Sapiens International Corporation N.V. (SPNS)

Solvency & Capital Structure

Total Debt

$43.5M

Net Debt

-$38.7M

Sapiens International Corporation N.V. currently has $43.5M in total debt. Net debt is -$38.7M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.

Financial Fundamentals

SPNS • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2025-09-30	0.04	0.08	-0.04Net Cash	0.74	5.9%
2025-06-30	0.05	0.07	-0.03Net Cash	0.74	6.1%
2025-03-31	0.04	0.21	-0.16Net Cash	0.71	6.1%
2024-12-31	0.06	0.22	-0.15Net Cash	0.69	9.2%
2024-09-30	0.06	0.19	-0.12Net Cash	0.68	9.2%
2024-06-30	0.06	0.19	-0.12Net Cash	0.67	9.5%
2024-03-31	0.06	0.20	-0.13Net Cash	0.68	9.4%
2023-12-31	0.09	0.20	-0.12Net Cash	0.69	12.6%
2023-09-30	0.09	0.17	-0.09Net Cash	0.65	13.4%
2023-06-30	0.09	0.18	-0.09Net Cash	0.65	13.6%
2023-03-31	0.09	0.18	-0.09Net Cash	0.66	13.7%
2022-12-31	0.12	0.18	-0.06Net Cash	0.67	17.4%
2022-09-30	0.12	0.17	-0.05Net Cash	0.64	18.3%
2022-06-30	0.12	0.18	-0.06Net Cash	0.66	18.4%
2022-03-31	0.13	0.21	-0.08Net Cash	0.71	17.9%
2021-12-31	0.15	0.21	-0.06Net Cash	0.71	20.7%
2021-09-30	0.15	0.18	-0.03Net Cash	0.70	21.8%
2021-06-30	0.15	0.18	-0.02Net Cash	0.69	22.2%
2021-03-31	0.16	0.17	-0.02Net Cash	0.70	22.4%
2020-12-31	0.18	0.18	-0.01Net Cash	0.71	24.8%
2020-09-30	0.17	0.13	0.04	0.55	31.4%
2020-06-30	0.17	0.13	0.04	0.53	32.5%
2020-03-31	0.13	0.08	0.05	0.47	27.3%
2019-12-31	0.12	0.07	0.05	0.45	26.6%
2019-09-30	0.12	0.07	0.05	0.45	27.8%
2019-06-30	0.12	0.08	0.05	0.45	27.9%
2019-03-31	0.10	0.06	0.04	0.42	24.7%
2018-12-31	0.08	0.06	0.01	0.38	20.7%
2018-09-30	0.08	0.06	0.01	0.39	20.2%
2018-06-30	0.08	0.06	0.02	0.38	20.9%
2018-03-31	0.08	0.06	0.02	0.38	20.4%
2017-12-31	0.08	0.07	0.01	0.37	21.1%
2017-09-30	0.08	0.08	-0.00Net Cash	0.38	20.5%
2017-06-30	0.04	0.05	-0.01Net Cash	0.35	10.9%
2017-03-31	0.04	0.04	0.00	0.34	11.7%
2016-12-31	0.01	0.08	-0.06Net Cash	0.26	5.7%
2016-09-30	0.01	0.08	-0.07Net Cash	0.26	5.2%
2016-06-30	0.01	0.09	-0.07Net Cash	0.25	5.3%
2016-03-31	0.01	0.08	-0.07Net Cash	0.26	5.2%
2015-12-31	0.01	0.06	-0.05Net Cash	0.24	5.4%
2015-09-30	0.01	0.05	-0.04Net Cash	0.24	5.7%
2015-06-30	0.01	0.05	-0.04Net Cash	0.24	5.3%
2015-03-31	0.01	0.05	-0.04Net Cash	0.23	4.6%
2014-12-31	0.02	0.05	-0.03Net Cash	0.23	6.6%
2014-09-30	0.01	0.05	-0.03Net Cash	0.23	5.9%
2014-06-30	0.01	0.05	-0.03Net Cash	0.23	6.4%
2014-03-31	0.01	0.07	-0.06Net Cash	0.23	6.2%
2013-12-31	0.01	0.07	-0.06Net Cash	0.22	6.7%
2013-09-30	0.01	0.03	-0.01Net Cash	0.18	8.1%
2013-06-30	0.01	0.03	-0.02Net Cash	0.17	7.8%
2013-03-31	0.00	0.03	-0.03Net Cash	0.17	0.0%
2012-12-31	0.01	0.03	-0.02Net Cash	0.16	7.6%
2012-09-30	0.01	0.03	-0.02Net Cash	0.16	7.4%
2012-06-30	0.01	0.03	-0.02Net Cash	0.16	7.3%
2012-03-31	0.01	0.03	-0.02Net Cash	0.17	7.0%
2011-12-31	0.01	0.02	-0.01Net Cash	0.15	7.1%
2011-09-30	0.01	0.02	-0.01Net Cash	0.16	4.2%
2011-06-30	0.00	0.02	-0.02Net Cash	0.06	2.1%
2011-03-31	0.00	0.02	-0.02Net Cash	0.06	1.9%
2010-12-31	0.00	0.02	-0.02Net Cash	0.06	2.0%
2010-09-30	0.00	0.01	-0.01Net Cash	0.05	2.6%
2010-06-30	0.00	0.01	-0.01Net Cash	0.05	2.6%
2010-03-31	0.00	0.01	-0.01Net Cash	0.05	2.4%
2009-12-31	0.00	0.01	-0.01Net Cash	0.05	0.0%
2009-09-30	0.01	0.02	-0.01Net Cash	0.05	12.0%
2009-06-30	0.01	0.01	-0.00Net Cash	0.05	12.7%
2009-03-31	0.01	0.01	-0.00Net Cash	0.04	13.5%
2008-12-31	0.01	0.01	-0.00Net Cash	0.05	13.1%
2008-09-30	0.01	0.01	-0.00Net Cash	0.05	21.1%
2008-06-30	0.01	0.01	0.00	0.06	24.2%
2008-03-31	0.02	0.01	0.00	0.05	29.0%
2007-12-31	0.02	0.01	0.00	0.05	30.2%
2007-09-30	0.02	0.02	0.00	0.06	35.2%
2007-06-30	0.02	0.02	0.01	0.06	41.0%
2007-03-31	0.03	0.00	0.02	0.05	57.1%
2006-12-31	0.03	0.00	0.02	0.05	60.1%
2006-09-30	0.03	0.01	0.02	0.05	59.7%
2006-06-30	0.04	0.01	0.03	0.05	65.9%
2006-03-31	0.04	0.01	0.03	0.05	67.5%
2005-12-31	0.03	0.01	0.02	0.05	63.9%
2005-09-30	0.03	0.01	0.02	0.06	60.4%
2005-06-30	0.04	0.02	0.02	0.06	60.4%
2005-03-31	0.04	0.02	0.02	0.06	63.1%
2004-12-31	0.04	0.02	0.02	0.07	54.0%
2004-09-30	0.04	0.02	0.02	0.07	59.6%
2004-06-30	0.04	0.02	0.02	0.07	57.6%
2004-03-31	0.04	0.03	0.02	0.07	60.1%
2003-12-31	0.03	0.03	0.00	0.08	43.4%
2003-09-30	0.02	0.02	-0.00Net Cash	0.06	29.1%
2003-06-30	0.02	0.02	-0.00Net Cash	0.07	31.3%
2003-03-31	0.02	0.03	-0.01Net Cash	0.07	32.4%
2002-12-31	0.02	0.02	-0.01Net Cash	0.07	26.4%
2002-09-30	0.02	0.02	0.00	0.07	31.6%
2002-06-30	0.02	0.02	0.00	0.07	29.1%
2002-03-31	0.03	0.02	0.01	0.07	36.2%
2001-12-31	0.03	0.02	0.01	0.07	36.0%
2001-09-30	0.02	0.02	0.01	0.07	32.0%
2001-06-30	0.02	0.02	0.01	0.07	29.5%
2001-03-31	0.02	0.02	0.01	0.08	27.1%
2000-12-31	0.02	0.02	0.00	0.09	26.4%
2000-09-30	0.03	0.02	0.01	0.10	31.3%
2000-06-30	0.03	0.03	0.00	0.10	26.8%
2000-03-31	0.02	0.02	-0.00Net Cash	0.09	19.5%
1999-12-31	0.01	0.02	-0.00Net Cash	0.09	13.9%
1999-09-30	0.02	0.03	-0.00Net Cash	0.09	26.4%
1999-06-30	0.02	0.03	-0.01Net Cash	0.09	24.1%
1999-03-31	0.02	0.03	-0.01Net Cash	0.08	28.6%
1998-12-31	0.02	0.03	-0.01Net Cash	0.07	29.1%
1998-09-30	0.02	0.03	-0.01Net Cash	0.07	32.1%
1998-06-30	0.02	0.03	-0.01Net Cash	0.06	36.6%
1998-03-31	0.02	0.02	0.00	0.06	38.6%
1997-12-31	0.02	0.02	0.00	0.06	41.7%
1997-09-30	0.02	0.02	0.00	0.05	44.0%
1997-06-30	0.03	0.02	0.00	0.05	48.6%
1997-03-31	0.03	0.02	0.00	0.05	49.9%
1996-12-31	0.03	0.02	0.00	0.05	50.2%