Reviewing Sapiens International Corporation N.V. (SPNS) and AppFolio (APPF)

Sapiens International Corporation N.V. (NASDAQ: SPNS) and AppFolio (NASDAQ:APPF) are both small-cap computer and technology companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, dividends, profitability, analyst recommendations, valuation, risk and institutional ownership.

Institutional & Insider Ownership

11.7% of Sapiens International Corporation N.V. shares are held by institutional investors. Comparatively, 20.9% of AppFolio shares are held by institutional investors. 16.0% of Sapiens International Corporation N.V. shares are held by insiders. Comparatively, 44.8% of AppFolio shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

Sapiens International Corporation N.V. has a beta of 1.23, suggesting that its stock price is 23% more volatile than the S&P 500. Comparatively, AppFolio has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Sapiens International Corporation N.V. and AppFolio, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Sapiens International Corporation N.V. 0 0 5 0 3.00
AppFolio 0 3 2 0 2.40

Sapiens International Corporation N.V. currently has a consensus price target of $15.00, indicating a potential upside of 9.57%. AppFolio has a consensus price target of $36.50, indicating a potential downside of 28.15%. Given Sapiens International Corporation N.V.’s stronger consensus rating and higher possible upside, analysts clearly believe Sapiens International Corporation N.V. is more favorable than AppFolio.

Profitability

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%
AppFolio 0.84% 1.46% 1.12%

Valuation & Earnings

This table compares Sapiens International Corporation N.V. and AppFolio’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Sapiens International Corporation N.V. $239.18 million 2.81 $14.79 million $0.07 195.60
AppFolio $124.18 million 13.87 $4.64 million $0.03 1,693.90

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.

Summary

Sapiens International Corporation N.V. beats AppFolio on 10 of the 14 factors compared between the two stocks.

Sapiens International Corporation N.V. Company Profile

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 Company Profile

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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