SAPIENS INTERNATIONAL CORP N V Balance Sheet

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$43.38 -$0.07 (0.16%)

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Balance Sheet

Concept	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3	2021 Q2	2021 Q1	2020 Q4
SHORT-TERM ASSETS
Cash & Short-Term Investments	$82.20M -55.8% YoY	$74.54M -60.02% YoY	$205.9M 5.09% YoY	$216.2M 6.96% YoY	$186.0M 7.8% YoY	$186.4M 3.92% YoY	$195.9M 7.84% YoY	$202.1M 12.11% YoY	$172.5M 3.35% YoY	$179.4M 1.87% YoY	$181.7M -11.95% YoY	$180.3M -14.25% YoY	$166.9M -9.64% YoY	$176.1M 0.18% YoY	$206.3M 19.82% YoY	$210.2M 15.14% YoY	$184.7M 40.25% YoY	$175.8M 37.35% YoY	$172.2M 116.31% YoY	$182.6M 175.41% YoY
Cash & Equivalents	$82.20M -43.76% YoY	$64.54M -47.38% YoY	$143.4M 22.86% YoY	$163.7M 29.18% YoY	$146.2M 50.52% YoY	$122.6M 37.16% YoY	$116.7M 0.03% YoY	$126.7M -20.94% YoY	$97.10M -33.91% YoY	$89.42M -36.64% YoY	$116.7M -31.9% YoY	$160.3M -15.75% YoY	$146.9M 1.52% YoY	$141.1M -9.42% YoY	$171.3M 20.48% YoY	$190.2M 24.67% YoY	$144.7M 9.88% YoY	$155.8M 21.72% YoY	$142.2M 78.62% YoY	$152.6M 130.17% YoY
Short-Term Investments	$0.00 -100.0% YoY	$10.00M -84.33% YoY	$62.50M -21.09% YoY	$52.50M -30.37% YoY	$39.80M -47.21% YoY	$63.80M -29.11% YoY	$79.20M 21.85% YoY	$75.40M 277.0% YoY	$75.40M 277.0% YoY	$90.00M 157.14% YoY	$65.00M 85.71% YoY	$20.00M 0.0% YoY	$20.00M -50.0% YoY	$35.00M 75.0% YoY	$35.00M 16.67% YoY	$20.00M -33.33% YoY	$40.00M N/A	$20.00M N/A	$30.00M N/A	$30.00M N/A
Other Short-Term Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$0.00 -100.0% YoY
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Prepaid Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Receivables	$138.2M 26.0% YoY	$134.9M 32.17% YoY	$105.8M 2.01% YoY	$58.76M -34.91% YoY	$109.7M 11.0% YoY	$102.1M 14.29% YoY	$103.7M 9.39% YoY	$90.27M -3.33% YoY	$98.80M 9.79% YoY	$89.34M 9.74% YoY	$94.83M 14.99% YoY	$93.38M 22.45% YoY	$89.99M 18.36% YoY	$81.41M 15.94% YoY	$82.47M 10.31% YoY	$76.26M 16.61% YoY	$76.03M 19.17% YoY	$70.21M 11.45% YoY	$74.76M 24.6% YoY	$65.40M 30.28% YoY
Other Receivables	$31.36M 21.71% YoY	$30.33M 49.74% YoY	$15.71M -20.43% YoY	$19.35M -14.05% YoY	$25.77M 34.92% YoY	$20.26M 39.34% YoY	$19.74M 69.83% YoY	$22.51M 93.42% YoY	$19.10M 56.16% YoY	$14.54M 16.87% YoY	$11.62M -19.02% YoY	$11.64M -15.9% YoY	$12.23M -16.63% YoY	$12.44M -21.47% YoY	$14.35M -12.97% YoY	$13.84M -28.65% YoY	$14.67M 41.06% YoY	$15.84M 76.02% YoY	$16.49M 103.63% YoY	$19.40M 148.72% YoY
Total Short-Term Assets	$251.8M -21.67% YoY	$239.8M -22.34% YoY	$327.4M 2.51% YoY	$335.1M 6.43% YoY	$321.4M 10.67% YoY	$308.8M 9.01% YoY	$319.4M 10.85% YoY	$314.9M 10.37% YoY	$290.4M 7.9% YoY	$283.3M 4.93% YoY	$288.1M -4.96% YoY	$285.3M -5.01% YoY	$269.1M -2.28% YoY	$270.0M 3.1% YoY	$303.1M 15.07% YoY	$300.3M 12.32% YoY	$275.4M 33.76% YoY	$261.9M 30.93% YoY	$263.4M 78.48% YoY	$267.4M 81.66% YoY
LONG-TERM ASSETS
Property, Plant & Equipment	$31.47M -1.45% YoY	$33.96M 4.27% YoY	$30.98M -7.55% YoY	$10.66M -70.58% YoY	$31.93M -8.24% YoY	$32.57M -11.29% YoY	$33.51M -14.18% YoY	$36.22M -20.76% YoY	$34.80M -25.46% YoY	$36.72M -26.54% YoY	$39.05M -29.18% YoY	$45.71M -21.36% YoY	$46.69M -26.86% YoY	$49.98M -23.59% YoY	$55.15M -19.26% YoY	$58.12M -18.6% YoY	$63.84M -3.28% YoY	$65.42M -1.92% YoY	$68.30M 9.28% YoY	$71.40M 8.02% YoY
Goodwill	N/A	N/A	N/A	$251.5M -1.87% YoY	N/A	N/A	N/A	$256.3M 1.62% YoY	N/A	N/A	N/A	$252.2M -3.41% YoY	N/A	N/A	N/A	$261.1M -1.19% YoY	N/A	N/A	N/A	$264.3M N/A
Intangibles	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Other Assets	$29.57M 52.11% YoY	$26.69M 41.0% YoY	$25.79M 30.63% YoY	$6.424M -69.63% YoY	$19.44M -1.82% YoY	$18.93M -7.92% YoY	$19.74M 2.34% YoY	$21.15M 31.59% YoY	$19.80M 82.09% YoY	$20.56M 62.86% YoY	$19.29M 48.29% YoY	$16.07M 21.39% YoY	$10.87M -26.22% YoY	$12.62M -15.85% YoY	$13.01M 2.58% YoY	$13.24M 12.22% YoY	$14.74M 28.17% YoY	$15.00M 26.07% YoY	$12.68M 10.28% YoY	$11.80M 13.46% YoY
Total Long-Term Assets	$491.9M 35.93% YoY	$499.8M 39.33% YoY	$386.6M 6.08% YoY	$356.6M -4.84% YoY	$361.9M 0.59% YoY	$358.7M -2.98% YoY	$364.4M -2.87% YoY	$374.7M -1.76% YoY	$359.8M -3.54% YoY	$369.8M -4.07% YoY	$375.2M -7.3% YoY	$381.4M -8.01% YoY	$373.0M -12.12% YoY	$385.4M -10.91% YoY	$404.7M -6.55% YoY	$414.6M -7.2% YoY	$424.5M 23.32% YoY	$432.6M 32.19% YoY	$433.1M 35.05% YoY	$446.8M 46.4% YoY
TOTAL ASSETS
Total Short-Term Assets	$251.8M -21.67% YoY	$239.8M -22.34% YoY	$327.4M 2.51% YoY	$335.1M 6.43% YoY	$321.4M 10.67% YoY	$308.8M 9.01% YoY	$319.4M 10.85% YoY	$314.9M 10.37% YoY	$290.4M 7.9% YoY	$283.3M 4.93% YoY	$288.1M -4.96% YoY	$285.3M -5.01% YoY	$269.1M -2.28% YoY	$270.0M 3.1% YoY	$303.1M 15.07% YoY	$300.3M 12.32% YoY	$275.4M 33.76% YoY	$261.9M 30.93% YoY	$263.4M 78.48% YoY	$267.4M 81.66% YoY
Total Long-Term Assets	$491.9M	$499.8M	$386.6M	$356.6M	$361.9M	$358.7M	$364.4M	$374.7M	$359.8M	$369.8M	$375.2M	$381.4M	$373.0M	$385.4M	$404.7M	$414.6M	$424.5M	$432.6M	$433.1M	$446.8M
Total Assets	$743.7M 8.84% YoY	$739.6M 10.8% YoY	$714.0M 4.41% YoY	$691.7M 0.3% YoY	$683.3M 5.09% YoY	$667.5M 2.22% YoY	$683.8M 3.09% YoY	$689.6M 3.43% YoY	$650.2M 1.25% YoY	$653.0M -0.36% YoY	$663.3M -6.3% YoY	$666.8M -6.75% YoY	$642.2M -8.25% YoY	$655.4M -5.63% YoY	$707.9M 1.63% YoY	$715.0M 0.11% YoY	$699.9M 27.23% YoY	$694.5M 31.71% YoY	$696.6M 48.74% YoY	$714.2M 57.87% YoY
SHORT-TERM LIABILITIES
Accounts Payable	$13.22M 60.72% YoY	$11.62M 2.82% YoY	$8.485M -13.13% YoY	$8.414M 33.75% YoY	$8.224M -3.25% YoY	$11.30M 33.29% YoY	$9.767M 295.91% YoY	$6.291M -33.18% YoY	$8.500M -27.79% YoY	$8.475M -28.44% YoY	$2.467M -53.13% YoY	$9.415M 88.0% YoY	$11.77M 31.05% YoY	$11.84M 75.16% YoY	$5.264M -13.09% YoY	$5.008M -7.26% YoY	$8.983M 69.49% YoY	$6.762M 18.63% YoY	$6.057M 6.26% YoY	$5.400M 5.88% YoY
Accrued Expenses	$98.00M 13.33% YoY	$98.57M 23.58% YoY	$124.6M 20.24% YoY	$13.41M -84.13% YoY	$86.47M 7.82% YoY	$79.76M 4.93% YoY	$103.6M 17.99% YoY	$84.50M -1.78% YoY	$80.20M 0.79% YoY	$76.02M -6.82% YoY	$87.79M 0.08% YoY	$86.03M -1.43% YoY	$79.57M -10.61% YoY	$81.58M -3.79% YoY	$87.73M 10.39% YoY	$87.28M 2.68% YoY	$89.02M 15.61% YoY	$84.79M 15.36% YoY	$79.47M 12.24% YoY	$85.00M 23.37% YoY
Deferred Revenue	N/A	N/A	N/A	$37.54M -2.59% YoY	N/A	N/A	N/A	$38.54M N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Debt	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 N/A	$0.00 -100.0% YoY	$0.00 N/A
Long-Term Debt Due	$19.81M 0.06% YoY	$19.80M 0.04% YoY	$19.80M 0.01% YoY	$19.80M 0.0% YoY	$19.80M -0.02% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.02% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M 0.0% YoY	$19.80M -0.02% YoY	$19.80M -0.02% YoY	$19.80M -0.02% YoY	$19.80M 99.96% YoY	$19.80M 100.0% YoY
Total Short-Term Liabilities	$166.0M 12.71% YoY	$174.7M 22.34% YoY	$194.9M 12.19% YoY	$149.6M 0.31% YoY	$147.3M 5.52% YoY	$142.8M 1.58% YoY	$173.8M 16.63% YoY	$149.1M 2.17% YoY	$139.6M -2.55% YoY	$140.6M -5.53% YoY	$149.0M -5.75% YoY	$146.0M -3.78% YoY	$143.3M -5.4% YoY	$148.8M -3.34% YoY	$158.1M 7.68% YoY	$151.7M 4.76% YoY	$151.4M 17.75% YoY	$153.9M 24.03% YoY	$146.8M 13.62% YoY	$144.8M 38.04% YoY
LONG-TERM LIABILITIES
Long-Term Debt	$0.00 -100.0% YoY	$0.00 -100.0% YoY	$0.00 -100.0% YoY	$19.79M -49.95% YoY	$19.78M -49.93% YoY	$19.77M -49.97% YoY	$19.76M -49.98% YoY	$39.54M -33.29% YoY	$39.50M -33.33% YoY	$39.51M -33.29% YoY	$39.49M -33.3% YoY	$59.28M -24.96% YoY	$59.25M -24.96% YoY	$59.23M -24.96% YoY	$59.21M -24.96% YoY	$78.99M -19.97% YoY	$78.96M -20.0% YoY	$78.94M -19.78% YoY	$78.91M 61.03% YoY	$98.70M 67.57% YoY
Other Long-Term Liabilities	$38.17M 3.25% YoY	$39.13M 6.54% YoY	$34.91M -7.22% YoY	$10.33M -74.29% YoY	$36.97M -8.72% YoY	$36.73M -12.53% YoY	$37.63M -15.8% YoY	$40.19M -14.88% YoY	$40.50M -16.33% YoY	$41.99M -16.42% YoY	$44.69M -23.14% YoY	$47.21M -21.48% YoY	$48.41M -26.33% YoY	$50.24M -24.01% YoY	$58.14M -15.85% YoY	$60.13M -14.71% YoY	$65.71M 4.14% YoY	$66.11M 10.18% YoY	$69.10M 25.18% YoY	$70.50M 21.34% YoY
Total Long-Term Liabilities	$38.17M -32.73% YoY	$39.13M -30.74% YoY	$34.91M -39.16% YoY	$62.50M -21.61% YoY	$56.75M -29.07% YoY	$56.50M -30.68% YoY	$57.38M -31.83% YoY	$79.73M -25.13% YoY	$80.00M -25.69% YoY	$81.50M -25.55% YoY	$84.18M -28.27% YoY	$106.5M -23.45% YoY	$107.7M -25.58% YoY	$109.5M -24.53% YoY	$117.4M -20.71% YoY	$139.1M -17.78% YoY	$144.7M -10.59% YoY	$145.0M -8.43% YoY	$148.0M 42.04% YoY	$169.2M 44.62% YoY
TOTAL LIABILITIES
Total Short-Term Liabilities	$166.0M 12.71% YoY	$174.7M 22.34% YoY	$194.9M 12.19% YoY	$149.6M 0.31% YoY	$147.3M 5.52% YoY	$142.8M 1.58% YoY	$173.8M 16.63% YoY	$149.1M 2.17% YoY	$139.6M -2.55% YoY	$140.6M -5.53% YoY	$149.0M -5.75% YoY	$146.0M -3.78% YoY	$143.3M -5.4% YoY	$148.8M -3.34% YoY	$158.1M 7.68% YoY	$151.7M 4.76% YoY	$151.4M 17.75% YoY	$153.9M 24.03% YoY	$146.8M 13.62% YoY	$144.8M 38.04% YoY
Total Long-Term Liabilities	$38.17M -32.73% YoY	$39.13M -30.74% YoY	$34.91M -39.16% YoY	$62.50M -21.61% YoY	$56.75M -29.07% YoY	$56.50M -30.68% YoY	$57.38M -31.83% YoY	$79.73M -25.13% YoY	$80.00M -25.69% YoY	$81.50M -25.55% YoY	$84.18M -28.27% YoY	$106.5M -23.45% YoY	$107.7M -25.58% YoY	$109.5M -24.53% YoY	$117.4M -20.71% YoY	$139.1M -17.78% YoY	$144.7M -10.59% YoY	$145.0M -8.43% YoY	$148.0M 42.04% YoY	$169.2M 44.62% YoY
Total Liabilities	$230.2M 8.6% YoY	$241.3M 16.14% YoY	$253.4M 5.45% YoY	$212.1M -11.51% YoY	$212.0M -7.99% YoY	$207.8M -11.34% YoY	$240.3M -2.09% YoY	$239.7M -9.18% YoY	$230.4M -13.06% YoY	$234.4M -14.08% YoY	$245.4M -15.4% YoY	$263.9M -14.44% YoY	$265.0M -14.27% YoY	$272.8M -12.95% YoY	$290.1M -6.43% YoY	$308.4M -7.23% YoY	$309.1M 4.01% YoY	$313.3M 7.97% YoY	$310.1M 28.92% YoY	$332.5M 45.45% YoY
SHAREHOLDERS EQUITY
Retained Earnings	N/A	N/A	N/A	$160.2M 33.67% YoY	N/A	N/A	N/A	$119.9M 40.08% YoY	N/A	N/A	N/A	$85.58M 19.59% YoY	N/A	N/A	N/A	$71.56M N/A	N/A	N/A	N/A	N/A
Common Stock	N/A	N/A	N/A	$762.0K 0.0% YoY	N/A	N/A	N/A	$762.0K 0.79% YoY	N/A	N/A	N/A	$756.0K 0.0% YoY	N/A	N/A	N/A	$756.0K N/A	N/A	N/A	N/A	N/A
Preferred Stock	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Treasury Stock (at cost)	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$9.423M 0.0% YoY	N/A	N/A	N/A	$9.423M N/A	N/A	N/A	N/A	N/A
Treasury Stock Shares	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Shareholders Equity	$513.5M 8.95% YoY	$498.3M 8.39% YoY	$460.6M 3.85% YoY	$479.6M 6.6% YoY	$471.3M 12.3% YoY	$459.7M 9.81% YoY	$443.5M 6.13% YoY	$449.9M 11.69% YoY	$419.7M 11.28% YoY	$418.7M 9.41% YoY	$417.9M 0.03% YoY	$402.9M -0.91% YoY	$377.2M -3.48% YoY	$382.7M 0.39% YoY	$417.8M 8.09% YoY	$406.5M 6.51% YoY	$390.8M 54.51% YoY	$381.2M 60.77% YoY	$386.5M 69.59% YoY	$381.7M 70.55% YoY
Total Liabilities & Shareholders Equity	$743.7M 8.84% YoY	$739.6M 10.8% YoY	$714.0M 4.41% YoY	$691.7M 0.3% YoY	$683.3M 5.09% YoY	$667.5M 2.22% YoY	$683.8M 3.09% YoY	$689.6M 3.43% YoY	$650.2M 1.25% YoY	$653.0M -0.36% YoY	$663.3M -6.3% YoY	$666.8M -6.75% YoY	$642.2M -8.25% YoY	$655.4M -5.63% YoY	$707.9M 1.63% YoY	$715.0M 0.11% YoY	$699.9M 27.23% YoY	$694.5M 31.71% YoY	$696.6M 48.74% YoY	$714.2M 57.87% YoY