Total Current Assets
Cash And Cash Equivalents 116,689
Short-term Investments 79,200
Net Receivables 103,735
Total Current Assets  (as reported)319,365
Total Current Assets  (calculated)299,624
+/- 19,741
Long-term Assets
Property Plant Equipment 33,513
Long-term Assets Other 16,362
Long-term Assets  (as reported)364,434
Long-term Assets  (calculated)49,875
+/- 314,559

Liabilities & Shareholders' Equity

Total Current Liabilities173,759
Long-term Liabilities66,538
Total Stockholder Equity440,825
Total Current Liabilities
Short Long Term Debt 19,796
Accounts payable 9,767
Total Current Liabilities  (as reported)173,759
Total Current Liabilities  (calculated)29,563
+/- 144,196
Long-term Liabilities
Long term Debt 19,756
Capital Lease Obligations Min Short Term Debt24,875
Long-term Liabilities Other 11,474
Long-term Liabilities  (as reported)66,538
Long-term Liabilities  (calculated)56,105
+/- 10,433
Total Stockholder Equity
Total Stockholder Equity (as reported)440,825
Total Stockholder Equity (calculated)0
+/- 440,825
Other
Common Stock Shares Outstanding 55,733
Net Invested Capital 39,552
Net Working Capital 145,606
Property Plant and Equipment Gross 33,513



Balance Sheet

Currency in ILA. All numbers in thousands.

 Trend2024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-31
> Total Assets 
257,851
341,074
347,709
382,501
373,619
383,927
375,247
388,740
378,865
417,776
446,989
447,567
452,421
468,323
527,294
550,083
714,161
696,553
694,504
699,884
714,993
707,883
655,413
642,155
666,751
663,318
653,045
650,153
689,624
683,799
683,799689,624650,153653,045663,318666,751642,155655,413707,883714,993699,884694,504696,553714,161550,083527,294468,323452,421447,567446,989417,776378,865388,740375,247383,927373,619382,501347,709341,074257,851
   > Total Current Assets 
120,201
95,988
105,054
144,866
130,973
122,629
122,243
134,893
130,011
135,578
143,724
137,942
147,223
147,620
199,988
205,871
267,358
263,440
261,861
275,415
300,345
303,136
269,978
269,139
285,307
288,111
283,294
290,387
314,903
319,365
319,365314,903290,387283,294288,111285,307269,139269,978303,136300,345275,415261,861263,440267,358205,871199,988147,620147,223137,942143,724135,578130,011134,893122,243122,629130,973144,866105,05495,988120,201
       Cash And Cash Equivalents 
60,908
35,115
46,416
80,493
71,467
61,749
59,207
64,079
64,628
63,384
77,282
73,138
66,295
79,557
127,978
131,667
152,561
142,184
155,805
144,714
190,243
171,309
141,129
146,916
160,285
116,654
89,417
97,061
126,716
116,689
116,689126,71697,06189,417116,654160,285146,916141,129171,309190,243144,714155,805142,184152,561131,667127,97879,55766,29573,13877,28263,38464,62864,07959,20761,74971,46780,49346,41635,11560,908
       Short-term Investments 
18,220
0
0
0
0
0
0
0
0
0
0
0
22,890
0
0
0
30,000
30,000
20,000
40,000
20,000
35,000
35,000
20,000
20,000
65,000
90,000
75,400
75,400
79,200
79,20075,40075,40090,00065,00020,00020,00035,00035,00020,00040,00020,00030,00030,00000022,8900000000000018,220
       Net Receivables 
41,073
60,873
58,638
64,373
59,506
60,880
63,036
70,814
65,383
64,201
58,827
57,237
58,038
68,063
72,010
74,204
84,797
91,256
86,056
90,701
89,914
82,473
93,849
102,223
104,913
106,457
89,338
98,833
60,024
103,735
103,73560,02498,83389,338106,457104,913102,22393,84982,47389,91490,70186,05691,25684,79774,20472,01068,06358,03857,23758,82764,20165,38370,81463,03660,88059,50664,37358,63860,87341,073
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
22,890
0
0
0
0
0
0
0
188
0
0
0
109
0
0
0
0
0
00000109000188000000022,890000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
282,198
303,265
309,625
305,198
320,703
327,306
344,212
446,803
433,113
432,643
424,469
414,648
404,747
385,435
373,016
381,444
375,207
369,751
359,766
374,721
364,434
364,434374,721359,766369,751375,207381,444373,016385,435404,747414,648424,469432,643433,113446,803344,212327,306320,703305,198309,625303,265282,198000000000
       Property Plant Equipment 
9,807
10,945
10,435
9,285
10,695
10,163
9,228
9,039
8,515
40,920
63,370
68,193
66,140
62,529
66,717
66,044
71,360
68,301
65,417
63,837
58,123
0
49,984
46,688
45,709
39,051
36,717
34,759
36,218
33,513
33,51336,21834,75936,71739,05145,70946,68849,984058,12363,83765,41768,30171,36066,04466,71762,52966,14068,19363,37040,9208,5159,0399,22810,16310,6959,28510,43510,9459,807
       Goodwill 
73,597
0
0
0
158,559
0
0
0
166,094
0
0
0
170,703
0
186,094
0
264,282
0
0
0
261,141
0
0
0
252,232
0
0
0
256,310
0
0256,310000252,232000261,141000264,2820186,0940170,703000166,094000158,55900073,597
       Long Term Investments 
17,228
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0000000000000000000000000000017,228
       Intangible Assets 
28,354
225,845
224,570
219,978
65,170
242,062
235,658
235,980
65,254
231,223
230,069
230,935
57,988
0
62,639
0
99,315
0
0
0
82,142
0
0
0
67,429
0
0
0
61,042
0
061,04200067,42900082,14200099,315062,639057,988230,935230,069231,22365,254235,980235,658242,06265,170219,978224,570225,84528,354
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
5,301
4,885
5,445
2,091
6,549
6,017
6,095
5,264
6,078
8,269
7,685
7,288
7,207
8,072
6,607
12,078
15,619
16,864
16,399
392
16,362
16,36239216,39916,86415,61912,0786,6078,0727,2077,2887,6858,2696,0785,2646,0956,0176,5492,0915,4454,8855,301000000000
> Total Liabilities 
62,552
141,674
146,851
178,468
171,392
176,784
170,700
188,266
176,381
205,970
226,897
230,914
226,923
240,469
290,236
297,183
330,467
310,062
313,323
309,119
306,273
290,126
272,756
264,997
263,897
245,436
234,364
230,434
239,677
240,297
240,297239,677230,434234,364245,436263,897264,997272,756290,126306,273309,119313,323310,062330,467297,183290,236240,469226,923230,914226,897205,970176,381188,266170,700176,784171,392178,468146,851141,67462,552
   > Total Current Liabilities 
47,748
77,889
88,207
71,301
70,169
83,926
79,651
95,602
81,103
93,711
96,668
101,098
104,912
129,151
124,111
128,575
144,776
146,792
153,924
151,431
151,695
158,059
148,787
143,251
145,956
148,977
140,562
139,601
149,124
173,759
173,759149,124139,601140,562148,977145,956143,251148,787158,059151,695151,431153,924146,792144,776128,575124,111129,151104,912101,09896,66893,71181,10395,60279,65183,92670,16971,30188,20777,88947,748
       Short-term Debt 
0
40,000
38,000
78,238
78,281
9,898
9,898
9,898
9,898
9,898
9,898
9,898
9,898
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000009,8989,8989,8989,8989,8989,8989,8989,89878,28178,23838,00040,0000
       Short Long Term Debt 
0
40,000
38,000
78,238
78,281
9,898
9,898
9,898
9,898
9,898
9,898
9,898
9,898
29,898
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,796
19,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79619,79629,8989,8989,8989,8989,8989,8989,8989,8989,89878,28178,23838,00040,0000
       Accounts payable 
6,562
7,136
7,566
6,816
7,044
5,656
3,696
10,012
6,149
5,814
6,491
5,506
5,107
5,650
5,738
5,306
5,389
6,057
6,762
8,983
5,008
5,264
11,844
11,772
9,415
2,467
8,475
8,508
6,291
9,767
9,7676,2918,5088,4752,4679,41511,77211,8445,2645,0088,9836,7626,0575,3895,3065,7385,6505,1075,5066,4915,8146,14910,0123,6965,6567,0446,8167,5667,1366,562
       Other Current Liabilities 
9,137
18,729
24,297
20,821
16,513
20,228
22,798
18,347
18,057
22,259
22,782
22,691
21,021
22,797
25,061
26,450
35,255
41,470
42,573
33,634
39,614
0
35,571
32,110
30,720
38,920
0
0
0
0
000038,92030,72032,11035,571039,61433,63442,57341,47035,25526,45025,06122,79721,02122,69122,78222,25918,05718,34722,79820,22816,51320,82124,29718,7299,137
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
112,259
130,229
129,816
122,011
111,318
166,125
168,608
185,691
163,270
159,399
157,688
154,578
132,067
123,969
121,746
117,941
96,459
93,802
90,833
90,553
66,538
66,53890,55390,83393,80296,459117,941121,746123,969132,067154,578157,688159,399163,270185,691168,608166,125111,318122,011129,816130,229112,259000000000
       Capital Lease Obligations Min Short Term Debt
0
-40,000
-38,000
-78,238
-78,281
-9,898
-9,898
-9,898
-9,898
24,569
46,314
45,920
41,808
48,865
53,392
54,492
58,697
57,250
55,376
53,931
49,578
47,542
41,507
38,499
37,495
31,569
29,500
27,925
27,707
24,875
24,87527,70727,92529,50031,56937,49538,49941,50747,54249,57853,93155,37657,25058,69754,49253,39248,86541,80845,92046,31424,569-9,898-9,898-9,898-9,898-78,281-78,238-38,000-40,0000
       Long-term Liabilities Other 
0
0
0
0
0
0
0
0
0
7,464
7,723
8,228
8,321
7,975
8,312
10,847
12,129
13,037
12,847
12,772
12,144
12,160
11,127
11,903
11,719
13,097
12,728
12,499
11,538
11,474
11,47411,53812,49912,72813,09711,71911,90311,12712,16012,14412,77212,84713,03712,12910,8478,3127,9758,3218,2287,7237,464000000000
> Total Stockholder Equity
193,595
198,492
199,950
203,125
200,043
205,790
203,194
200,474
201,044
210,366
218,652
215,213
223,819
226,175
235,270
251,112
383,694
384,487
379,177
388,761
408,720
415,585
380,485
374,986
402,854
415,532
416,331
417,369
447,270
440,825
440,825447,270417,369416,331415,532402,854374,986380,485415,585408,720388,761379,177384,487383,694251,112235,270226,175223,819215,213218,652210,366201,044200,474203,194205,790200,043203,125199,950198,492193,595
   Common Stock
681
198,492
199,950
203,125
689
205,790
203,194
200,474
695
211,806
220,092
216,653
697
227,854
700
252,900
751
386,491
381,181
390,765
756
0
382,657
377,158
756
417,882
0
0
0
0
0000417,882756377,158382,6570756390,765381,181386,491751252,900700227,854697216,653220,092211,806695200,474203,194205,790689203,125199,950198,492681
   Retained Earnings Total Equity000000000000000000000000000000
   Accumulated Other Comprehensive Income 000000000000000000000000000000
   Capital Surplus 000000000000000000000000000000
   Treasury Stock000000000000000000000000000000
   Other Stockholders Equity 
-11,167
0
0
0
528
0
0
0
-7,820
0
0
0
-2,381
0
-3,712
0
11,026
0
0
0
2,819
0
0
0
-21,138
0
0
0
0
0
00000-21,1380002,81900011,0260-3,7120-2,381000-7,820000528000-11,167



Balance Sheet

Currency in ILA. All numbers in thousands.




Cash Flow

Currency in ILA. All numbers in thousands.




Income Statement

Currency in USD. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue514,584
Cost of Revenue-294,990
Gross Profit219,594219,594
 
Operating Income (+$)
Gross Profit219,594
Operating Expense-435,716
Operating Income78,868-216,122
 
Operating Expense (+$)
Research Development63,475
Selling General Administrative77,251
Selling And Marketing Expenses-
Operating Expense435,716140,726
 
Net Interest Income (+$)
Interest Income2,945
Interest Expense-1,699
Other Finance Cost-1,359
Net Interest Income2,605
 
Pretax Income (+$)
Operating Income78,868
Net Interest Income2,605
Other Non-Operating Income Expenses-
Income Before Tax (EBT)77,11883,223
EBIT - interestExpense = -1,699
62,444
64,143
Interest Expense1,699
Earnings Before Interest and Taxes (EBIT)-78,817
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax77,118
Tax Provision-14,251
Net Income From Continuing Ops62,86762,867
Net Income62,444
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net-4,355-2,605
 

Technical Analysis of Sapiens
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Sapiens. The general trend of Sapiens is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Sapiens's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Sapiens International Corporation NV.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: .

The bearish price targets are: 12,670 > 12,320 > 12,020.

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Sapiens International Corporation NV Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging¬†trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Sapiens International Corporation NV. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Sapiens International Corporation NV Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a¬†lagging momentum¬†indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Sapiens International Corporation NV. The current macd is 437.59.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Sapiens price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Sapiens. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Sapiens price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Sapiens International Corporation NV Daily Moving Average Convergence/Divergence (MACD) ChartSapiens International Corporation NV Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Sapiens International Corporation NV. The current adx is 35.19.

The long score for the Directional Movement Index (DMI) is 4/7.
The longshort score for the Directional Movement Index (DMI) is 4/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Sapiens shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX > 25 && ADX trending up: The ADX is above 25 and indicates a strong bullish trend. The ADX is trending up, so the bullish trend is strengthening.
Sapiens International Corporation NV Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows¬†the current trend.
  • Shows¬†potential entry signals.
  • Shows¬†¬†potential exit signals.
  • Can be used to place¬†trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Sapiens International Corporation NV. The current sar is 13,505.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Sapiens International Corporation NV Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum¬†indicator, meaning the signals are instant.
  • Ranges¬†between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Sapiens International Corporation NV. The current rsi is 79.35. The current phase is Overbought in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -2/(-13 +13).

  • Overbought in bull market: Short-term excessive buying, potential for pullback. Consider taking profits, be cautious of potential correction. -1
  • Trending down: The RSI is trending down. -1
Sapiens International Corporation NV Daily Relative Strength Index (RSI) ChartSapiens International Corporation NV Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading¬†momentum¬†indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges¬†between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Sapiens International Corporation NV. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Sapiens price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Sapiens International Corporation NV Daily Stochastic Oscillator ChartSapiens International Corporation NV Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,¬†the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Sapiens International Corporation NV. The current cci is 179.55.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Sapiens International Corporation NV Daily Commodity Channel Index (CCI) ChartSapiens International Corporation NV Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Sapiens International Corporation NV. The current cmo is 70.52.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Sapiens International Corporation NV Daily Chande Momentum Oscillator (CMO) ChartSapiens International Corporation NV Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and¬†-100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Sapiens International Corporation NV. The current willr is -7.64705882.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Sapiens International Corporation NV Daily Williams %R ChartSapiens International Corporation NV Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold¬†

Score

Let's take a look at the Bollinger Bands of Sapiens International Corporation NV.

Sapiens International Corporation NV Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Sapiens International Corporation NV. The current atr is 289.32.

Sapiens International Corporation NV Daily Average True Range (ATR) ChartSapiens International Corporation NV Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Sapiens International Corporation NV. The current obv is 3,201,684.

Sapiens International Corporation NV Daily On-Balance Volume (OBV) ChartSapiens International Corporation NV Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Sapiens International Corporation NV. The current mfi is 73.86.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Sapiens International Corporation NV Daily Money Flow Index (MFI) ChartSapiens International Corporation NV Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Sapiens International Corporation NV.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-05MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-10DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-12SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2024-03-13MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-31STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-04-01RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-04-03STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-04-04RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-04-07STOCH LONG EXITThe %K line crosses below the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-04-09SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-04-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-04-15WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-04-24STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-04-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-05-01WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-05-02DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-05-06CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-05-07DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2024-05-08SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-05-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-05-12STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-15STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-05-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-05-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-22STOCH SHORT EXITThe %K line crosses above the %D line.
2024-05-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-26STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-05-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-05-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-06-02SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-06-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-06-05DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-09DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-06-10STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-06-13DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-06-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-06-17STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-06-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-06-23SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-06-24WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-06-25DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-06-26DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-06-27DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-06-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-07-04BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-07-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-07-11STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-07-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-07-16STOCH LONG EXITThe %K line crosses below the %D line.
2024-07-17STOCH SHORT EXITThe %K line crosses above the %D line.
2024-07-18STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

Sapiens International Corporation NV Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Sapiens International Corporation NV based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5079.345
Ma 20Greater thanMa 5013,145.500
Ma 50Greater thanMa 10012,700.400
Ma 100Greater thanMa 20011,999.900
OpenGreater thanClose14,310.000
Total5/5 (100.0%)
Penke

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