Sapiens International (SPNS) has shown resilience in 2025, with shares down only 2.3% year to date, outperforming the broader Zacks Computer & Technology sector’s decline of 14%. This relative strength can be attributed to SPNS’ consistent recurring revenues, expanding clientele and rich partner base that includes Microsoft (MSFT) and Cognizant (CTSH) . In 2024, recurring and reoccurring revenues from software products and post-production services increased 14.1% compared with 2023 to $390 million and accou ...

ROCHELLE PARK, N.J., April 17, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that it will report its financial results for the First quarter of 2025 on Thursday, May 8, 2025.Management will host a conference call and webcast on May 8, 2025, at 9:30 a.m. Eastern Time (4:30 p.m. in Israel) to review and discuss Sapiens' results. Please call the following numbers (at least 10 minute ...

Sapiens' solution will accelerate Universal Life's growth and efficiency ROCHELLE PARK, N.J., April 15, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS)(TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that Universal Life (Unilife), a leading life and health insurer in Cyprus, has entered into a conditional agreement with  Sapiens CoreSuite for Life & Pensions with the scope and intent to modernise its core insurance processes and ...

New release streamlines NAIC filings and boosts productivity ROCHELLE PARK, N.J., April 8, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced the release of StatementPro Multi-Company Operations (MCO). This powerful new feature set, available to all Sapiens Financial & Compliance (F&C) customers, enables insurers to streamline statutory reporting by performing the same actions across ...

Latest releases elevate automation, risk intelligence, and customization to drive seamless policy management and superior agent experience ROCHELLE PARK, N.J., April 2, 2025 /PRNewswire/ -- Sapiens International Corporation (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced the latest release of Sapiens IllustrationPro and Sapiens ApplicationPro, which deliver cutting-edge enhancements designed to meet the evolving needs of insurers. Driv ...

Sapiens' solutions accelerate insurer's seamless, data-driven digital transformation ROCHELLE PARK, N.J., March 31, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, today announced that a major U.S. multi-line insurer has expanded its partnership with Sapiens by selecting Sapiens Insurance Platform for Life & Annuities, which includes Sapiens CoreSuite for Life & Annuities, Sapiens DataSuite, and ...

ROCHELLE PARK, N.J., March 27, 2025 /PRNewswire/ -- Sapiens International Corporation N.V. (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that it has filed its annual report on Form 20-F for the fiscal year ended December 31, 2024, with the U.S. Securities and Exchange Commission (the "SEC"). The annual report, which contains Sapiens' audited financial statements, can be accessed at the SEC's website at http://www.sec.gov, as well as ...

Mergers and Acquisitions - In Q1 2024, the company acquired the remaining shares of Sapiens Software Solutions for an undisclosed amount, enhancing its M&A growth strategy[38] - The company acquired NCDC S.A. for $11.7 million in Q4 2023, expanding its presence in the Nordics[38] - The company transformed its holdings in Tiful Gemel and Neuralmatic to 100%, integrating them as wholly-owned subsidiaries[38] - The company acquired Sapiens Software Solutions (Decision) Ltd. for $4.1 million in Q1 2024, and NCDC S.A. for $11.7 million in Q4 2023[161][162] - The company continues to evaluate potential acquisitions that align with its growth strategy while maintaining a prudent resource management approach[160] - Sapiens is focusing on mergers and acquisitions to penetrate new growth markets and enhance its product portfolio, including recent acquisitions in Europe[184] Economic and Market Conditions - Macroeconomic factors, including high inflation and interest rates, have adversely impacted customer capital budgets, affecting revenue growth[46] - The company experienced slower growth in revenues and profitability in 2022 due to unfavorable economic conditions[46] - The lengthy product development cycles can take up to two years, requiring significant investment before generating revenues[43] - The company experienced significant growth in international operations, which has strained operational and financial resources[55] - The total addressable market for core insurance software solutions is estimated at approximately $60 billion, expected to grow due to modernization needs of insurance carriers[171] - Gartner forecasts global insurance IT spending to grow by 9.3% in 2025, reaching nearly $260 billion, with software spending growing at a CAGR of 13.7%[169][170] Customer and Revenue Dependence - Five of the company's largest customers accounted for 13.2% and 12.9% of revenues in 2024 and 2023, respectively[69] - The company relies heavily on repeat product and service revenues from existing customers, making customer satisfaction critical[69] - Customers' reliance on the company's solutions makes them sensitive to disruptions, which could result in liability claims and significant expenses[99] - Improper use of products or inadequate customer training could lead to dissatisfaction and negatively affect business growth prospects[100] Operational Challenges - The sales cycle for new customers typically ranges from one to two years, often requiring substantial resources without guaranteed sales[44] - The company faces challenges in retaining skilled personnel due to intense competition in the high-tech industry[50] - Wage inflation in the high-tech market may increase operational costs, potentially reducing profitability[52] - The company must attract and train a significant number of additional qualified personnel to manage anticipated growth effectively[55] - The company has implemented cost reduction measures that have reduced the size of operations and workforce, potentially affecting sales and marketing efforts[67] - The company is expanding its international operations, which involves adapting to varying regulations and may require additional skilled personnel[120] Cybersecurity and Compliance Risks - Company emphasizes the importance of data security and the potential risks associated with cyber-attacks, which could lead to significant damage to its business and reputation[77] - Cybersecurity risks are heightened due to reliance on third-party vendors, which could lead to data breaches and reputational damage[90] - The company has implemented advanced detection and prevention systems to mitigate cyber risks, but vulnerabilities cannot be entirely eliminated[86] - Non-compliance with privacy laws may expose the company to administrative fines, civil claims, and increased costs due to required remedial actions[82] - The California Consumer Privacy Act (CCPA) imposes enhanced disclosure requirements, effective January 1, 2023, which could result in liability if third parties violate privacy requirements[80] - Compliance with the European Union General Data Protection Regulation (GDPR) has created additional requirements, with non-compliance potentially leading to significant fines[80] Financial and Tax Considerations - The company is subject to various international tax regulations, which could impact operating results and effective tax rates[121] - The concentration of ownership by Formula Systems (1985) Ltd. at approximately 43.5% could delay or prevent changes that may benefit public shareholders[128] - The company may be required to release source code to customers under certain conditions, potentially exposing trade secrets[112] - The Israeli government grants received by the company's subsidiary require compliance with specific conditions and restrict the transfer of know-how developed using such grants outside of Israel[137] - The company may face significant costs if it transfers technology or know-how developed with Innovation Authority funding outside of Israel[139] Strategic Initiatives and Technology - The company is investing significantly in AI Technologies to enhance products and services, with expectations for increased future investment[88] - The strategic partnership with Microsoft aims to leverage AI capabilities and enhance cloud and SaaS solutions, driving innovation and value for customers[181] - Sapiens has launched its next-generation Insurance Platform, which provides a SaaS-based end-to-end solution across all major insurance domains, emphasizing the use of Machine Learning and AI[177] - The "Co-Pilot Everywhere" strategy integrates AI across the platform, enhancing user experience and operational efficiency for various roles within the insurance value chain[179] - Sapiens aims to improve operational efficiency and reduce total cost of ownership by automating processes and utilizing AI-driven solutions[180] Market Expansion and Customer Base - Sapiens serves over 600 customers globally, with a diversified revenue distribution of 41.6% from North America, 14.2% from the United Kingdom, 35.5% from the rest of Europe, and 8.7% from the rest of the world in 2024[197] - Sapiens plans to expand its market reach in previously untapped regions, including the DACH region, Spain, and Latin America, to grow sales of its P&C and L&A platforms[183] - The company emphasizes the importance of a strong sales and marketing team to enhance brand awareness and enter new markets within the insurance technology space[186] Product Development and Innovation - The Sapiens Insurance Platform supports end-to-end insurance processes across all lines of business, enhancing operational efficiency and reducing costs through automation and modular architecture[207] - Sapiens' DigitalSuite provides a comprehensive digital experience, enabling insurers to rapidly go to market with new propositions and manage data-driven operations[202] - The modular nature of Sapiens' platforms allows for phased deployment, reducing risk and supporting organizational growth plans[204] - Sapiens' solutions leverage AI and machine learning to enhance decision management and operational efficiency, supporting data-driven business decisions[209] - The Sapiens CoreSuite for Property & Casualty includes three integrated components: PolicyPro, BillingPro, and ClaimsPro, designed to streamline policy administration and claims management[213]

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The go-live powers Hiscox with operational excellence and business growth UXBRIDGE, England, March 12, 2025 /PRNewswire/ -- Sapiens International Corporation, (NASDAQ: SPNS) (TASE: SPNS), a leading global provider of software solutions for the insurance industry, announced today that Hiscox, a leading insurer of tailored solutions for both businesses and high-net-worth private clients, has gone live with Sapiens Insurance Platform, now fully deployed on the Sapiens Cloud. The strategic go-live underscores H ...