Sapiens Internationa...
NasdaqGM:SPNS
$
43,45
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$0,00 (0,00%)
43,45
$
$0,00 (0,00%)
End-of-day quote: 12/18/2025
Sapiens International Corporation N.V. Stock Value
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Sapiens International Corporation N.V. Company Info
EPS Growth 5Y
13,96%
Market Cap
$2,43 B
Long-Term Debt
$0,02 B
Quarterly earnings
05/08/2026 (E)
Dividend
$0,00
Dividend Yield
0,00%
Founded
1982
Industry
Country
ISIN Number
Website
Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.
There are currently no price targets available for this stock.
In the last five quarters, Sapiens International Corporation N.V.’s Price Target has risen from $31,80 to $31,80 - a 0,00% increase. One analysts predict that Sapiens International Corporation N.V.’s share price will fall in the coming year, reaching $0,00. This would represent a decrease of -100,00%.
Top growth stocks in the information technology sector (5Y.)
What does Sapiens International Corporation N.V. do?
Sapiens International Corporation N.V. (Sapiens) operates as a global provider of software solutions for the insurance industry.
The company’s extensive expertise is reflected in its innovative software, solutions and professional services for property & casualty (P&C); reinsurance; life, pension & annuity (L&A); workers’ compensation (WC); medical professional liability (MPL); financial & compliance (F&C); and decision modelling for both insurance and financial markets. The company offers a fu...
Sapiens International Corporation N.V. (Sapiens) operates as a global provider of software solutions for the insurance industry.
The company’s extensive expertise is reflected in its innovative software, solutions and professional services for property & casualty (P&C); reinsurance; life, pension & annuity (L&A); workers’ compensation (WC); medical professional liability (MPL); financial & compliance (F&C); and decision modelling for both insurance and financial markets. The company offers a future-proof, AI-based, open, modular and integrated insurance platform, which accelerates adoption, delivers sustained value and empowers insurers to stay ahead. Sapiens Insurance Platform allows insurers to grow with a comprehensive but modular offering, supporting end-to-end insurance processes across all lines of business.
Sapiens Insurance Platform, which is its flagship offering across all aspects of the insurance market, is built on key technological themes that serve as the foundational pillars for developing all the company’s business solutions, and providing end-to-end coverage of insurance carriers needs, through:
Core policy administration layer – providing full E2E support for administering insurance products, policies, billing and claims.
Data layer – including a wide offering to manage various aspects of data, from data warehouse and data lake, though reporting and dashboards, to ML predictive models and GenAI capabilities and use cases.
Digital layer – providing comprehensive digital engagement layer with persona-based portals, no-code tools for building digital journeys, and 360 customer view.
Infrastructure layer – including common architecture and technical capabilities, such as SaaS and Cloud management, DevOps, role-based security and more.
Sapiens also sells software products to non-insurance customers, which accounts for less than 5% of its revenue.
Target Markets
The company operates in a large market undergoing significant transformation.
Strategy
The company’s growth strategy is solidly based on both existing and new customers, and will include mergers and acquisitions, when applicable, to accelerate its growth. The key elements of the company’s strategy are to continue to innovate and extend the leadership of its product offerings through the Sapiens Insurance Platform proposition; AI at the core of its intelligent insurance platform; continue in the ongoing investment in Cloud transformation and SaaS strategy; leverage its global footprint to offer its complete platform/solutions; mergers and acquisitions (M&As); capture adjacencies and new opportunities; invest in sales and marketing; focus on its existing customer base; focus on its strategic partnership with Microsoft; and increase its partnership with System Integrators (SIs).
Offerings
Sapiens’ offerings not only enable the company’s customers to effectively manage their core business functions – including policy administration, claims and billing – they support insurers on their path to digital transformation. The company’s offering also provides a variety of complimentary solutions for critical requirements, such as reinsurance management, underwriting management, illustration software, electronic applications and financial compliance tools. The latest versions of the company’s platforms possess modern, modular cloud-first architecture and are digital-driven, providing full coverage for all business aspects of policy management, digital engagement and data analysis. They empower customers to respond to the rapidly changing insurance market and frequent regulatory changes, while improving the efficiency of their core operations.
Sapiens provides a comprehensive digital and analytics suite, which is pre-integrated in the company’s core solutions, across P&C, L&A and WC business, but also available stand-alone to insurers whether they utilize its core solutions or not. The company’s DigitalSuite provides a strong customer engagement and experience capabilities through a wide range of connectivity tools, such as portals, chatbots, live-chats and low-code/no-code digital business processes builders, are allowing insurance companies to rapidly go to market with new propositions, and to manage a data-driven operation.
All those capabilities, across both business and core processing and across data and analytics, digital engagement, AI & ML use cases and cloud management, are together forming the unified holistic Sapiens Insurance Platform, which the company continues to develop, and which brings a fully integrated yet loosely coupled, SaaS-based insurance platform, managing the full lifecycle of any insurance business.
The company offers its insurance customers a range of packaged software solutions that are:
Digital-led: Revealing their history and anticipating their future needs, while facilitating easy engagement across preferred interaction channels and multiple devices.
SaaS and Cloud-based: The company’s solutions are running and deployed in public clouds of the leading global cloud vendors, providing its customers with the inherent benefits of a modern SaaS application.
Data-driven with increasing emphasis on Decision management, ML, AI and GenAI: Based on set of data analysis tools, from data-warehouse and reporting, through business intelligence and analytics, to predictive and advanced analytics based on machine learning (ML) – so the company’s customers can become a data-driven operation. The company is leveraging the strong Microsoft partnership to achieve progress around the new Generative AI capabilities.
Highly Automated: By using various technologies, from decision to robotics, the company improves efficiency and offer agile customer engagement.
Comprehensive and Proven: Support for insurance standards, regulations and processes, by providing field-proven functionality and best practices.
Configurable and rich functionality easily matches the company’s customers’ specific business requirements. The company’s flexible architecture and configurable structure allow quick functionality augmentation that permits its platform to be used across different markets, unique business requirements and regulatory regimes. The company utilizes its knowledge and extensive insurance best practices and feature business-led configuration, thus enabling a rapid adaptation of its solutions using smart configuration tools and no-code/low-code approach.
Open architecture and insurtech ecosystem: Provides easy integration to any external application under any technology, allowing streamlined connectivity to all satellite applications. This enhances the digital experience and omni-channel distribution, while maintaining total platform independence and system reliability. Easy interaction with various insurtech companies providing point-solutions that can be consumed by the company’s platforms is enabled.
Component-Based and Scalable: Allows the company’s customers to deploy platforms and solutions in a phased and modular approach, reducing risk and harm to the business, while supporting the growth plans of the organization.
The company’s solutions enable:
Rapid Deployment of New Insurance Products: via configurable software and using pre-defined templates, which create a competitive advantage in all the insurance markets it serves.
Improvement of Operational Efficiencies and Reduction of Risk: Full insurance process automation, with configurable workflows, audit and control, streamlined insurance practices, and simple integration and maintenance.
Reduction of Overhead for IT maintenance: Easy-to-integrate and simple-to-configure solutions with flexible and modern architecture, resulting in lower costs for ongoing maintenance, modifications, additions and integration.
Enhanced Omni-Channel Distribution, Communication and Focus on The Customers: event-driven architecture, a proactive client management approach, rapid access to all levels of data, and a holistic view of clients and distributors.
Cloud-first and SaaS as a preferred deployment model: with the flexibility to also provide an on-premise deployment.
Support for digitalization: insurers and financial services institutions who manage to efficiently digitalize their operations, support omni-channel distribution and ensure that agents and customers are able to access real-time, accurate data at any time and from anywhere – including tablets and mobile devices – will unlock massive potential.
Cloud services: offering the company’s customers access to a long-term engagement by providing comprehensive support for their daily IT operations by providing a cloud deployment model, while allowing them to focus on their business KPIs.
The company’s software portfolio consists of:
Property and Casualty: a comprehensive software platform and solutions supporting a broad range of business lines, including personal, commercial, and specialty lines, as well as reinsurance , medical professional liability (MPL) workers’ compensation. The company’s core solutions are pre-integrated with its DigitalSuite, analytics and decision modeling solutions, all of which are also available stand alone.
The company’s portfolio includes Sapiens Cloud-first Platform for Property & Casualty, which consists of a commonly shared Data and Digital solutions and two core suites: Sapiens CoreSuite for Property & Casualty (for North America) and Sapiens IDITSuite for Property & Casualty (for EMEA and APAC). The company provides a flexible proposition where Insurers can choose between deploying its full core suite or one or more of its standalone components: policy, billing and claims.
Life, Pension and Annuities: a comprehensive, cloud-based, digital software platform, suite and complementary solutions for the management of a diversified range of products for life, pension & annuities. The company’s core solutions are pre-integrated with its DigitalSuite, analytics and decision modeling solutions, all of which are also available stand alone. The company’s portfolio includes Sapiens Platform for Life, Pension & Annuities, Sapiens CoreSuite for Life, Pension & Annuities; Sapiens UnderwritingPro for Life & Annuities; Sapiens ApplicationPro for Life & Annuities; Sapiens IllustrationPro for Life & Annuities; and Sapiens ConsolidationMaster for Life & Pension.
Digital: Sapiens Cloud-native DigitalSuite enables insurers to incorporate a fully digital experience for customers, agents and employers, enhancing insurers’ engagement with customers, enhancing their end-consumers’ experience and fostering a rapid time to market for new digital initiatives. Sapiens Digital Suite is pre-integrated as part of the company’s comprehensive platforms or can be deployed stand-alone on top of any 3rd party core solution already in place. Comprises innovative digital modules and content libraries to facilitate diverse customer journeys, DigitalSuite includes: low-code/no code Journey Composer, insurance-driven API Layer, and portal solutions for customers, agents and employers. The company has also added an AI driven chat-bot solution (BotConnect) which knows to hand off to a live agent (LiveConnect) to facilitate omnichannel communications.
Data and Analytics: together with the company’s digital offering, Sapiens offers an advanced data and analytics platform, which includes: an analytics platform that drives analytics adoption across the organization with compelling, insightful dashboards and apps; a comprehensive BI solution with pre-configured reports, dashboards and scorecards; predictive analytics, which uses AI and Machine Learning to generate actionable insights based on different models across the insurance value chain.
Reinsurance: a market-leading complete reinsurance software solutions for full financial control and auditing support. The company’s portfolio includes Sapiens ReinsuranceMaster and Sapiens ReinsurancePro, providing solutions to various sizes of insurance companies.
Workers’ Compensation: Sapiens workers’ compensation offerings handle comprehensive policy/billing and claims needs. The company’s solution portfolio Sapiens CoreSuite for Workers’ Compensation and Sapiens GO for Workers’ Compensation, that can be deployed as a full suite or in a modular manner (policy / billing / claims) and is preintegrated with its DigitalSuite and its Analytics solutions.
Medical Professional Liability (MPL): Sapiens MPL offering provides a complete end-to-end solution for managing the insurance processes for the medical malpractice market, including policy management, billing and claims, all adjusted to the unique characteristics of this specific market. The Sapiens Digital and Data platforms are also pre-integrated to the MPL core solution and thus providing additional value add and benefits to Sapiens MPL customer base.
Financial & Compliance: The company offers financial & compliance solutions comprises both annual statement and insurance accounting software. This software includes Sapiens FinancialPro, Sapiens Financial GO, Sapiens StatementPro, Sapiens CheckPro and Sapiens Reporting Tools.
Decision Management: Sapiens Decision is an enterprise-scale platform that enables institutions and citizen developers across verticals to centrally author, store and manage all organizational business logic. Organizations use it to track, verify and ensure that every decision is based on the most up-to-date rules and policies. The company’s Decision management products are offered across verticals (including commercial banking, investment banking, mortgage banking, insurance – for both P&C and life, government, etc.).
Technology-Based: tailor-made solutions (unrelated to the insurance or financial services market) based on the company’s Sapiens eMerge platform, which provides end-to-end, modular business solutions, ensuring rapid time to market.
Sapiens Property & Casualty Solutions
Sapiens Platform for Property & Casualty
As mentioned, the Sapiens Insurance Platform for Property & Casualty is a future-proof, AI-based, open, modular and integrated insurance platform, which accelerates adoption, delivers sustained value and empowers insurers to stay ahead. Sapiens Insurance Platform allows insurers to grow with a comprehensive but modular offering supporting end-to-end insurance processes across all lines of business.
Using AI-powered automation, Sapiens’ platform enables smart, data-driven business decisions and increased operational efficiency. The platform is purpose-built to help insurers evolve in the fast-paced world of digital insurance technology. The platform also includes innovative GenAI capabilities for supporting the users in operating on complex and lengthy documents and data pieces.
Sapiens Insurance Platform can be implemented as a pre-integrated platform, or in standalone modules. The platform addresses all P&C carrier needs across all lines of business and distribution channels, offering a wealth of digital features. It comprises core (policy, billing and claims), data (advanced analytics) and digital (a full suite) solutions.
The cloud-based Sapiens DigitalSuite offers an end-to-end, holistic and seamless digital experience for P&C customers, agents, brokers, customer groups and third-party service providers. The suite is pre-integrated with Sapiens’ P&C core and comprises digital engagement and digital enablement components.
Sapiens Suites for Property and Casualty are tailored by region: N. America versus EMEA & Rest of World.
For North America
Sapiens CoreSuite for Property & Casualty
Sapiens CoreSuite for Property & Casualty consists of three fully integrated, core components that can also be deployed stand-alone: Sapiens PolicyPro, Sapiens BillingPro and Sapiens ClaimsPro. CoreSuite is pre-integrated with additional components that can be selected, including business intelligence, reinsurance and digital solutions, as well as various interfaces. This modular, automated, highly customizable suite offers a single platform for personal, commercial and specialty lines of business (LoBs). This increases organizational efficiency by reducing manual effort, generates competitive advantages and saves costs.
Sapiens PolicyPro
The Sapiens’ PolicyPro solutions for property & casualty come pre-integrated with the core system. They are easily integrated with existing and external systems and applications. The solutions manage the end-to-end policy administration lifecycle of an insurance contract, from initial quote, through rating and policy issuance. They also feature a complete range of policy issuance and amendment capabilities. Agents, underwriters and customers use the solutions to quote, issue and administer policies. The offerings provide comprehensive policy lifecycle support for all P&C lines of business.
Sapiens BillingPro
The Sapiens’ billing solution for P&C enables carriers, MGAs and brokers to manage the full lifecycle of premium services, taxes and fees, along with commission billing, collection and disbursements. P&C carriers can integrate with third-party systems and data repositories, enjoy best-in-class usability and automate processes throughout the billing lifecycle.
Sapiens ClaimsPro
Sapiens’ claims solutions for property & casualty provide simplified management and automated control of claims management handling and the settlement process. They offer intelligent, rules-driven workflow with effective claim assignment, ensuring faster cycle times, as well as rules-driven automatic claims payment.
EMEA and Rest of World
Sapiens IDITSuite for Non-life/General/Short Term Insurance
The Sapiens IDITSuite for Property & Casualty is a cloud-based, component-based, standalone software solution suite that offers policy, billing and claims and forms the core of the Sapiens Platform for Property & Casualty. IDITSuite supports all end-to-end core operations and processes for the non-life P&C market from inception to renewal and claims. This pre-integrated, fully digital suite offers customer and agent portals, business intelligence and more. IDITSuite enables insurers to expand their offerings by testing new lines of business, products and services using the company’s flexible product factory.
The suite is modular and can integrate with your ecosystem’s components. Sapiens IDITSuite for Property & Casualty includes multiple lines of business in one policy for multiple insured objects and assets. It can support corporate agreements and master policy structures. IDITSuite is designed with growth and change in mind, with extensive multi-company, multi-branding, multi-country, multi-currency and multi-lingual capabilities. The IDITSuite management system is built on open technology and can be used across devices.
IDITSuite, and also in combination with Sapiens Digital and Data solutions, includes also advanced AI, ML and GenAI capabilities, bringing strong efficiency, speed op operation, ease of use and productivity to a set of users – both on the digital front and on the back office users level.
Also available in different parts of the world:
Diana Solution for Property & Casualty (Spain)
The Diana solution for Property & Casualty tailored for the Iberian market, empowers insurance companies with a product engine, as well as policy, billing, claims and reinsurance capabilities. A fourth-generation solution, Diana supports all core operations and processes for the P&C market, and supports bank assurance, brokers and direct insurance. The suite is modular, flexible and customizable through module workshops. Diana ecosystem is being enhanced through new features in micro services technology, like group policy management and injury agreements.
Fully digital SCIP Core (DACH)
SCIP CORE is a flexible, high-performance, cloud-capable and easily extensible inventory management platform. It offers all essential processes for efficient contract and claims processing and can be flexibly configured and extended in a few weeks. SCIP CORE digitally enables end customers, agents, claim handlers by using extensive self-services in different interfaces and portals.
Tia Enterprise (Nordics)
Tia Enterprise is a component-based, software solution suite that offers policy, billing and claims. Tia Enterprise can be hosted on-prem or in the cloud and can be extended through an API layer to incorporate ecosystem solutions as well as a digital communications and enablement layer and advanced analytics/BI. Tia Enterprise supports all end-to-end core operations and processes for the non-life market from inception to renewal and claims.
OASIS for MPL
OASIS is a fully integrated collection of components designed to embed core functionalities required in the MPL sector, including underwriting, policy management, claims management, financial management, BI and predictive analytics. The component-based platform delivers maximum out of the box functionality and stationing which ensures OASIS can easily integrate within a legacy environment.
Sapiens Life, Pension & Annuities Solutions
Sapiens Insurance Platform for Life, Pension & Annuities
The Sapiens Platform for Life, Pension & Annuities is A future-proof, AI-based, open, modular and integrated insurance platform, which accelerates adoption, delivers sustained value and empowers insurers to stay ahead. Sapiens Insurance Platform allows insurers to grow with a comprehensive but modular offering supporting end-to-end insurance processes across all lines of business.
Using AI-powered automation, Sapiens’ platform enables smart, data-driven business decisions and increased operational efficiency.
The platform is purpose-built to help insurers evolve in the fast-paced world of digital insurance technology, and includes Sapiens CoreSuite for Life, Pension & Annuities, a comprehensive, configurable, and unified underwriting, policy, billing, and claims software to accelerate insurance transformation across all life & annuities business lines; Sapiens DigitalSuite, a comprehensive, cloud-native, future-proof digital engagement suite specifically designed to enable, sustain, and grow insurance businesses, Sapiens DataSuite a data and analytics solution; In North America the platform also includes Sapiens IllustrationPro, Sapiens ApplicationPro, and Sapiens UnderwritingPro. With the ability to deploy its offerings as a complete platform, or as standalone modules, Sapiens can address life providers’ needs across all their lines of business and distribution channels. The company’s mature platform is cloud and API-based, and features a strong core, and advanced analytics, as well as data enablement and full digital engagement capabilities.
The platform also includes advanced AI, ML and GenAI capabilities, as well as using Decision management for streamlining straight-though-process activities, bringing strong efficiency, speed of operation, ease of use and productivity to a set of users – both on the digital front and on the back-office users level.
Sapiens CoreSuite for Life, Pension & Annuities
Sapiens CoreSuite for Life, Pension & Annuities is designed to provide excellence in the administration of insurance business, facilitate digital transformation and fast time-to-value for digital strategies, and create greater efficiency via legacy consolidation. It offers insurers:
A single platform for individual and group business, and across protection, risk, savings and investment business.
Transformation, enablement and execution for digital strategies supported by Cloud deployment.
Greater efficiency via improved automation, user experience and system consolidation.
Sapiens CoreSuite for Life, Pension & Annuities suite supports the end-to-end administration of group and individual life, annuities, pension and investment business in a single system. The suite offers a 360-degree view of the customer from their policy administration system, across all distribution channels and communication streams.
Many insurers still use systems developed decades ago that cannot support today’s regulatory changes, digital marketplace and demanding customers. Too many manual processes can lead to errors that impact customer experience. The company’s unique conversion approach reduces the risks involved in migrating from existing legacy systems.
Complimentary modules are available in N. America:
Sapiens UnderwritingPro for Life & Annuities
Sapiens UnderwritingPro for Life, Pension & Annuities is a web-based solution for automated underwriting and new business case management that is part of Sapiens’ solution set for life insurers. It speeds new business processes for insurance carriers and their channels, offering an intuitive user interface with critical updates and task assignments provided on a real-time dashboard. Sapiens UnderwritingPro enables underwriters and case managers to work on multiple cases simultaneously.
Sapiens ApplicationPro for Life & Annuities
Sapiens ApplicationPro for Life & Annuities is a digital insurance application software that helps carriers address critical business drivers, such as decreasing time-to-issue and reducing policy acquisition costs, all in an extremely intuitive and easy-to-use package. Carriers have a choice of a standalone eApplication system, or a more comprehensive solution that seamlessly integrates with Sapiens IllustrationPro for Life & Annuities and Sapiens UnderwritingPro for Life & Annuities. Sapiens ApplicationPro.
Sapiens IllustrationPro for Life & Annuities
Sapiens IllustrationPro for Life & Annuities is a point-of-sale solution, offering responsive product illustrations from any device. ACORD-compliant, it offers straight-through processing, from point-of-sale to application e-submission, supported by a needs analysis suite. IllustrationPro explains complex products in a compelling way. Its powerful calculation engines handle the most complex product illustrations, including the appropriate historical and hypothetical references.
Sapiens ConsolidationMaster for Life & Pension
Sapiens ConsolidationMaster is a purpose-built, end-to-end, legacy, portfolio-focused system with a unique migration methodology that deals with ‘dirty’ data. The solution has a very large variety of products templates capable of supporting the compliant administration of legacy products in any language and regulatory jurisdiction. ConsolidationMaster is designed to significantly cut the costs that are commonly associated with legacy platforms.
Sapiens DigitalSuite Solutions
Sapiens DigitalSuite offers an end-to-end, holistic and seamless digital experience for customers, agents, brokers, risk managers, customer groups and third-party service providers. The suite is pre-integrated with Sapiens’ core solutions. The DigitalSuite is also available stand-alone, and can be easily integrated with 3rd party core and ecosystem solutions through an advanced API layer. This facilitates digital transformation and fast time-to-value for digital strategies. It enables life carriers to become engaged, agile organizations with increased sales opportunities.
Sapiens DigitalSuite was designed to enable the company’s carrier customers to deliver on the future of user and customer expectations. DigitalSuite is an offering that can react to market changes, support flexible interaction with dynamic APIs and offer a modern user experience. The company’s DigitalSuite features component-based architecture, built on modern technologies and customer-centric design.
The company’s DigitalSuite consists of innovative digital modules, which can be used together or stand-alone, and content libraries to facilitate diverse customer journeys, omnichannel communications and include rich portal content: Sapiens AgentConnect, EmployerConnect and CustomerConnect.
As an integral part of the solution, Sapiens provides strong ML and AI capabilities, especially around the agent/broker portals, to substantially enhance the way agents are executing their roles.
All digital offerings are entirely supported in the cloud.
Sapiens Digital API Layer and Conductor
This highly scalable layer facilitates an open-communication, API-based platform that enables carriers to interact with insurtech companies, ecosystem technology providers and business partners. By enabling seamless interaction with any service under any technology, Sapiens’ open architecture ensures that providers will easily choose the building blocks they need. They’ll be able to easily define new APIs on the fly and seamlessly integrate all elements within their insurance ecosystem, to succeed today and prepare for the future.
Sapiens Customer Journey and Form Builder
Features journey and form builders, journey analytics and deployment management capabilities – enables business users to easily create and maintain digital journeys, using a low-code/no-code approach. This component empowers insurers with agility and fast time to market, based on its one click to deploy functionality. Also available are full versioning capabilities and an extendable UI components library.
Sapiens AgentConnect and CustomerConnect
Are dynamic portals built to deliver the optimal experiences expected by customers, brokers, agents, employers, alike, providing a high level of personalization to meet the diversified, individual needs of customers.
Sapiens BotConnect and LiveConnect
Sapiens brings conversational messaging to the next level, making it highly efficient in engaging customers. Sapiens BotConnect (AI-based chatbot) and LiveConnect (Omni-channel live chat) are designed to cultivate and enhance conversational messaging by ensuring perfect handoffs between different channels and personas, which translates into one unified customer-centric and smooth experience for both customers and the reps that cater to their needs. Together, this duo of components greatly improves the operational efficiency, providing a better service level to end-customers, based on their channel of choice.
Sapiens PartnerHub and Partner Ecosystem
Sapiens is a global organization with over three decades of extensive experience in insurance innovation and technology. The company seeks out and identifies the most relevant, advanced and innovative technology solutions for the insurance market. The company connects third-party technology and insurtech solutions to its Sapiens PartnerHub, from where it makes their offerings available to insurers for their own use, and for the use of their customers.
DataSuite
Sapiens offers its analytics solutions across both Life and P&C businesses, which include insightful dashboards, reporting, and apps, and predictive analytics that utilize AI and machine learning, generating actionable insights based on different models across the insurance value chain. By integrating with its advanced analytics solution and data warehouse, the company can quickly generate actionable insights, self-service business intelligence, and data discovery capabilities.
Sapiens Reinsurance Solutions
Sapiens reinsurance solutions are comprehensive business and accounting systems, providing a superior management for all types of reinsurance contracts – treaty and facultative, and proportional and non-proportional. It enables insurers of all sizes to manage their entire range of reinsurance contracts and activities for all lines of business, including rich accounting functionality and reporting capabilities.
The company’s reinsurance solution enables full and flexible control of reinsurance processes, with built-in automation of contracts, calculations and processes. By incorporating fully automated functions adapted conveniently for business procedures, Sapiens Reinsurance provides flexible and total financial control of reinsurance processes, including complete support for all auditing requirements and statutory compliance.
The solutions are available in three flavors:
ReinsuranceMaster (in EMEA, APAC and for global insurers), ReinsurancePro (in N. America) which also produces schedule F automatically, and Reinsurance GO (N. America) which is designed to meet the ceded reinsurance processing needs of property & casualty providers, from calculating premium and claim cessions, to producing the data required for Schedule F.
Sapiens Workers’ Compensation Offerings
Sapiens Platform for Workers’ Compensation
Sapiens Platform for Workers’ Compensation includes the Sapiens CoreSuite for Workers’ Compensation, and comes pre-integrated with Sapiens DigitalSuite, including: Sapiens EmployerConnect a digital portal for employers and Sapiens Analytics and Data platform.
Sapiens CoreSuite for Workers’ Compensation
Sapiens CoreSuite for Workers’ Compensation offers larger carriers, administrators and state funds the technology solutions that enable them to adapt quickly to business and market conditions, offering high levels of accuracy and efficiency. The suite provides broad functionality throughout the entire insurance lifecycle for workers’ compensation, via a core suite, as well as policy, claims and intelligence modules that can be deployed individually, or as an integrated solution. This suite can be purchased as an integrated offering, or standalone components: Sapiens PolicyPro and Sapiens ClaimsPro.
Sapiens GO for Workers’ Compensation
Sapiens GO for Workers’ Compensation was developed specifically for carriers, managing general agents (MGAs), self-insurance funds and third-party administrators. Sapiens GO can deliver a turnkey solution in just 120 days. With its streamlined user interface and advanced business features, the suite addresses critical objectives. This suite can be purchased as an integrated offering, or standalone components: Sapiens PolicyGO and Sapiens ClaimsGO for Workers’ Compensation.
Sapiens Financial & Compliance Solutions
The company’s set of financial & compliance solutions comprises both annual statement and insurance accounting software includes:
Sapiens FinancialPro – accounting software designed for insurers to meet their unique requirements for cash, statutory and GAAP reporting, well as unique allocation and consolidation needs. It handles multi-basis accounting and inter-company transactions and facilitates the speed and accuracy of financial reporting.
Sapiens Financial GO – offers small- and mid-sized insurers a solution for cash, statutory and GAAP reporting, as well as unique allocation and consolidation needs. Sapiens Financial GO manages and presents data to help insurance managers make informed decisions.
Sapiens StatementPro – makes statement preparation faster and simpler by offering one-click navigation between statements, pages and form validations (cross-checks) to the pages they reference and offering one-step filing.
Additionally, Sapiens offers Sapiens CheckPro and Sapiens reporting tools.
Sapiens Business Decision Management Solutions
Sapiens Decision is a complete decision management platform that places software development in the hands of the business domain, creating citizen developers, and enforces business logic across all enterprise applications. Decision effectively addresses the complexity of determining and then translating business logic – data, business rules and machine learning used to make business decisions – into operational code. The business side of the organization can model, validate, test and simulate the business logic required for all new processes using Sapiens Decision. The process takes days or weeks, instead of months or years. A rigorous, structured approach ensures accuracy, efficiency and consistency during modeling. The models may then be automatically generated and deployed as code into automated DevOps environments, ensuring that the software is fully aligned with the organization’s business needs.
The company has added strong AI and GenAI capabilities to the system, allowing for automated configuration of business rules via GenAI, ability to seamlessly embed ML cases into the decision logic, and it continues to invest in those features.
The company focuses on the development and marketing of Sapiens Decision in the insurance and financial services market in North America and Western Europe, and it is building best practices where the scale and complexity of operations requires enterprise-grade technology that can easily be adapted as policies and business strategies rapidly evolve. The company developed and market Sapiens Decision for several verticals, including the insurance industry, and leverage its industry knowledge and close relationships with its existing customers and partners. Decision targets multiple markets:
Sapiens Decision for Financial Institutions (including Consumer & Commercial Banking, Investment Banking, & Mortgage Banking)
Tailored to meet the needs of Consumer & Commercial Banking, Investment Banking and Mortgage Banking institutions addresses the cost of change. It enables banks to efficiently adapt their operations to the demands of digital transformation, changing regulations, customer demands and increasing competition, using model-driven development (MDD). The MDD approach, enables businesspeople to define business logic in easily understood models. The process takes days or weeks, instead of months or years. It enforces business logic across all enterprise applications.
Sapiens Decision for Insurance
Sapiens Decision for Insurance enables insurers to efficiently adapt their business operations to the demands of digital transformation, changing regulations, customer demands and increasing competition. It is currently used by a top-tier, P&C insurance company to implement process automation and effect digital transformation.
Sapiens Decision for Government
Sapiens Decision for Government provides the capability to automate manual processes, alleviates gaps coming from different roles and interpretations, and creates fully validated policy artifacts in a format that other roles in the organization can understand.
Technology-Based Solutions
Sapiens eMerge
Sapiens eMerge is a rules-based, model-driven architecture that enables the creation of tailor-made, mission-critical core enterprise applications with little or no coding. The company’s technology is intended to allow customers to meet complex and unique requirements using a robust development platform. For example, the company performs proxy porting for its customers in an efficient, cost-effective manner with Sapiens eMerge.
Services
The company’s services modernize and automate processes for insurance providers and financial institutions around the globe, helping to create greater organizational efficiencies, reduce costs and provide a better end user experience. They can be divided into three main categories: program delivery, value added services and cloud services.
Sapiens has partnered with both Microsoft Azure and AWS to offer its solutions over private and public (single tenant) clouds. Sapiens’ cloud deployment includes full infrastructure for operations, plus the option of choosing cloud-related cloud services delivered by Sapiens’ experienced professional services team.
Sapiens delivery methodologies are typically based on Agile approach or a hybrid agile-waterfall approach that fits best some segments of the company’s market. The company also provides delivery tools and delivery performance indicators. Built on a solid foundation of insurance domain expertise, proven technology and a history of successful deployments, the company’s organization assists clients in identifying and eliminating IT barriers to achieve business objectives.
The company’s services modernize and automate processes for insurance providers and financial institutions around the globe, helping to create greater organizational efficiencies, reduce costs and provide a better end-user experience. Built on a solid foundation of insurance domain expertise, proven technology and a heritage of successful deployments, it assists clients in identifying and eliminating IT barriers to achieve business objectives.
The company’s implementation teams assist customers in building implementation plans, integrating its software solutions with their existing systems, and deploying specific requirements unique to each customer and installation. Sapiens’ business services include API integration management and business intelligence (BI) and advanced analytics consolidation. The company’s cloud services offer ongoing production support and a 24/7 help desk.
Sapiens’ service teams possess strong technology skills and industry expertise. The level of service and business understanding they provide contributes to the long-term success of its customers. This helps the company develop strategic relationships with its customers, enhances information exchange and deepens its understanding of the needs of companies within the industry.
Through its service teams, the company provides a wide scope of services and consultancy around its solutions, both in the initial project implementation stage, as well as ongoing additional services. Many of its customers also use the company’s services and expertise to assist them with various aspects of daily maintenance, ongoing system administration and the addition of new solution enhancements.
The company sometimes partners with several system integration and consulting firms to achieve scalable, cost-effective implementations for its customers. Sapiens has developed an efficient, repeatable methodology that is closely aligned with the unique capabilities of the company’s solutions.
The services offered by the company’s (and its partners’) teams include adding new lines of business and functional coverage to existing solutions running in production; ongoing support services for managing and administering the solutions; creating new functionalities, per specific requirements of its customers; and assisting with compliance for new regulations and legal requirements.
In addition, many of its clients choose to enter into an ongoing maintenance and support contract with the company. The terms of such a contract are usually twelve months and are renewed every year. A maintenance contract entitles the customer to technology upgrades (when made generally available) and technical support. The company also offers introductory and advanced classes and training programs available at its offices and customer sites.
Some of the company’s offerings include:
Program delivery includes:
Project and program management – Overall program planning, governance, PMO services and risk management.
Training – Training needs analysis and consulting, train-the-trainer, user training, and application configuration training.
Testing – Test strategy consulting, design and planning, SIT / Functional UAT / Business UAT, migration testing, performance / scalability and load testing, security testing and testing automation.
Migration consulting- Migration strategy consulting and planning, data extract and load, data cleansing and data reconciliation.
Development, implementation and integration – Technical Solution Architecture, Analysis and Design, Development and Configuration, core system integration and project management.
Value added services consists of:
User acceptance testing (UAT) – is different than system testing. UAT is a complementary stage which focuses on business processes, user’s journeys, and acceptance criteria as outlined in the specifications.
Migration Services – full ownership of the migration of systems from one system to another.
Analytics Services – let its experts help you build predictive models which are aligned and integrated into your insurance practices.
Cloud services include:
Hosting Infrastructure Services: Virtual machines selection based on the applications architecture and performance requirement to ensure a value-for-money approach. Cloud services including, among others, network, business continuity and security.
Hosting IT Services: continuous services that obviate the need for local IT involvement to maintain the infrastructure and includes: Operation Control Center (OCC) as a service, Security Operation Center (SOC) as a Service, Backup as a service, DBA as a service, DevOps as a service, Disaster Recovery (DR) as a service.
Applications Cloud services: extends the standard maintenance agreement to provide additional services for Sapiens’ solutions based on specific customer needs, and may include any of the following: Extended maintenance and support – Customer layer/components defect handling and extended SLA, Application changes – setup / config / workflow / templates, Application operation – batches / release deployment / performance monitoring, Sapiens+ – support for non-Sapiens products (optional).
Sales and Marketing
The company’s main sales channel is direct sales, with a small portion of partner sales. Te company’s sales team is spread across its regional offices in North America, the United Kingdom, Israel, India, Poland, the Nordics, Spain, Singapore, South Africa, Canada, Latvia and Germany. The direct sales force is geared to large organizations within the insurance and financial services industry.
The company’s customer success and account management teams were focused on building ongoing relationships with existing customers during the past year, to maintain a high level of customer satisfaction and identify cross selling and up-selling opportunities within these organizations.
As part of its sales strategy, starting in 2024, the company sells a full SaaS Platform package that includes a SaaS subscription with license and upgrades, cloud services, Project implementation, product extensions and integration services, and training services.
In 2025, the company plans to host two conferences: an International Client conference in Vienna, Austria, and its Annual North America summit in Phoenix, AZ. It continues investing in its web presence and digital marketing activities to generate leads and enhance its brand recognition. Sapiens maintains a blog channel, a podcast, and a vlog, and it also invests in its working relationships and advisory services within the global industry-analyst community.
Intellectual Property
The company has registrations for the mark ‘Sapiens’ in the U.S., the U.K., Benelux, Germany, France, Italy, Switzerland, Israel, South Africa, and the European Union. In the past, the company has registered trademarks and tradenames for many of its products both in the U.S. and in the European Union, and it intends to continue to do so going forward. The initial terms of protection for its registered trademarks range from 10 to 20 years and are renewable thereafter.
Acquisitions
In the first quarter of 2024, the company acquired the remaining 7% of the outstanding shares of Sapiens Software Solutions (Decision) Ltd.
History
Sapiens International Corporation N.V. was founded in 1982.
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