` Comparison: HANK vs SPNS - Alpha Spread
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H
HANK
vs
SPNS

Over the past 12 months, HANK has significantly outperformed SPNS, delivering a return of +114% compared to the SPNS's +61% growth.

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HANK
SPNS
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Stocks Compared:
HANK SPNS
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Valuation Comparison

H
HANK Intrinsic Value
Not Available
SPNS Intrinsic Value
26.26 USD
Overvaluation 40%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
H
Hank Payments Corp
XTSX:HANK
0.37 CAD
Sapiens International Corporation NV
NASDAQ:SPNS
43.45 USD
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Valuation Scenario:
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Growth Comparison

Growth Over Time
HANK, SPNS

HANK
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
H
Hank Payments Corp
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
HANK, SPNS

HANK
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
H
Hank Payments Corp
XTSX:HANK
Sapiens International Corporation NV
NASDAQ:SPNS
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What is Free Cash Flow?

Gross Margin

HANK
90.5%
SPNS
44.3%

Operating Margin

HANK
-19.1%
SPNS
13.7%

Net Margin

HANK
-28.4%
SPNS
11.4%

FCF Margin

HANK
-29%
SPNS
12.5%

ROE

HANK
32.2%
SPNS
13.1%

ROA

HANK
-50%
SPNS
9%

ROIC

HANK
119.7%
SPNS
10.9%

ROCE

HANK
45.7%
SPNS
13.9%

Solvency Comparison

H
Hank Payments Corp
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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Performance Gap
HANK, SPNS

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

Performance By Year
HANK, SPNS

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