Sapiens International Corporation N.V. (NASDAQ: SPNS) and AppFolio (NASDAQ:APPF) are both small-cap computer and technology companies, but which is the superior business? We will compare the two companies based on the strength of their valuation, analyst recommendations, risk, dividends, earnings, institutional ownership and profitability.
This is a breakdown of current recommendations for Sapiens International Corporation N.V. and AppFolio, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Sapiens International Corporation N.V.||0||0||5||0||3.00|
Sapiens International Corporation N.V. currently has a consensus price target of $15.00, indicating a potential upside of 11.19%. AppFolio has a consensus price target of $36.50, indicating a potential downside of 27.44%. Given Sapiens International Corporation N.V.’s stronger consensus rating and higher probable upside, analysts clearly believe Sapiens International Corporation N.V. is more favorable than AppFolio.
Risk and Volatility
Sapiens International Corporation N.V. has a beta of 1.23, indicating that its stock price is 23% more volatile than the S&P 500. Comparatively, AppFolio has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500.
Insider and Institutional Ownership
11.7% of Sapiens International Corporation N.V. shares are owned by institutional investors. Comparatively, 20.9% of AppFolio shares are owned by institutional investors. 16.0% of Sapiens International Corporation N.V. shares are owned by company insiders. Comparatively, 44.8% of AppFolio shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
This table compares Sapiens International Corporation N.V. and AppFolio’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Sapiens International Corporation N.V.||1.39%||6.77%||4.41%|
Earnings & Valuation
This table compares Sapiens International Corporation N.V. and AppFolio’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||EBITDA||Earnings Per Share||Price/Earnings Ratio|
|Sapiens International Corporation N.V.||$239.18 million||2.77||$14.79 million||$0.07||192.74|
|AppFolio||$124.18 million||13.74||$4.64 million||$0.03||1,677.23|
Sapiens International Corporation N.V. has higher revenue and earnings than AppFolio. Sapiens International Corporation N.V. is trading at a lower price-to-earnings ratio than AppFolio, indicating that it is currently the more affordable of the two stocks.
Sapiens International Corporation N.V. beats AppFolio on 10 of the 14 factors compared between the two stocks.
About Sapiens International Corporation N.V.
Sapiens International Corporation N.V. (Sapiens) is a provider of software solutions for the insurance industry, with a focus on the financial services sector. The Company operates in provider of software solutions segment. Its software solutions portfolio consists of Life, Pension, Annuity and Retirement Solutions, including software solutions for the management of a range of products for life, pension, annuity and retirement; Property and Casualty/General Insurance Solutions, including a software suite of solutions, supporting a range of business lines, including personal, commercial and specialty lines, as well as a solution for the management of reinsurance contracts; Sapiens DECISION, which is a business decision management solution, and Technology-Based Solutions, such as Sapiens eMerge. Its services include project delivery and implementation, business and technical consulting related to its products, project and program management, training and user acceptance testing.
AppFolio, Inc. is a provider of industry-specific, cloud-based software solutions for small and medium-sized businesses (SMBs) in the property management and legal industries. The Company’s mobile-optimized software solutions enable its customers to work at any time and from anywhere across multiple devices. Its property management software provides small and medium-sized property managers with an end-to-end solution to their business needs. The Company’s legal software provides solo practitioners and small law firms with a streamlined practice and case management solution, allowing them to manage their practices and case load. It also offers Value+ services, such as its professionally designed Websites and electronic payment services. The Company’s property manager customers include third-party managers and owner-operators, managing single- and multi-family residences, commercial property and student housing, as well as mixed real estate portfolios.
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