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Sapiens International Corporation N.V. · NASDAQ
Price: $43.45 · Annual div: $0.60/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in SPNS → $1.34M in 10 years · $22,901.04/month
Sapiens International Corporation N.V. is a global technology provider that develops and supplies software solutions specifically for the insurance and financial services sectors. The company's operational reach extends across North America, the European Union, the United Kingdom, Israel, and numerous other international markets. Sapiens offers an extensive array of software platforms designed for various segments of the insurance industry. This includes Sapiens CoreSuite and Sapiens IDITSuite, which cater to personal, commercial, and specialty lines. For life, pension, and annuity providers, their offerings comprise Sapiens CoreSuite, Sapiens UnderwritingPro, Sapiens ApplicationPro, Sapiens IllustrationPro, and Sapiens ConsolidationMaster. Beyond core insurance, Sapiens provides the Sapiens DigitalSuite, a comprehensive platform that facilitates interaction among customers, agents, brokers, risk managers, and third-party service providers. Its specialized reinsurance products include Sapiens ReinsuranceMaster and Sapiens ReinsurancePro. For workers' compensation, the company delivers solutions such as Sapiens Platform, Sapiens CoreSuite, Sapiens PolicyPro, Sapiens ClaimsPro, as well as Sapiens PolicyGo and Sapiens ClaimsGo. Furthermore, Sapiens addresses financial management and regulatory compliance needs through products like Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro, and various Sapiens Reporting Tools. A notable offering is Sapiens Decision, an enterprise-level platform empowering organizations to centralize the creation, storage, and governance of their complex business logic. The company also crafts customized solutions built on its Sapiens eMerge platform and delivers a suite of professional services, including program management, business consulting, and managed support. Sapiens distributes its comprehensive portfolio of products and services via both its direct sales teams and a network of strategic partners. Founded in 1982, the company's corporate headquarters are situated in Holon, Israel.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold SPNS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.38% | -1.42% | $138 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.17% | -1.63% | $117 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.10% | -1.70% | $110 / yr |
| 🇬🇧 UK ISA | 0% | 1.38% | -1.42% | $138 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.26% | -1.54% | $126 / yr |
| 🇨🇦 TFSA | 0% | 1.38% | -1.42% | $138 / yr |
| 🇨🇦 CA Taxable | 25% | 1.03% | -1.76% | $104 / yr |
| 🇦🇺 Super (pension) | 15% | 1.17% | -1.63% | $117 / yr |
| 🇦🇺 AU Taxable | 30% | 0.97% | -1.83% | $97 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.02% | -1.78% | $102 / yr |
| 🇫🇷 FR Taxable | 30% | 0.97% | -1.83% | $97 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.60/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
SPNS pays quarterly — 4 times per year. Next ex-div: TBD.
How SPNS compares to typical Technology averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for SPNS sourced from FMP /financial-growth endpoint — real data, not estimates.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Revenue breakdown from latest annual report via FMP. Percentages may not sum to 100% due to rounding.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the SPNS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
Sapiens International Corporation N.V. (SPNS) is currently trading at $43.45, trading near its 52-week high. The current dividend yield is 1.38% based on an annual payout of $0.60 per share.
Sapiens International Corporation N.V. (SPNS) is a technology stock currently trading at $43.45 with a dividend yield of 1.38%. The company pays an annual dividend of $0.60 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, SPNS has grown its dividend at a compound annual rate of 100.0%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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