` Comparison: APPIF vs SPNS - Alpha Spread
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APPIF
vs
SPNS

Over the past 12 months, APPIF has underperformed SPNS, delivering a return of -37% compared to the SPNS's +65% growth.

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APPIF
SPNS
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Stocks Compared:
APPIF SPNS
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Valuation Comparison

APPIF Intrinsic Value
10.5 USD
Undervaluation 44%
Intrinsic Value
Price
SPNS Intrinsic Value
26.26 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Appier Group Inc
OTC:APPIF
5.9 USD
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
APPIF, SPNS

APPIF
SPNS
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Appier Group Inc
Revenue
Sapiens International Corporation NV
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
APPIF, SPNS

APPIF
SPNS
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Appier Group Inc
OTC:APPIF
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

APPIF
53.5%
SPNS
44.3%

Operating Margin

APPIF
6.6%
SPNS
13.7%

Net Margin

APPIF
8.3%
SPNS
11.4%

FCF Margin

APPIF
-5.3%
SPNS
12.5%

ROE

APPIF
10.7%
SPNS
13.1%

ROA

APPIF
7.2%
SPNS
9%

ROIC

APPIF
17.7%
SPNS
10.9%

ROCE

APPIF
7.3%
SPNS
13.9%

Solvency Comparison

Appier Group Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Sapiens International Corporatio...
Equity Waterfall
Assets
Liabilities
Equity
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
APPIF, SPNS

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APPIF
SPNS
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
APPIF, SPNS

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