Sapiens International Corporation NV
NASDAQ:SPNS
Balance Sheet
Balance Sheet Decomposition
Sapiens International Corporation NV
Sapiens International Corporation NV
Balance Sheet
Sapiens International Corporation NV
| Dec-2001 | Dec-2002 | Dec-2003 | Dec-2004 | Dec-2005 | Dec-2006 | Dec-2007 | Dec-2008 | Dec-2009 | Dec-2010 | Dec-2011 | Dec-2012 | Dec-2013 | Dec-2014 | Dec-2015 | Dec-2016 | Dec-2017 | Dec-2018 | Dec-2019 | Dec-2020 | Dec-2021 | Dec-2022 | Dec-2023 | Dec-2024 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||||||||||||||||||
| Cash & Cash Equivalents |
16
|
22
|
32
|
11
|
7
|
3
|
13
|
8
|
11
|
16
|
22
|
29
|
70
|
47
|
54
|
61
|
72
|
65
|
66
|
153
|
190
|
160
|
127
|
164
|
|
| Cash Equivalents |
16
|
22
|
32
|
11
|
7
|
3
|
13
|
8
|
11
|
16
|
22
|
29
|
70
|
47
|
54
|
61
|
72
|
65
|
66
|
153
|
190
|
160
|
127
|
164
|
|
| Short-Term Investments |
0
|
2
|
1
|
11
|
5
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
9
|
18
|
0
|
0
|
0
|
30
|
20
|
20
|
75
|
53
|
|
| Total Receivables |
22
|
14
|
12
|
12
|
9
|
11
|
8
|
7
|
6
|
7
|
16
|
19
|
28
|
36
|
35
|
41
|
60
|
65
|
58
|
85
|
90
|
105
|
113
|
119
|
|
| Accounts Receivables |
18
|
10
|
9
|
10
|
8
|
11
|
8
|
7
|
5
|
6
|
15
|
16
|
24
|
32
|
30
|
35
|
53
|
59
|
50
|
65
|
76
|
93
|
90
|
100
|
|
| Other Receivables |
4
|
4
|
3
|
2
|
1
|
0
|
1
|
1
|
0
|
1
|
2
|
2
|
4
|
4
|
5
|
6
|
6
|
6
|
8
|
19
|
14
|
12
|
23
|
19
|
|
| Other Current Assets |
4
|
2
|
2
|
2
|
1
|
1
|
1
|
2
|
3
|
2
|
2
|
3
|
2
|
0
|
0
|
0
|
0
|
0
|
23
|
0
|
0
|
0
|
0
|
0
|
|
| Total Current Assets |
42
|
40
|
47
|
36
|
22
|
16
|
23
|
17
|
19
|
25
|
40
|
50
|
101
|
83
|
98
|
120
|
131
|
130
|
147
|
267
|
300
|
285
|
315
|
335
|
|
| PP&E Net |
4
|
3
|
3
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
2
|
2
|
5
|
5
|
6
|
10
|
11
|
9
|
66
|
71
|
58
|
46
|
36
|
31
|
|
| PP&E Gross |
4
|
3
|
3
|
2
|
2
|
2
|
1
|
1
|
1
|
1
|
2
|
2
|
5
|
5
|
6
|
10
|
11
|
0
|
66
|
71
|
58
|
46
|
36
|
31
|
|
| Accumulated Depreciation |
11
|
11
|
13
|
15
|
13
|
15
|
17
|
16
|
17
|
18
|
21
|
11
|
14
|
16
|
17
|
19
|
33
|
0
|
43
|
47
|
49
|
45
|
38
|
40
|
|
| Intangible Assets |
10
|
9
|
11
|
14
|
13
|
14
|
14
|
11
|
14
|
15
|
32
|
29
|
30
|
28
|
28
|
28
|
65
|
231
|
58
|
99
|
82
|
67
|
61
|
51
|
|
| Goodwill |
8
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
10
|
67
|
68
|
72
|
68
|
70
|
74
|
159
|
0
|
171
|
264
|
261
|
252
|
256
|
252
|
|
| Long-Term Investments |
0
|
0
|
0
|
1
|
1
|
1
|
2
|
1
|
1
|
5
|
10
|
10
|
11
|
44
|
36
|
21
|
5
|
5
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Other Long-Term Assets |
5
|
5
|
7
|
6
|
5
|
5
|
4
|
6
|
2
|
3
|
4
|
2
|
3
|
6
|
4
|
5
|
4
|
4
|
10
|
12
|
13
|
18
|
21
|
23
|
|
| Other Assets |
8
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
9
|
10
|
67
|
68
|
72
|
68
|
70
|
74
|
159
|
0
|
171
|
264
|
261
|
252
|
256
|
252
|
|
| Total Assets |
68
N/A
|
65
-5%
|
77
+18%
|
69
-10%
|
52
-24%
|
46
-12%
|
53
+15%
|
45
-14%
|
46
+1%
|
59
+28%
|
154
+161%
|
163
+6%
|
222
+37%
|
233
+5%
|
242
+4%
|
258
+6%
|
374
+45%
|
379
+1%
|
452
+19%
|
714
+58%
|
715
+0%
|
668
-7%
|
690
+3%
|
692
+0%
|
|
| Liabilities | |||||||||||||||||||||||||
| Accounts Payable |
3
|
3
|
3
|
3
|
2
|
2
|
1
|
2
|
1
|
2
|
3
|
4
|
7
|
3
|
5
|
7
|
7
|
6
|
5
|
5
|
5
|
9
|
6
|
8
|
|
| Accrued Liabilities |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
12
|
17
|
20
|
21
|
27
|
32
|
32
|
47
|
47
|
69
|
84
|
87
|
86
|
84
|
84
|
|
| Short-Term Debt |
16
|
5
|
9
|
9
|
12
|
9
|
5
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Current Portion of Long-Term Debt |
0
|
5
|
0
|
10
|
7
|
6
|
5
|
6
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
10
|
10
|
20
|
20
|
20
|
20
|
20
|
|
| Other Current Liabilities |
20
|
18
|
14
|
12
|
12
|
11
|
13
|
15
|
17
|
7
|
12
|
7
|
10
|
9
|
10
|
9
|
17
|
18
|
21
|
35
|
40
|
31
|
39
|
38
|
|
| Total Current Liabilities |
40
|
30
|
27
|
33
|
33
|
29
|
23
|
22
|
18
|
20
|
32
|
32
|
37
|
40
|
47
|
48
|
70
|
81
|
105
|
145
|
152
|
146
|
149
|
150
|
|
| Long-Term Debt |
7
|
8
|
25
|
23
|
16
|
13
|
8
|
1
|
1
|
5
|
11
|
12
|
15
|
15
|
13
|
15
|
92
|
69
|
59
|
99
|
79
|
59
|
40
|
20
|
|
| Deferred Income Tax |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
9
|
12
|
5
|
16
|
15
|
11
|
11
|
7
|
|
| Minority Interest |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
1
|
1
|
2
|
2
|
0
|
2
|
3
|
2
|
2
|
3
|
0
|
|
| Other Liabilities |
11
|
11
|
12
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
15
|
58
|
71
|
60
|
49
|
40
|
36
|
|
| Total Liabilities |
58
N/A
|
49
-15%
|
63
+27%
|
57
-10%
|
48
-15%
|
42
-13%
|
31
-26%
|
23
-24%
|
20
-17%
|
25
+27%
|
44
+78%
|
45
+2%
|
53
+17%
|
56
+6%
|
61
+10%
|
64
+5%
|
174
+170%
|
176
+2%
|
229
+30%
|
333
+45%
|
308
-7%
|
268
-13%
|
242
-10%
|
212
-12%
|
|
| Equity | |||||||||||||||||||||||||
| Common Stock |
16
|
24
|
24
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
1
|
1
|
1
|
1
|
1
|
1
|
1
|
0
|
1
|
1
|
1
|
1
|
1
|
1
|
|
| Retained Earnings |
78
|
83
|
86
|
91
|
100
|
104
|
106
|
107
|
103
|
96
|
91
|
79
|
67
|
53
|
33
|
13
|
13
|
0
|
18
|
45
|
72
|
86
|
120
|
160
|
|
| Additional Paid In Capital |
80
|
82
|
81
|
108
|
110
|
113
|
132
|
132
|
133
|
133
|
208
|
210
|
245
|
249
|
234
|
227
|
221
|
0
|
217
|
335
|
341
|
345
|
353
|
355
|
|
| Unrealized Security Profit/Loss |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|
| Treasury Stock |
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
2
|
9
|
9
|
9
|
9
|
9
|
9
|
0
|
9
|
9
|
9
|
9
|
9
|
9
|
|
| Other Equity |
5
|
4
|
3
|
3
|
4
|
3
|
2
|
2
|
2
|
1
|
6
|
5
|
1
|
10
|
12
|
11
|
1
|
203
|
2
|
11
|
3
|
21
|
17
|
27
|
|
| Total Equity |
10
N/A
|
16
+56%
|
14
-13%
|
12
-13%
|
4
-70%
|
4
+8%
|
22
+462%
|
22
-1%
|
26
+21%
|
34
+29%
|
109
+221%
|
118
+8%
|
170
+44%
|
178
+5%
|
181
+2%
|
194
+7%
|
200
+3%
|
203
+1%
|
224
+11%
|
382
+71%
|
407
+6%
|
401
-1%
|
447
+12%
|
480
+7%
|
|
| Total Liabilities & Equity |
68
N/A
|
65
-5%
|
77
+18%
|
69
-10%
|
52
-24%
|
46
-12%
|
53
+15%
|
45
-14%
|
46
+1%
|
59
+28%
|
154
+161%
|
163
+6%
|
222
+37%
|
233
+5%
|
242
+4%
|
258
+6%
|
374
+45%
|
379
+1%
|
452
+19%
|
714
+58%
|
715
+0%
|
668
-7%
|
690
+3%
|
692
+0%
|
|
| Shares Outstanding | |||||||||||||||||||||||||
| Common Shares Outstanding |
5
|
11
|
11
|
12
|
13
|
15
|
22
|
22
|
22
|
22
|
40
|
39
|
46
|
48
|
49
|
49
|
50
|
50
|
50
|
55
|
55
|
55
|
56
|
56
|
|
| Preferred Shares Outstanding |
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
0
|
|